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 Life 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.

We offer a competitive policy for your needs

Allianz Life Pro+® Advantage Fixed Index Universal Life (FIUL) Insurance Policy 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.
Tax deferral
Your policy’s accumulation value grows tax-deferred.
Accumulation potential
Your policy’s accumulation value has the potential to earn interest based on an external market index or a fixed interest option.
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.1
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Build your accumulation value with fixed interest, indexed interest, or both

Fixed interest

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You can allocate all or part of your policy’s accumulation value to earn fixed interest.
Your policy is credited annually at one predictable interest rate, no matter what happens in the market during that year.

Indexed interest

You can allocate all or part of your policy’s accumulation value to earn interest that’s based on the performance of one or more external market indexes. (Each index is made up of a group of investments, such as those belonging to a certain industry, or a certain type of investment.)
Your policy tracks the performance of your selected index(es) – but you’re not actually participating in the market or buying shares in any index.
If, at the end of the crediting period:
  • An index you’ve chosen shows a positive return, interest is credited.
  • The index shows a decrease, you won’t earn interest – but you won’t lose anything, either.
Because you’re not actually invested in the market, your accumulation value (including any interest you’ve received) can never be lost due to market downturns (although fees and expenses will still be deducted).
Because indexes can perform differently in a variety of market conditions, Allianz Life Pro+® Advantage offers you a variety of index options. You can choose one index option or diversify among multiple options. Diversifying can help you reduce the impact of volatility and achieve a more consistent return. (You have the ability to change your options annually.)
Diversifying within an FIUL does not ensure that a policy will be credited with interest in any given year.

Eliminate the possibility of receiving 0% interest with Index Lock

Allianz Life Pro+® Advantage is the first policy of its kind to offer Index Lock – an exclusive feature that gives you the ability to lock in an index value at any point once during the crediting period (prior to the policy anniversary).

This will be the interest credit that’s applied at the end of your crediting period – no matter what happens in the market after you’ve set the lock.2 The index will unlock at the beginning of the next policy year, and you’ll once again have the option of locking in an index value you’d be comfortable with receiving. Index Lock is available with two of our index allocations.

Watch this video for a demonstration of Index Lock

For more details on indexed interest, Index Lock, and your allocation options, see our Allianz Life Pro+® Advantage Allocation Guide brochure.


Ready to learn more?

Contact your financial professional and discuss whether Allianz Life Pro+® Advantage is appropriate for your overall financial strategy.
1 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.

2 The Index Lock feature is available with certain index allocation options. The Index Lock occurs at the end of the business day, therefore the actual index value used to determine interest credited may be higher or lower than the index value at the time of request.

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.

This content does not apply in the state of New York.