Insurance is no longer reliable. Are the foreign insurance policies you purchased still good?

2026-04-06 22:16:50

Over the past decade, tens of thousands of investors have flooded into overseas insurance markets, buying U.S.-dollar-denominated savings and participating life policies. What they’re looking for is the sense of security that comes with an expected return of 5%–7% and global asset allocation.

But a covert chain of risks is taking shape within the overseas insurance industry: Wall Street’s private equity giants are making large-scale acquisitions of insurance companies, funneling policyholders’ money into private credit markets with very low liquidity and highly opaque valuations.

And now, this market is showing signs of a redemption wave and a surge in defaults.

Is your offshore policy still safe?

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