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

Insurance companies that are organized in countries outside the United States are referred to as alien insurers. This classification is important because it helps to define the regulatory environment these insurers operate within. Alien insurers are subject to regulations in their home country as well as in the states where they conduct business in the U.S.

In contrast, domestic insurers are those that are incorporated or organized under the laws of the state in which they operate. Foreign insurers are those that are based in the United States but are organized under the laws of another state within the country. The label "international insurers" is not a standard term used in insurance regulation, making "alien insurers" the precise and correct choice for companies outside of the U.S.