An insurer incorporated under the laws of another U.S. state writes policies delivered in Columbus, Georgia. How is this insurer classified under Georgia law?

Why B is correct

Under O.C.G.A. § 33-3-1, an insurer incorporated under another U.S. state's laws is a foreign insurer when it writes business in Georgia, because it is organized outside Georgia but still within the United States. Only an insurer organized under Georgia law is domestic, and only one organized under another country's laws is alien. The label drives the insurer's admission path with the Office of Commissioner of Insurance and Safety Fire.

Why the other options are wrong

• A) Domestic status belongs only to insurers organized under Georgia law.
• C) Alien status requires organization under the laws of a country other than the United States; another U.S. state does not qualify.
• D) Reciprocal describes a company whose subscribers exchange contracts of insurance, not the place of organization.

Memory hook

Out-of-state but in-country means foreign, never alien.

Why C is correct

Under O.C.G.A. § 33-3-1, a foreign insurer is one formed under the laws of another state or jurisdiction of the United States. Its Georgia classification follows its place of incorporation, and once admitted with a certificate of authority it transacts business in Georgia as an authorized foreign insurer.

Why the other options are wrong

• A) Domestic status is reserved for insurers formed under Georgia law.
• B) Alien status applies to insurers formed under the laws of another country, not another U.S. state.
• D) Being formed outside Georgia does not make an insurer unauthorized; authorization turns on admission by the Insurance Department, which is exactly what the certificate of authority grants.

Memory hook

Other U.S. state = foreign; other country = alien.