What is the term for an insurance company that is formed outside of the United States?

The term that refers to an insurance company formed outside of the United States is "alien." In the context of insurance, an alien company is one that is incorporated in a country other than the one in which it is conducting business. This designation helps clarify the regulatory environment applicable to the company, as it may be subject to different laws and regulations than those of a domestic or foreign insurer.

A domestic insurance company is one that is incorporated and operates within the same state it is providing insurance, while a foreign insurance company is formed in another state within the U.S. but operates within the state in question. The term "international" is more general and does not specifically refer to the context of insurance or the relationship between countries. Thus, "alien" is the correct term for identifying an insurance company established outside the United States.