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:
- 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.
- 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.
- 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.
- 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.
- Wait 6-8 weeks for an approval.
- 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.
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:
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.
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.
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.