Who We Serve
Life Insurance for Green Card Holders
As a lawful permanent resident, you are generally in the strongest position among non-citizens applying for U.S. life insurance. Most carriers treat green card holders very similarly to citizens, with full access to term and permanent products.
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What is typically available?
Permanent residency removes most of the friction that affects other visa categories.
Full underwriting access to term and permanent life insurance at most carriers
Coverage amounts generally in line with what a citizen with the same income and health could obtain
Standard documentation — green card, U.S. address, proof of income
The same medical underwriting standards applied to any applicant
What do carriers still check?
Even with permanent residency, carriers want to confirm you actually live in the U.S. and intend to remain, along with your financial ties here. This is routine and rarely a problem for someone who has settled and is working or running a household in the U.S.
What should you check about coverage for family members who are not yet residents?
If you want to insure a spouse or child who does not yet hold a green card, that policy is evaluated on their own status. It is common for a family to be in different positions on this at the same time, and we will sort out what each person qualifies for separately.
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
Foreign nationals
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.