Who We Serve
Life Insurance for Foreign Nationals
Citizenship is not the requirement most people assume it is. What carriers actually look at is your residency status, how long you have been in the U.S., your ties here, and your ability to be underwritten — not your passport.
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What do carriers generally look for?
Requirements vary by carrier, but a few themes are consistent.
U.S. residency, typically with documentation of how long you have lived here
A valid visa or other lawful immigration status recognized by the carrier
Financial ties to the U.S. — a home, a job, a business, or family here
A U.S. bank account to pay premiums and, often, a U.S. address
Why insurable interest and financial ties matter?
Carriers want to see a genuine financial reason for the policy to exist in the U.S. — a mortgage, dependents here, a business, or income earned domestically. The stronger and more documented your ties, the more carriers are realistically available to you.
What should you know about Coverage amounts and documentation?
Some carriers cap coverage amounts or require additional financial documentation for applicants without permanent residency. Having recent tax returns, proof of income, and immigration paperwork ready before applying speeds up underwriting considerably.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Other people we help
Business partners
By situation
Green card holders
By situation
H-1B visa holders
By situation
Asset protection
By situation
Retirees
By situation
Single Adults
By situation
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.