NRI & Cross-Border Structuring
A review of insurance decisions for NRI families and Indian residents with foreign-resident heirs, tested against tax and treaty exposure.
Cross-border families carry exposure most policies were not built for.
A resident Indian with heirs abroad, or an NRI holding Indian insurance, sits across two or more tax and legal systems at once. Insurable interest rules, repatriation caps, treaty positions and foreign tax treatment of Indian payouts are rarely considered together when a policy is originally bought.
Reviewed against tax and treaty exposure, jurisdiction by jurisdiction.
- Insurable interest mechanics where the policyholder and beneficiary sit in different countries.
- Repatriation limits and NRO/NRE structuring implications for payouts.
- Foreign tax treatment of Indian policy proceeds in the relevant residence jurisdiction.
- Where relevant, GIFT City IFSC structuring as an alternative to a standard resident policy.
A written finding, not a recommendation to buy.
The audit ends with a written report on where cross-border exposure sits and what a better-aligned structure would look like. You are free to act on it with your own advisors in each jurisdiction, or any broker. Arcus does not place insurance and earns no commission on the outcome.
For a conversation about cross-border insurance structuring.
contact@arcusadvisory.in