CMG of California offers guidelines designed especially for the High Net Worth Foreign National (HNWFN) market. Our process includes our dedicated international network assigned to each case at the time of submission, plus reinsurance arrangements specifically put in place for Foreign National insured’s. Please note that no set of guidelines can accommodate every circumstance. However, these basic underwriting rules are currently in place for all of our HNWFN cases.


Basic Guidelines

  • Ages between 18-75 (juvenile coverage is not available).
  • Proposed insured must have a U.S. connection.
  • Minimum face amount of $1MM.
  • All cash value life insurance and term products are available.
  • Minimum net worth of $2MM USD equivalent required (not required for U.S. citizens or U.S. permanent residents by guidelines explained in this document).
  • No politicians, public figures, missionaries, government leaders, journalists, judicial personnel, or politically exposed persons (PEPs).