A Strategic Resource for Producers
Foreign national clients with U.S. property, investments, or business interests often face complex tax and liquidity issues. U.S. life insurance can create efficient, U.S. dollar-denominated protection and estate liquidity, but carrier rules and underwriting are specialized. This hub gives you a clear path to identify cases and partner with CBIZ IIS to get them placed.
A Quick Guide to Foreign National Life Insurance
Your go-to resource for understanding foreign national life insurance.
Clients with U.S. property, investments, business interests, or U.S.-based heirs are often strong candidates. High-net-worth clients who need liquidity for taxes or estate equalization may also benefit.
Yes. Many carriers offer coverage to foreign nationals, but eligibility depends on factors such as country of residence, travel patterns, financial documentation, and the purpose of the insurance.
Carriers may ask for proof of identity, financial statements, source of funds, and confirmation of insurable interest. Additional documentation may be required depending on the client’s situation.
Some carriers require U.S. travel for medical exams or signing. Others may allow certain steps to occur outside the country. Requirements vary, and IIS can help determine what is necessary for each case.
Policies may be owned by a trust, a foreign grantor trust, or a U.S. entity. Proper ownership helps reduce exposure to U.S. estate tax and ensures the policy is structured appropriately for the client’s goals.
Coverage can create estate liquidity, help equalize inheritances between heirs in different tax systems, protect U.S. assets, and reduce the need to sell property or investments to cover obligations.
Carriers often apply additional financial, residency, and travel guidelines. CBIZ IIS helps navigate these rules, determine carrier fit, and position the case for successful underwriting.
Client Stories
Real-world planning for foreign national clients is complex and rarely one-size-fits-all. The case studies below highlight how tailored strategies, including trusts and life insurance, can solve cross-border tax, estate, and fairness challenges for globally connected families. Explore these examples to see how IIS helps advisors create practical and effective solutions for unique international client needs.
A Cross-Border Harmony Plan
A Cross-Border Harmony Plan
Learn How CBIZ IIS helped a multi-national family structure a cross-border insurance and estate plan to avoids unnecessary U.S. taxation and protect their businesses.
Love, Legacy, and Two Tax Systems
Love, Legacy, and Two Tax Systems
Learn CBIZ IIS structured an estate plan used trusts, life insurance, and tax strategies to safeguard wealth for a blended, international family.
Partner With IIS for Foreign National Cases
Working with IIS gives you direct access to specialized guidance, case design support, and carrier expertise that can help you serve foreign national clients with confidence. Our team helps you navigate complex planning needs so you can focus on delivering value and strengthening client relationships.
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