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As a green card holder, it’s natural to have questions about what you can and can’t do regarding your finances in the United States. 

For example, you may have concerns about your ability to buy life insurance. While it may require some additional documentation, all green card holders are permitted to buy life insurance. 

Note: if a broker or agency tells you that you don’t qualify for life insurance because of your status, move onto another option. Being a green card holder should not hold you back from obtaining the coverage you need to protect your family and obtain peace of mind.

Additional Underwriting Considerations

At this point, you understand that you qualify to purchase life insurance as a green cardholder. However, there is something to keep in mind as the process begins: any non-US citizen requires additional underwriting considerations, which could delay the process (but not long).

With most life insurance companies, a green card holder is required to provide a copy of a valid VISA along with their application. So, if you get this in order before you begin your search for a policy, you won’t run into too many delays.

Other Things You Need to Know

While the terms and conditions vary from company to company, the following points of emphasis should be kept in mind when buying life insurance as a green card holder:

• You will be insured at the best available class with no country restrictions
• All applications, inspection reports, and medical requirements must be completed in the United States 
• You must provide a copy of your valid green card along with the application 
• If you travel outside of the United States for eight or more weeks per year, underwriting is based on the destination country code

What About Premium Payments?

Depending on the company you buy from, there may be special stipulations associated with your premium payments. It’s important to understand this upfront to ensure that you don’t run into any issues when remitting payment in the future. 

Here are some things you need to think about:

• All premium payments, including the first one, must be debited from a United States-based bank account 
• The bank account you choose must be in your name
• All premium payments must meet full compliance standards with the Company Office of Foreign Assets Control (OFAC) and Anti-money Laundering (AML) procedures
• Payment via money order is not accepted

How to Buy Life Insurance with a Green Card

By now, you understand that you can purchase life insurance as a green cardholder. Doing so is a simple process online:

• Use an online broker that provides quotes from multiple providers
• Compare a minimum of three to five quotes before making a final decision
• Learn more about both whole life and term life insurance (compare the pros and cons)

Once you make a decision on the company and type of policy that’s best for you and your budget, follow through with the application process. At the end, you’ll make your initial premium payment and your policy will be active. 

Final Thoughts on Buying Life Insurance with a Green Card

A green card changes the way you buy life insurance in some ways, but overall the process is more or less the same. As long as you know what’s expected of you and what you need to complete an application, you shouldn’t run into any challenges. And even if you do, most of them are easy to work through promptly.

So, you can forget about your green card status as start your search for the perfect life insurance policy. You’ll be glad that you did! 

Can An Illegal Immigrant Get Life Insurance In The U.S.?

The short answer is yes; illegal immigrants can get life insurance! There are specific requirements that you will need to have to qualify.

We are brokers that help Non-U.S. citizens get life insurance in the U.S. with the best companies available. Fortunately, we have secured a carrier (top-rated life insurance company) that requires only three things to illegal immigrants and undocumented immigrants:

1. Reside In The U.S.

Just as long as you reside in the United States, you can meet this requirement. You don’t need to own a house. If you are renting that is enough to qualify.

2. ITIN or Social Security Number

You will need to provide an ITIN (tax id number) or a Social Security Number.

3. Bank Account In The U.S.

To pay for life insurance, you will need a bank account in the United States. You can pay monthly, quarterly, or annually for your life insurance.
For competitive reasons, we cannot disclose who this carrier is. However, they are A+ rated and among the most competitive prices. Also, they have a term, universal, and whole life insurance.

What is the process of getting life insurance for an illegal immigrant?

As we stated before, if you have an ITIN or Social Security and you live in the U.S., then you can apply.

1. Get Quotes
2. Chose Medical Or Non-Medical Options
3. Sign Paperwork
4. Pay For The Life Insurance
5. Get An Approval

That’s it!

The Same Type Of Life Insurance

It may seem hard to believe, but all the rules of a standard life insurance application apply:

You can name beneficiaries
Pays death benefit under any death
The death benefit is tax-free
You can keep it if you move to any other country

We believe everyone should be able to protect their families, no matter where they come from!

