A life insurance company operating in California is incorporated in another state, such as New York, but is authorized to do business in California. For regulatory purposes in California, this insurer would be classified as a(n):
Correct
The answer is A: Foreign insurer
In California, a foreign insurer is one not organized under California law, whether or not it is admitted (Ins. Code §27), so a New York company authorized to do business here is an admitted foreign insurer. A domestic insurer is organized under California law (§26). An alien insurer is a foreign insurer organized outside the United States (§1580), which a New York company is not. A non-admitted insurer is one not authorized to do business in the state, and this insurer is authorized.
Why not ?
Reviewed in our October 2026 California fact-check.
Show the answer
The answer is A: Foreign insurer
In California, a foreign insurer is one not organized under California law, whether or not it is admitted (Ins. Code §27), so a New York company authorized to do business here is an admitted foreign insurer. A domestic insurer is organized under California law (§26). An alien insurer is a foreign insurer organized outside the United States (§1580), which a New York company is not. A non-admitted insurer is one not authorized to do business in the state, and this insurer is authorized.
Reviewed in our October 2026 California fact-check.
