Acme Insurance Company is organized under the laws of Bermuda and writes California risks through a Certificate of Authority. Under the California Insurance Code, how is Acme classified relative to California?

Why this is the answer

California Insurance Code §§ 26-28 establish a domicile trichotomy: 'domestic' (§ 26) means formed under California law; 'foreign' (§ 27) means formed under the laws of another US state; 'alien' (§ 28) means formed under the laws of any country other than the United States. Domicile and admission are independent axes — an alien insurer may obtain a Certificate of Authority and become admitted in California (most major reinsurers and Lloyd's syndicates take this path). See Ins. Code §§ 26-28.