7 Tip for Non-US Residents

Non-Medical Option Available

There are medical and non-medical options available. What this means is that you can choose to take a medical test to get a good health rating, or you can take a standard rate and not take a medical.

Final Word

Don’t wait to lock in the protection you need for your family. It is easier than you think to obtain life insurance in the U.S even as an Illegal Immigrant. Protect what matters most with life insurance.

Trump and Immigration: The Impact

When a new president takes office in the United States, it goes without saying that many things are going to change. This has definitely been the case with Donald Trump. As he continues to get his feet wet, many changes have been pushed through the pipeline.

From day one, it has been clear that Donald Trump would take a hardline stance against illegal immigrants. His point of view is simple: there is a system for bringing immigrants into the United States and it must be followed in order to ensure the overall safety of the country as a whole.

Unfortunately, when these types of changes are made, it often leads to confusion for many groups of people.

For example, if you’ve been staying current with the news, you know that Trump is in the process of considering all options for deporting illegal immigrants. With this in mind, there is still some gray area as to how legal immigrants would be impacted by some of the plans he has moved to the forefront.

What to Expect

At this point, we know one thing to be true: Trump is navigating his way through a variety of issues on a daily basis. For this reason, there is no sure fire way of knowing for sure what will happen in the future.

Even so, things are beginning to become clear. For example, a recent Bloomberg article detailed the approach that the president may take in regards to immigrants.

Forget about his ban against travelers from Muslim countries for the time being. Instead, let’s focus on the legal approach that the president can take in regards to limiting immigration into the United States and deporting undocumented people who are already living in the country.

Important Changes

It’s important to remember one thing: the president has quite a bit of power when it comes to matters of immigration. Here’s a passage from the Bloomberg piece that will open your eyes:

“The Department of Homeland Security oversees almost two dozen agencies that determine who enters and leaves the U.S., including Immigration and Customs Enforcement, Customs and Border Protection and Citizenship and Immigration Services. The agency has an annual budget of $41 billion and more than 229,000 employees. Trump has broad discretion to use the money and employees as he sees fit without seeking approval from Congress.”

In other words, the president, no matter who it may be, has access to the resources he or she needs in order to take the desired action.

Trump, however, has been enamored with immigration matters for quite some time. At this point, he wants to take things to the next level by hiring an additional 10,000 agents. Along with this, he has plans to use both local and state law enforcement officers as immigration officials.

While the Obama administration focused primarily on deporting immigrants who committed serious crimes, Trump is taking this one step further. He is interested in cracking down on anyone who has illegally entered the United States.

Adding to this, the Bloomberg article makes another interesting point:

“The president can instruct State Department and ICE officials to tighten criteria for letting people into the U.S. and to increase searches at the border, where agents have much more freedom to rifle through people’s belongings than police inside the country. Trump has said the order will hasten adoption of “extreme vetting” procedures.”

So, What Is The Impact?

With all this in mind, Donald Trump’s presidency is still in its infancy. Nobody knows exactly what to expect in regards to future immigration orders. But it’s easy to see that the president and his team are making big changes.

The reality is that many of the legal immigrants that are in the U.S. are scared. We are talking about over 45 million people in the United States. We specialize in helping legal immigrants purchase life insurance in the U.S., and we can see people are concerned.

Do you think they have a reason to be scared?

Also check out an interesting article on Donald Trump’s Life Insurance.

Here is the resource that will help you or a family member get life insurance in the US, even if you are not a U.S. citizen. If you are not a citizen it may be a little bit harder to get life insurance, but don’t worry it only requires a little bit more paperwork, a few more requirements, and working with experts.

Life Insurance non US Citizen, What is the process?

