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Global Citizens

What is a Foreign National?

Global Citizen Seeking Unique Offshore Strategies

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Global Citizens

What is a Foreign National?

“Foreign Nationals” (FN) is a broad term that includes both Non-Resident Aliens (NRA) and Resident Aliens (RA).

  • NRA: Non-U.S. citizens who reside permanently outside the U.S.
  • RA: Non-U.S. citizens who reside in the U.S. and have no intent to leave.

NRA’S With U.S. Nexus

NRA’s purchase U.S. based life insurance for a variety of reasons. These individuals have ties to the U.S. via residency, investments or business interest. They value the stability of the U.S. insurance carriers and US dollar currency. Depending on the rating of their home county, these individuals may qualify for the best U.S. policy pricing. This pricing and performance may often be more favorable than insurance policies issued in other countries.

NRA’S With No U.S. Ties

NRA’s may have a need for life insurance outside their home country but do not have ties to the U.S. In this case Offshore Life Insurance issued through a jurisdiction outside the US such as Bermuda can be attractive. The insurance process including application process needs to take place outside the individual’s home country.

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Pfleger Financial Group, Inc.

2600 S. Douglas Rd, Ste. 1010
Coral Gables, FL 33134

phone: (305) 441-1410

fax: (305) 441-1710

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Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. Pfleger Financial Group, Inc. is independently owned and operated. Pfleger Financial Group, Inc. is a member of M Financial Group. Please go to for further details regarding this relationship.

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Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

This site is for information purposes and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, financial or tax advisor or plan provider. #6504112.1


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