Who We Serve
Life Insurance for H-1B Visa Holders
H-1B holders are one of the more straightforward non-citizen categories for carriers to underwrite, because the visa itself demonstrates lawful status, employment, and income — three things carriers want to see documented anyway.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
What should you know about What typically makes underwriting easier?
The H-1B status covers a lot of the ground carriers usually ask about separately.
Valid H-1B status demonstrating lawful presence and sponsored employment
Verifiable income through your U.S. employer
A U.S. address and bank account
Length of time already spent in the U.S., which some carriers weigh in their requirements
What should you know about What varies by carrier?
Not every carrier treats H-1B applicants the same way. Some ask for a minimum period of U.S. residency before writing a policy, and some cap available coverage amounts differently than they would for a citizen or green card holder. This is exactly why comparing carriers matters more for visa holders than for most applicants.
What happens if your visa status changes?
An in-force life insurance policy is not tied to your ongoing visa status the way employment-based benefits are. Once issued, the policy continues regardless of a job change, a status change, or eventually becoming a permanent resident or citizen.
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
Green card 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.