The process for non US citizens is very similar than if you were a citizen. Let’s look at the steps you need to take to get life insurance as a non U.S. citizen:

1. Determine what kind of coverage and how much coverage you want with an experience agent. This will depend on what assets your are trying to protect in the U.S.
2. Sign all the paperwork in the U.S. If you live outside of the U.S, we would recommend taking a trip here while your process is under way.
3. Schedule a medical in the U.S. with your agent. The medical consist of a blood and urine test performed by a independent party, and it usually takes 15 minutes.
4. If you have any medical records from your country, please provide them to your agent. This will speed up the process tremendously. Also if you can have them translated, even better.
5. Wait 6-8 weeks for an approval.
6. Sign your policy and pay for your premium on U.S soil.

You have Life Insurance!

Now that we know the process, let’s see if you can actually get a life insurance be approval. Here are some of the common scenarios we face:

Living outside of the U.S.

We get many requests for people living outside of the U.S. for life insurance. Because most people want to have life insurance in a country with a strong economy and a stable currency. If you live outside of the United states then you can get U.S. based insurance if you have a financial need for it. This means you need to have property in the U.S., bank accounts, or investment accounts. While having having financial ties will help, it doesn’t guaranteed that you will get life insurance, you still need to go through underwriting.

Different Countries

Life Insurance companies will give you better or worse prices, depending where you are from, and where you reside. The follow rating that we are assigning says how favorably the insurance company looks at your country:

“A” Countries:

Andorra, Australia, Austria, Barbados, Belgium, Bermuda, British Virgin Islands, Canada, Cayman Islands, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland,  Israel (excluding West Bank), Gaza & Golan Heights, Italy, Japan, Korean, Liechtenstein, Luxembourg, Macau, Malta, Monaco, Netherlands, New Zealand, Norway, Qatar, San Marino, Singapore, Slovak Republic (Slovakia), Slovenia, Spain, Sweden, Switzerland, Taiwan, United Arab Emirates, United Kingdom.

“B” Countries:

Albania, Anguilla, Antigua & Barbuda, Argentina, Bahamas, Bosnia & Herzegovina, Brazil, Brunei Darussalam, Bulgaria, Canary Islands, Chile, China, Costa Rica, Croatia, Dominica, Estonia, French Polynesia, Guadeloupe, Kuwait, Latvia, Lithuania, Macedonia, Malaysia, Martinique, Mauritius, Mexico, Montenegro, Oman, Panama, Romania, Seychelles, Turks and Caicos, Uruguay.

“C” Countries:

Armenia, Belarus, Belize, China, Cook Islands, Dominican Republic, Ecuador, El Salvador, Grenada, Jamaica, Kazakhstan, Maldives, Micronesia, New Caledonia, Northern Mariana Islands, Palau, Paraguay, Russia, Samoa, Saudi Arabia, Serbia, Sri Lanka, St. Kitts and Nevis, St. Lucia, St. Vincent & The Grenadines, Tonga, Trinidad & Tobago, Turkey, Venezuela, Vietnam.

If your country isn’t in this list, it doesn’t mean you can’t be approved. Contact us and we can work on your specific case.








Life Insurance with a Visa

As a general rule, if you work or live in the U.S., you will be able to get life insurance. Moreover, here is a list of some of the Visas that will be approved quite easily: E-1, E-2, H-1B, H-1C, H-4, K-1, K- 3, L-1, L-2, O-1, O-3, TN and V-1. Also, if you have a different type of insurance contact us.

However, the types of insurance that you will be able to purchase may be restricted.  Because all the previous variables we have listed like country, Visa type, immigration status, influence what types of life insurance a company will offer to you. The three most common types of insurance that are available through many different companies are:

1) Term: affordable insurance that will last for a period of time.

2) Whole Life: Permanent coverage that will never expire, and builds cash value.

3) Universal: Designed to last for ever, imagine it like a blend between term and whole life.

As you can see there are many variables that come into play for non U.S. citizens, but they are not that hard to navigate if you have the help of an agent with experience.

Please leave a comment if you have questions, or fill out our contact for and an agent can help you get life insurance in the U.S. as a non U.S. citizen.