Cross-Border/Non-Resident Sales Process for Life Insurance Applications

Cross-border/non-resident sales refer to the situation where the state an application is written in differs from the state of residence provided for the policy owner. Beginning June 15, 2023, any application that is not written in the owner’s resident state (or employer’s state) will require a Non-resident Sales form (DD9680). Cross-border sales are not allowed in MA, MN, UT, WA, or NY. A new application will be required if the state written does not match the address provided for the owner.