hero foreign national program

Life insurance that can fit the needs of
Foreign Nationals

High Net Worth Foreign National (HNWFN) Program

Wealthy non-U.S. citizens who have meaningful financial ties in the United States may have a need for life insurance to protect their financial interests. If this is your situation, Allianz Life Insurance Company of North America (Allianz Life) may be able to help.

We have an established HNWFN Program along with a life insurance product that is designed to provide accumulation potential to help address future needs along with death benefit protection for loved ones.

Program qualifications
Who is eligible for the Allianz HNWFN program?

Non-U.S. citizens:

  • Those who may or may not have the intention to permanently reside in the U.S.
  • Those who are in the U.S. on a non-immigrant visa or conditional Green Card
When an individual applies, what factors determine their foreign national underwriting qualification?
  • Countries of legal citizenship and/or residency
  • Location of residence, employment, and legal authorization thereof
  • Connections to the United States and need for U.S.-based life insurance

Countries of citizenship and residency

*High net worth foreign national program guidelines may be subject to change based on current environment.


Allianz is part of a globally known leader in insurance

When you work with Allianz, you’re working with an established insurer and a leader in the fixed index universal life (FIUL) insurance marketplace.

We’ve been in the life insurance business since 1896, and have grown to $119 billion assets under management. Our parent company, Allianz SE, is one of the world’s largest insurers and asset managers, with more than 100 million customers.1

We focus on stability, reliability, and long-term results to help us guarantee the benefits we offer and the money you entrust to our care. Consistently high financial ratings from independent financial rating agencies have affirmed our strength, again and again.

At Allianz, we’re true to our promises – so you can be true to yours.

We offer a competitive policy for your needs

Allianz Life Pro+ AdvantageSM Fixed Index Universal Life (FIUL) insurance provides a unique combination of benefits that can help address a variety of common financial concerns:

Your beneficiaries get a death benefit that is generally income-tax-free.
Accumulation potential
Your policy’s accumulation value has the potential to earn interest based on an external market index or a fixed interest option.
Tax deferral
Your policy’s accumulation value grows tax-deferred.
Your policy’s cash value can be accessed through policy loans and withdrawals for any purpose you like – such as to help provide supplemental retirement income, emergencies, supplemental college funding, travel expenses, and more.2

Ready to learn more?

Contact your financial professional and discuss whether Allianz Life Pro+ Advantage is appropriate for your overall financial strategy.

1 As of March 6, 2020 (release of the Annual Report 2019)

2 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. Withdrawals in excess of premiums paid will be subject to ordinary income tax. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. If any of these features are exercised prior to age 59½ on a MEC, a 10% federal additional tax may be imposed. Tax laws are subject to change and you should consult a tax professional.

The indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Product P64339 is issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.950.1962.

Product and feature availability may vary by state and broker/dealer.