Can You Get Life Insurance Out of State?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Can You Get Life Insurance Out of State?

Yes, you can get life insurance out of state, but there are important considerations:

  1. Application State: The state of the application is determined by where the policy owner signs it. If you’re not the owner, the owner’s location is key.
  2. Agent Licensing: Ensure your agent is licensed in the state where the application is signed. For instance, The Annuity Expert agents are licensed in all 50 states.
  3. Explanation Letter: While not always required, providing a cover letter explaining why you’re signing in a different state than your residence can be beneficial.

Special Case – New York: New York has unique regulations. Non-residents cannot sign an application in New York, and New York residents need a detailed reason for signing out of state.


  • A resident of California who is temporarily in Texas can apply for life insurance in Texas, but should ensure the agent is licensed there.
  • A New York resident must provide a detailed reason if signing in another state, like if they are there for an extended business trip.

State-Specific Life Insurance Considerations

StateResident ApplicationNon-Resident ApplicationSpecial Notes
NYMust explain signing out of stateNot allowed for non-residentsStringent rules
Other StatesGenerally allowedGenerally allowedAgent licensing important


Acquiring life insurance out of state is feasible with careful attention to the application state, agent licensing, and, in some cases, providing a reason for signing out of your resident state. New York is an exception with strict rules. Ensure you follow these guidelines for a smooth process.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, 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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