Which term describes an insurer that operates in the U.S but is headquartered outside the U.S.?

The term that describes an insurer that operates in the U.S. but is headquartered outside the U.S. is "Alien." In the context of insurance, an alien insurer is one that is formed or incorporated in a country other than the one in which it is doing business. This designation is essential for regulatory purposes, as it helps determine the jurisdiction under which the insurer is governed and the applicable laws and regulations that pertain to its operations in the U.S.

Understanding the difference between domestic, foreign, and alien insurers is crucial in the field of insurance. A domestic insurer is one that is incorporated in the same state where it conducts its business, while a foreign insurer is one that operates in a state different from where it was incorporated but is still based within the U.S. The term "international" typically refers to businesses that operate across national borders but does not specifically apply to the classification of insurers based on their headquarters relative to their operations.