Can a Non-U.S. Citizen Get Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Yes, non-U.S. citizens can obtain life insurance, but specific conditions apply:

  1. Residency Requirement: Must have resided in the U.S. for at least 12 months.
  2. No Immediate Plans to Leave: Should not have plans to return to their home country soon.
  3. Documentation: Some insurers may require proof of residency or other documentation, though this is not universal.
  4. Limited Company Options: Not all insurance companies offer policies to non-citizens, so comparison shopping is essential.
  5. No Restrictions on Policy Types: There are generally no limitations on the types of insurance policies available to non-citizens.

Key Considerations for Non-Citizens Seeking Life Insurance

  • Eligibility and Underwriting: Insurance companies have different underwriting criteria. Some might be more accommodating to non-citizens than others.
  • Policy Premiums: Premiums may vary based on the applicant’s residency status and other factors.
  • Coverage Scope: The extent of coverage and the terms can differ, so it’s important to understand the specifics of each policy.

Life Insurance Options for Non-U.S. Citizens

Insurance TypeAvailable to Non-CitizensSpecial ConditionsTypical Documentation Required
Term LifeYesResidency PeriodProof of Residency
Whole LifeYesNo Plans to LeaveVisa, Employment Records
Universal LifeYesUnderwriting CriteriaNone (Varies by Company)


Non-U.S. citizens can indeed secure life insurance in the United States, although they face certain restrictions and may need to provide additional documentation. It’s advisable to explore options from various insurance providers to find the most suitable coverage. Remember, every situation is unique, so it’s important to thoroughly research and understand the specific terms and conditions of each policy. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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