What are the options of permanent life insurance?

Permanent life insurance policy designs include Indexed Universal Life, Whole Life, Guaranteed Universal Life and Traditional Universal Life. Each of these four policies that we can help implement has its own advantages. After understanding your needs, we will recommend the right policy or policy combination for you.
How to choose an insurance company?

We represent life insurance companies with a long-standing history of stability and solid third-party financial strength ratings. Many U.S. insurance companies have a history of more than 100 years. Since then, they have provided safe, stable and guaranteed life insurance products. Standard & Poor's, Moody ’s, Fitch and A.M. Best Rating provide the most trusted financial strength ratings. Each insurance company has different approval conditions for foreign nationals. We will recommend the most suitable life insurance company or companies for you according to your situation.
Is the policy information private and confidential?

Yes. U.S. life insurance companies value and protect customer privacy. In addition, the United States does not participate in the Common Reporting Standard (“CRS”) of the Organization for Economic Cooperation and Development (“OECD”). They will not exchange policy information with other countries.
Is the policy tax exemption?

Yes. Accessing the gains in life insurance policy cash values can be accessed without incurring income taxes or capital gains taxes. Life insurance death benefits can also be exempt from income taxes as well as federal and state inheritance taxes.
How do I access the cash value of the policy?

The cash value of the policy can be accessed through withdrawals or loans.
How do I know the latest status of the policy?

The insurance company will send the policy annual statement, or you can log in to the insurance company website to view the policy information. We can also provide you with any information that you request.
How are claims made when a death benefit needs to be paid?

The claim process is initiated with the insurance company’s claims department, either directly or through us. Some insurance companies have foreign language speaking customer service staff. The beneficiary must provide the policy number, information of the insured, death certificate, death claim form, and other necessary information. Many states allow insurance companies to review and approve claims within 30 days before paying.
What are payout options?

It can be a check or a wire transfer. Payment options may include a lump sum payment, an installment option, an annuity option, and a retained asset account.
Can a foreign national be the policy holder?

Yes. A U.S. nexus (connection or link) is typically required.
Can I set up a U.S. trust to hold a policy?

Yes, you can get additional privacy and protection by setting up a U.S. trust to own the life insurance policy. With a comprehensive trust document, you can determine how to distribute assets, taking care of your loved ones with precision and according to your willingness.
Does the insured need a health check?

Yes, we will help you arrange a health check so that the insurance company can make a comprehensive assessment of your health and insurability. Health-related requirements usually include a health condition history questionnaire, blood and urine specimens, and resting electrocardiograms. Your height, weight, heart rate and blood pressure will also be recorded.
How to get started the application process?

The application process is fairly simple. Tell us your needs, and we can assist you. You can make a call or open the chat box on our website for immediate consultation. Or leave contact information via Contact Us.

What are the options of permanent life insurance?

Permanent life insurance policy designs include Indexed Universal Life, Whole Life, Guaranteed Universal Life and Traditional Universal Life. Each of these four policies that we can help implement has its own advantages. After understanding your needs, we will recommend the right policy or policy combination for you.
How to choose an insurance company?

We represent life insurance companies with a long-standing history of stability and solid third-party financial strength ratings. Many U.S. insurance companies have a history of more than 100 years. Since then, they have provided safe, stable and guaranteed life insurance products. Standard & Poor's, Moody ’s, Fitch and A.M. Best Rating provide the most trusted financial strength ratings. Each insurance company has different approval conditions for foreign nationals. We will recommend the most suitable life insurance company or companies for you according to your situation.
Is the policy information private and confidential?

Yes. U.S. life insurance companies value and protect customer privacy. In addition, the United States does not participate in the Common Reporting Standard (“CRS”) of the Organization for Economic Cooperation and Development (“OECD”). They will not exchange policy information with other countries.
Is the policy tax exemption?

Yes. Accessing the gains in life insurance policy cash values can be accessed without incurring income taxes or capital gains taxes. Life insurance death benefits can also be exempt from income taxes as well as federal and state inheritance taxes.
How do I access the cash value of the policy?

The cash value of the policy can be accessed through withdrawals or loans.
How do I know the latest status of the policy?

The insurance company will send the policy annual statement, or you can log in to the insurance company website to view the policy information. We can also provide you with any information that you request.
How are claims made when a death benefit needs to be paid?

The claim process is initiated with the insurance company’s claims department, either directly or through us. Some insurance companies have foreign language speaking customer service staff. The beneficiary must provide the policy number, information of the insured, death certificate, death claim form, and other necessary information. Many states allow insurance companies to review and approve claims within 30 days before paying.
What are payout options?

It can be a check or a wire transfer. Payment options may include a lump sum payment, an installment option, an annuity option, and a retained asset account.
Can a foreign national be the policy holder?

Yes. A U.S. nexus (connection or link) is typically required.
Can I set up a U.S. trust to hold a policy?

Yes, you can get additional privacy and protection by setting up a U.S. trust to own the life insurance policy. With a comprehensive trust document, you can determine how to distribute assets, taking care of your loved ones with precision and according to your willingness.
Does the insured need a health check?

Yes, we will help you arrange a health check so that the insurance company can make a comprehensive assessment of your health and insurability. Health-related requirements usually include a health condition history questionnaire, blood and urine specimens, and resting electrocardiograms. Your height, weight, heart rate and blood pressure will also be recorded.
How to get started the application process?

The application process is fairly simple. Tell us your needs, and we can assist you. You can make a call or open the chat box on our website for immediate consultation. Or leave contact information via Contact Us.

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