Foreign Nationals Eligibility Questions

Name

Email Address

Phone

Best Time To Talk

Apartment, suite, etc

City

State/Province

ZIP / Postal Code

Nationality & Country of Domicile

Is the applicant a citizen or national of any country currently subject to comprehensive U.S. sanctions (Cuba, Iran,North Korea, Russia, Syria, Belarus, Venezuela)?YesNo

Is the applicant a citizen or national of any OFAC (Office of Foreign Assets Control) designated a state sponsor of Terrorism?YesNo

Does the applicant hold a passport from Myanmar, Sudan, Somalia, Libya, Zimbabwe, or Yemen?YesNo

Is the applicant's country of domicile classified as high-risk or non-cooperative by FATF (Financial Action Task Force)?YesNo

Does the applicant hold dual citizenship with any OFAC-sanctioned country, even if primarily a citizen of an eligible country?YesNo

Is the applicant domiciled in or a citizen of Afghanistan, Iraq, Haiti, or other OFAC-monitored jurisdictions?YesNo

Carrier Specific - U.S. presence & nexus requirements:

Will the applicant be physically present in the United States at the time the application is signed (required)?YesNo

Does the applicant have a valid, non-expired visa permitting legal entry into the United States (B-1/B-2, E, L, H,O, or similar)?YesNo

Has the applicant previously overstayed a U.S. visa or been denied entry into the United States?YesNo

Does the applicant have any demonstrable nexus to the U.S. (property ownership, business interests, family members who are U.S. citizens/residents, U.S. bank accounts)?YesNo

Is the applicant intending to establish U.S. residency or apply for a green card within the next 12 months?YesNo

Politically Exposed Persons (PEP) & Government Ties

Is the applicant a current or former senior government official, head of state, military officer, or judge from any country?YesNo

Is the applicant an immediate family member or known close associate of a PEP?YesNo

Does the applicant hold or have they previously held a senior position within a state-owned enterprise or sovereign wealth fund?YesNo

Is the applicant affiliated with a foreign political party in a leadership or financial capacity?YesNo

Has the applicant ever been investigated or charged for corruption, bribery, or misuse of public funds in any jurisdiction?YesNo

AML / Compliance - Source of Wealth & Financial Background

Can the applicant provide documented, verifiable source-of-wealth information acceptable to the carrier (tax returns, audited financials, business ownership records)?YesNo

Is the applicant's stated net worth primarily derived from a business or industry on the carrier's prohibited occupation list (arms dealing, gambling, cannabis, adult entertainment, cryptocurrency exchanges)?YesNo

Has the applicant ever been subject to an asset freeze, seizure, or forfeiture order in any country?YesNo

Does the applicant's wealth originate from a jurisdiction with no tax treaties with the United States or significant banking secrecy laws (e.g., certain offshore jurisdictions)?YesNo

Will the premium payment(s) originate from a bank account held in the applicant's name in a (FATF) Financial Action Task Force compliant jurisdiction?YesNo

Has the applicant filed, or are they required to file, a U.S. tax return (FBAR / FATCA reporting obligations)?YesNo

Criminal & Legal History

Has the applicant been convicted of any felony or criminal offense in any jurisdiction?YesNo

Is the applicant currently under indictment, investigation, or subject to an Interpol Red Notice or similar international law enforcement alert?YesNo

Has the applicant ever been sanctioned, banned, or prohibited from conducting financial transactions by any regulatory body worldwide?YesNo

Has the applicant been denied life insurance coverage by another U.S. carrier within the past 5 years for compliance or fraud-related reasons?YesNo

Business interest – Business / Corporate Ownership (if applicable)

Does the applicant own or control, directly or indirectly, any business entity incorporated in a sanctioned or OFAC listed jurisdiction?YesNo

Is the applicant's primary business involved in weapons manufacturing, arms trafficking, or defense contracting for a sanctioned government?YesNo

Does any entity in the applicant's corporate ownership structure include a state-owned investor from a sanctioned country?YesNo

Is the applicant the beneficial owner of a shell company, trust, or holding structure that obscures ultimate ownership?YesNo

Are there any ongoing regulatory, anti-money laundering, or fraud investigations involving the applicant's business in any jurisdiction?YesNo

Underwriting – Policy structure & insurable interests

Will the policy owner and premium payor be the insured themselves, or a carrier-approved entity with clear insurable interest?YesNo

Is there any indication the policy is being purchased as an investment vehicle, wealth transfer mechanism through a non-disclosed third party, or for STOLI (Stranger-Originated Life Insurance) purposes?YesNo

Is the proposed face amount proportionate to the applicant's documented net worth and income (typically ≤ 25–30x income depending on carrier)?YesNo

Does the applicant already have a large amount of existing U.S. life insurance in force that, combined with this application, would exceed carrier retention limits for foreign nationals?YesNo

Will the policy be assigned, pledged, or collateralized to a foreign bank or entity upon or shortly after issuance?YesNo