Family travelling in front of a European city
First we understand your structure. Then we review the options.

Transnational Clients

When your life, your business or your wealth connect the United States with another country.

Owning businesses, property, assets or family responsibilities in the U.S. can create different protection needs when your residence, your family or part of your wealth sit in another jurisdiction. At Bermeo Insurance we start by understanding that structure and reviewing which insurable needs may exist.

Let's review your situation
+1 (407) 223-8678 Talk to a licensed agent
  • Whole Life Insurance
  • Service in English and Spanish
  • Licensed insurance agent

Who is it for?

Four situations, one question: what would need to keep working?

  • Business owners

    If you were gone, which obligations of your business and your family would carry on?

    People with a business interest in the United States and family or wealth responsibilities across countries. Their death can create financial needs for both the family and the business. Whole Life can be considered when there is a real need for life protection or liquidity tied to the owner, their family or certain business responsibilities.

  • Real estate investors

    Owning property is one thing. Having liquidity when it is needed is another.

    Would your family have liquidity available without having to sell a property right away? For eligible clients with real estate in the United States, Whole Life can be considered to provide life protection and a source of liquidity at death.

    • Life insurance does not protect the value or the return of a property, and it does not guarantee tax, legal, estate or investment outcomes.

  • Investors with U.S. assets

    If you were gone tomorrow, would there be enough liquidity independent of your assets?

    Residence, citizenship, domicile, the make-up of one's wealth, how it is owned and family responsibilities vary greatly from one person to another. Whole Life can be considered for certain life protection and liquidity-at-death needs when the client meets the applicable requirements.

  • Families with wealth across countries

    When the family is in one place and part of what you built is in another.

    A family may live outside the United States and keep property, businesses or other assets here, or live in the U.S. and keep wealth in another country. Does your current planning take into account where the people who depend on you are, and where your wealth is?

Family reviewing their plan on the computer

The insurance solution

Whole Life Insurance

For certain eligible transnational clients, Whole Life Insurance can be considered as part of a strategy for life protection and liquidity at death. Depending on the individual need, it may be considered to:

  • Provide financial protection for the family.
  • Create a source of liquidity at death.
  • Meet certain financial responsibilities that continue after death.
  • Support family or business continuity needs.
  • Be part of legacy planning where appropriate.
Availability is subject to eligibility, underwriting, residence, jurisdiction, documentation, carrier requirements and policy terms.
Learn how Whole Life works

How we work

Five steps, in this order.

First the person and their structure. Then the need. Only at the end, the policy.

  1. Woman smiling in front of a cathedral
    The need does not start with a policy. It starts with a responsibility.

    Understand

    Your residence, your family, your business.

    We look at where you live, where the people who depend on you are, and what businesses, assets and responsibilities you have on each side.

    • Residence and ties to each country
    • Family and dependents
    • Businesses and business interests
    • Property and other U.S. assets
  2. Signpost pointing to destinations in different countries
    If something changed tomorrow, what would need to keep working?

    Identify

    Which insurable need really exists.

    We look for the obligations that would continue and the people who would need a source of liquidity. If there is no insurable need, we tell you that too.

  3. Professional reviewing plans on a computer
    No eligibility is automatic: every case is reviewed.

    Evaluate

    Whether Whole Life can play a part.

    We review whether Whole Life can meet that need and whether you meet the corresponding eligibility and underwriting requirements.

  4. Traveller looking out over a coastal city at sunset
    Every decision in the right hands.

    Coordinate

    Each professional in their own field.

    Legal, tax, accounting or estate matters are handled with your own professionals. Bermeo Insurance handles the insurance component.

    • Your attorney

    • Your accountant or tax advisor

    • Bermeo: the insurance

  5. Traveller in front of a coastal town at sunset
    Life protection and liquidity for the people who depend on you.

    Implement

    Only when the solution is appropriate.

    The policy is put in place when the solution is appropriate, available and approved through underwriting.

Diana Bermeo · Principal Agent | Licensed Insurance Agent

The first step is not choosing a policy. It is understanding your situation.

Tell us how your life is organized across countries and let's review together whether there is a need for protection.

Let's review your situation
+1 (407) 223-8678 Talk to a licensed agent

The information presented is general and educational. Bermeo Insurance provides insurance-related services and does not provide legal, tax, accounting or investment advice. Product availability, eligibility, coverage and issue are subject to underwriting, residence, jurisdiction, insurer requirements and policy terms.

Matters of citizenship, residence or domicile, taxes, property, trusts, LLCs, succession, probate and estate structure should be reviewed with the client's own legal, tax and accounting professionals.