First of all, if you are looking for life insurance for Chinese citizens, and all you want is a quote, then complete our contact form or leave us a comment. You can also schedule an free online consultation here: Schedule Meeting.

Are you a Chinese citizen? Are you looking for life insurance for you or some one you love?

Let me start by giving you the good news!  It’s going to be relatively easy to get life insurance. However, there will be a few requirements you will need to meet in order to apply.

Define why you need the life insurance

Before we get into it, let’s see why you want to have life insurance in the U.S.. Insurance companies will need to make sure that there is a purpose for the insurance. Here are a few good reasons to have life insurance in the U.S.:

  • Real-estate in the U.S.
  • Beneficiaries in the U.S.
  • Investments in the U.S.
  • Plan to live in the U.S. 
  • Pay Estate Taxes
  • Study in the U.S.

This is what insurance companies call insurable interest. Let’s say you do not match any of the previous reasons, then it will be hard for you to get life insurance in the U.S.. Now we need to determine who will qualify to get the coverage. Remember that you will need insurable interest under all circumstances.

Life Insurance for Chinese Citizens living in the U.S. with a Visa

The type of visa will determine how easy it is to get life insurance. In general, if you have lived in the U.S. for more than 2 years you will be able to get life insurance almost with no restrictions. Many top rated companies that will approve you.

However, if you have lived in the U.S. for less than 2 years, then your visa type will determine what you can get. Most work visas will give you many options. For shorter term visas and student visas you may be considered a foreign national. If this is the case then most companies will require you to be from urban china and not from rural china.

Life Insurance for Chinese Citizens with a Green Card

A green card will make the process very simple for you. You will be able to get any type of insurance from any company, so all your options will be open.

You can get Term, Whole Life, and Universal Life Insurance without any restrictions. In reality you will be treated like a United States citizen for life insurance purposes. You will have every single company to pick from. Companies like: MetLife, Prudential, Transamerica, etc.

On the other hand, if you are in the process of getting you green card, then most likely you will be treated like a citizen. Which is good for your rating and prices.

Life Insurance for Chinese Citizens living/residing outside of the U.S.

I have good news for you, you can still get life insurance. However, insurance companies will consider you a foreign national. Also, depending where you reside in China, it will be easier for you to get a better rating. Top Rated Life insurance companies prefer if you reside in urban China (e.g., Beijing, Chongqing, Guangzhou, Shanghai, Shenyang and Tianjin), rather than a rural China.

We know of two top rated companies that will take Chinese citizens that are foreign nationals.

Process of Applying

The process of applying doesn’t change. It doesn’t matter which of the previous examples you fit, you will need to do the same. Here are the steps to apply:

  1. Get a Quote
  2. Pick the best one
  3. Sign paperwork in the U.S.
  4. Take a medical exam (blood and urine) in the U.S.
  5. Wait from 4 to 8 weeks
  6. Pay for the life insurance
  7. Sign delivery requirements

You can see, the process is simple. What requires more work is the paperwork and documents. Here is a list of the documents you will need to provide:

  • Visa Copy
  • Passport Copy
  • U.S. Bank Statement
  • Medical History Report in English
  • Companies may ask for proof of income
  • Companies may ask for property deed

Final Word

In conclusion, it is not hard to apply and get life insurance for a Chinese citizen in the United States. There are certain requirements to meet, but most likely you will be able to get great insurance with top rated companies.

Feel free to contact us, or leave a comment if you have any questions.

We specialize in Life Insurance for Non U.S. Citizens!! 

Let us help you call: (888)522-4849

Schedule a free online consultation here: Set Meeting