Under O.C.G.A. § 33-3-1, an insurance company incorporated in France that holds a Georgia certificate of authority is classified in Georgia as which type of insurer?

Why this is the answer

O.C.G.A. § 33-3-1 classifies insurers by place of incorporation. A 'domestic' insurer is formed under Georgia law; a 'foreign' insurer is formed under the laws of another U.S. state; and an 'alien' insurer is formed under the laws of a country other than the United States. A French-incorporated insurer therefore is alien in Georgia, regardless of whether it also holds a Georgia certificate of authority. 'Reciprocal' is an organizational form, not a domicile classification.