RDK Advisors
601 NW Loop 410 West, Suite 240
San Antonio, TX 78216
210.402.0039 x.12
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Foreign National Underwriting

Many of you know that one of the most important elements of a great foreign national case is a close financial connection to the U.S. – called nexus. RDK Advisors have recently expanded our definition of nexus, so that more of your clients will qualify. The client must have spent at least 15 days in the last 12 months in the U.S., and ONE of the following criteria:

  • Owns U.S. property
  • Has a U.S. bank or brokerage account ($100k balance net of first annual premium, and open for at least 6 months)
  • Is the owner of a foreign company and comes to the U.S. to transact business
  • Has his/her primary employment in the U.S.
  • Is renting in the U.S. (lease of at least a year) and spending significant time in the U.S.
  • Is a full‐time college student in the U.S.

And did we mention…

  • $25 million autobind limit and $35 million jumbo autobind limit
  • More than 90 approved countries
  • Preferred Plus and Preferred available
  • Clients must be between the ages of 18 and 70
  • Consideration for clients between the ages of 71 and 75 by exception only
  • Table reduction program available up to age 70, to $10 million
  • Spanish translations of attending physician’s statements
  • Coverage for a spouse who doesn’t have a nexus. (If RDK Advisors is able to place coverage on your non‐citizen client, we can look at his/her spouse (concurrently or within 6 months) even if that spouse does not have a nexus or financial justification. The limit is the amount of coverage on the spouse up to $10 million.)