Insurance companies that are organized in countries outside the United States are referred to as what?

Insurance companies that are organized in countries outside the United States are often referred to as "alien", which may be confusing as it is not typically used in everyday language to describe companies. However, in the insurance industry, "alien" refers to a company that is organized and licensed in a country other than the one where it is doing business. This distinguishes it from a domestic company, which is organized and licensed within the country where it operates, and a foreign company, which may operate in multiple countries but is still organized within the United States. Therefore, while all of the options may have some connection to international presence, only "alien" accurately describes a foreign insurance company that is organized outside of the United States.