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Joshua Herrington
Cross-border planning, made clear
Foreign National Client Discovery
Step 1 of 5

Client Profile

Begin with your client's personal information. All fields are for analysis purposes only — this information is not stored.

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Step 2 of 5

Financial Profile

The client's financial profile determines carrier eligibility thresholds and coverage justification. Enter approximate values.

$
Include worldwide assets
$
$
Face amount for life insurance, or single/annual premium for annuity
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U.S. Connections

Select all that apply to your client. These connections determine which carriers your client may access and at what tier.

Assets & Business Interests

Key thresholds for carrier eligibility:
≥ $250,000 held ≥ 6 months → John Hancock & Pacific Life financial presence ✓
≥ $100,000 held ≥ 3 months → National Life (life & annuity) nexus ✓
≥ $25,000 held ≥ 30 days → Lincoln Life nexus ✓
≥ $10,000 held ≥ 30 days → Symetra nexus ✓

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U.S. Status & Presence

Citizenship, visa status, and physical presence in the U.S. affect both nexus qualification and the ability to sign applications with domestic carriers.

Citizenship & Legal Status
Family Ties & Physical Presence
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Step 5 of 5

Risk Profile

Certain occupations and statuses create automatic exclusions at one or more carriers. Please select any that apply to your client.

If any of the following apply, it does not disqualify your client entirely — it affects which carriers are available. Select all that are relevant.
None of the above apply? That's great — leave all unchecked and proceed to analyze.
Step 5 of 5
Analysis Complete
Foreign National Opportunity Analysis
Based on the information provided, we have evaluated your client's eligibility across life insurance and annuity carriers in our network.
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Potential Carrier Matches Identified
Highlighted Opportunities

Your full analysis includes additional carrier matches and detailed eligibility guidance.

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Request Your Full Report

Get the Complete
Carrier Analysis

Submit your client profile and our team will prepare a detailed, carrier-by-carrier eligibility report — including documentation requirements, nexus guidance, and recommended next steps.

Full carrier names & eligibility status
Country tier classification per carrier
Nexus documentation requirements
Financial & physical presence analysis
Occupation exclusion review
Ownership & premium payment guidance
AML & compliance checklist
Prioritized recommended next steps
Request Full Carrier Report  →