[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-301618-105":53,"doc-detail-301618-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","international-underwriting-helpful-hints-non-resident-foreign-nationals-and-us-ex-pats","International Underwriting Helpful Hints - Non-Resident Foreign Nationals and U.S. Ex-Pats","","Guidance for producers marketing and underwriting life insurance for non-resident foreign nationals and U.S. ex-pats. Outlines policy rules when proposed insured does not reside in the U.S., including limits on coverage by country, solicitation requirements that all sale activities occur in the United States, and eligibility criteria tied to U.S. connections and a minimum face amount. Specifies underwriting and premium requirements, immigration documentation, permitted inspections, and required third-party financial evidence.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/international-underwriting-helpful-hints-non-resident-foreign-nationals-and-us-ex-pats/301618/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/international-underwriting-helpful-hints-non-resident-foreign-nationals-and-us-ex-pats/301618.png","ImageObject",442,249,{"name":88,"@type":89},"Logic","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-22","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":9},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"Why must solicitation and related sale activities occur in the United States?","Question",{"text":108,"@type":109},"Transamerica requires all parts of the sale—including solicitation, application writing, medical exams, lab specimen collection, and policy delivery—to be performed in the United States while the proposed insured and/or owner is legally and physically present there.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How does Transamerica determine eligibility for non-resident foreign national coverage?",{"text":113,"@type":109},"Producers must verify coverage availability using the Foreign National Underwriting Risk Classes by Country Guide and confirm eligibility under Non-Resident Underwriting Guidelines, which typically requires at least annual, regular travel to the U.S. and other qualifying ties. A minimum face amount of $1,000,000 is required in most cases.",{"name":115,"@type":106,"acceptedAnswer":116},"What premium and payment rules apply?",{"text":117,"@type":109},"Money should not be collected with the application, and conditional receipts cannot be issued. All premiums must be paid in U.S. dollars from a U.S. account.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},301618,1790118087,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":76,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":73},1099513958762,"https://ap-avatar.wpscdn.com/avatar/1000023916a998db790?x-image-process=image/resize,m_fixed,w_180,h_180&k=1784791008015729253","| INTERNATIONAL UNDERWRITING HELPFUL HINTS\u003Cbr>NON RESIDENT FOREIGN NATIONALS AND U. S . EX-PATS\u003Cbr>As we continue to expand our sales to high net worth non-resident foreign nationals and U. S. ex-pats, we would like to remind producers of the policies in place for such sales. The purpose of this document is to outline our policies as well as some changes/updates to our underwriting procedures and our internal guidelines that apply when the Proposed Insured does not reside in the U. S.\u003Cbr>First, it is important to understand that we cannot offer coverage to risks residing in certain specified countries even though we can insure risks for travel purposes for those countries.\u003Cbr>Simply put, local laws and regulations sometimes do not allow offshore insurers to provide insurance coverage to their residents. Additionally, most countries do not allow solicitation activities to occur within their borders, which may include the completion of insurance forms or the performance of medical exams. The outline below is designed to clarify the steps producers need to follow for foreign national business.\u003Cbr>SOLICITATION RULES\u003Cbr>Transamerica requires all parts of the sale including solicitation, writing of applications, medical exams, lab specimen collection, and policy delivery to be performed in the United States. This means all solicitation, applications, medical exams and specimen collections for Transamerica must take place within the U. S. while the proposed insured and/or owner is legally and physically present in the United States.\u003Cbr>DETERMINE ELIGIBILITY\u003Cbr>• Verify that Transamerica can offer coverage in the country or countries the proposed insured resides and/or travels to using the: Foreign National Underwriting Risk Classes by Country Guide.\u003Cbr>• Confirm that the applicant is eligible for coverage under Transamerica’s Non-Resident Underwriting Guidelines. As a reminder, the most eligible prospective insureds usually will have at least tangential, if not overt, ties to the U. S. Generally, there must be at least annual travel to the U. S. on a regular basis. Other ties may include but are not necessarily limited to: U. S. physician visits; frequent, regular, legal travel to the U. S. ; liquid or non-liquid U. S. assets; immediate family residing legally in the U. S. ; employment by, or ownership in, a U. S. -domiciled company; ownership of a U. S. -domiciled trust or other legal entity (e. g. LLC) . Documentation may be required at Underwriter discretion.\u003Cbr>• Transamerica’s focus for non-resident foreign nationals and U. S. ex-pats is high net worth and/or high income individuals, who have an established qualified connection to the U. S. Consistent with this focus, a minimum face amount of $1,000,000 is required on all non-resident foreign national applications. A non-working spouse may be considered for less than the $1,000,000 minimum, when applying concurrently with their working spouse or if there is in force coverage with Transamerica on the working spouse’s life.\u003Cbr>• Juvenile non-resident foreign nationals are not eligible for coverage. Juvenile Residency Guidelines: The juvenile and owner must be residing in the U. S. permanently either as a U. S. citizen or a visa type that is not consider temporary or uninsurable based on our international underwriting guidelines. The owner of the policy must be the parent, grandparent, or legal guardian. |  |\n| --- | --- |\n| Occupation should be technical, professional, business owner or executive in nature.\u003Cbr>Occupations not eligible include: Judges, journalists, private pilots and/or crew members, politicians or government employees, public or private, police personnel, missionaries or proselytizers, military personnel, trade union officials, celebrates, prominent, famous or public figures, individuals listed on the Treasury Department’s Office of Foreign Assets Control (OFAC) list, or professional athletes. | |\n\nFor financial professional use only. Not for distribution with the","cbCait6zzQtrBHXi","https://ap.wps.com/l/cbCait6zzQtrBHXi","pdf",79691,"English","# Solicitation Rules\n# Determine Eligibility\n# Premium Rules\n# Underwriting Requirements","[{\"question\":\"Why must solicitation and related sale activities occur in the United States?\",\"answer\":\"Transamerica requires all parts of the sale—including solicitation, application writing, medical exams, lab specimen collection, and policy delivery—to be performed in the United States while the proposed insured and/or owner is legally and physically present there.\"},{\"question\":\"How does Transamerica determine eligibility for non-resident foreign national coverage?\",\"answer\":\"Producers must verify coverage availability using the Foreign National Underwriting Risk Classes by Country Guide and confirm eligibility under Non-Resident Underwriting Guidelines, which typically requires at least annual, regular travel to the U.S. and other qualifying ties. A minimum face amount of $1,000,000 is required in most cases.\"},{\"question\":\"What premium and payment rules apply?\",\"answer\":\"Money should not be collected with the application, and conditional receipts cannot be issued. All premiums must be paid in U.S. dollars from a U.S. account.\"}]","International Underwriting Helpful Hints - Non-Resident Foreign Nationals and U.S. Ex-Pats | PDF",1789784159]