Can You Get Life Insurance If You Live Out Of State?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding State Regulations

State regulations significantly impact purchasing life insurance. Each state has unique rules that influence policy types, approval requirements, and application processes. It’s essential to understand the regulations in both your current state and the state where you want to buy the insurance.

Buying Life Insurance Out of State

You can buy life insurance if you live out of state, but there are a few important considerations to keep in mind. The process involves several steps to ensure compliance with both state laws and insurance company policies. Here’s what you need to know:

Policy Issuance and Residency

Insurance companies typically require the policy to be issued in the state where the application was signed. This means you might need to physically be in the state where you are purchasing the policy at the time of application. Some insurers might allow remote applications, but this varies by company.

Key Considerations

  1. Application Location: Policies are typically issued in the state where the application is signed. If you’re signing out of state, the application must reflect this.
  2. Agent Licensing: Ensure your insurance agent is licensed in both your resident state and the state where you’re applying.
  3. Explanation Letter: Although not always required, an explanation letter for signing out of state can be helpful.

Special Case – New York

New York has strict regulations. Non-residents cannot sign applications in New York, and residents need a detailed reason for signing out of state.

Get Life Insurance Out Of State

Steps to Obtain Life Insurance Out of State

Research Insurance Providers

Start by researching insurance providers licensed in both your current state of residence and the state where you wish to purchase the policy. Look for reputable companies with good financial stability and customer reviews.

Consult with an Insurance Agent

Working with an insurance agent licensed in both states can simplify the process. They can guide you through the application process, ensure compliance with state regulations, and help you find the best policy for your needs.

Understand the Policy Terms

Carefully review the policy terms and conditions. Pay attention to any clauses or stipulations that might be affected by state regulations. Ensure the policy provides the coverage you need and that you fully understand any exclusions or limitations.

Benefits and Drawbacks


  • Flexibility: Purchasing life insurance out of state can provide access to a wider range of policies and potentially better rates.
  • Portability: A policy purchased out of state remains valid even if you move, providing continuous coverage.


  • Regulatory Differences: Navigating different state regulations can be complex and time-consuming.
  • Additional Steps: The process may involve extra steps, such as traveling to the state where the policy is being purchased.

How We Can Help

At The Annuity Expert, we understand the complexities of purchasing life insurance out of state. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we are committed to finding the best solutions at the lowest costs. We recognize your challenges and emotional stress when dealing with different state regulations and policy options.

We believe in making the process as straightforward and stress-free as possible for you. Our goal is to help you navigate the complexities of state regulations and find the best policy that meets your needs. We stand for providing personalized, detailed guidance to ensure you feel valued and special.

What We Recommend

To achieve the best results in securing life insurance, follow these steps:

  1. Contact Us for an Initial Consultation: This first step involves a detailed discussion about your specific needs and preferences. We gather essential information during this consultation to understand your situation and provide personalized advice. The main benefit is a clear understanding of your options and the best way forward.
  2. Customized Policy Research and Recommendations: Based on the information from the initial consultation, we research and recommend the best policies for your needs. We ensure these policies comply with state regulations and offer the coverage you require. The main benefit is receiving tailored options that save you time and effort.
  3. Guidance Through the Application Process: We guide you through the entire application process, ensuring all steps are completed accurately and efficiently. This includes addressing any state-specific requirements and helping you with documentation. The main benefit is a smooth, hassle-free application process, resulting in the best policy for your needs.

Features and Benefits

  • Personalized Advice: Tailored guidance that meets your unique needs.
  • Expert Research: In-depth analysis of policy options to find the best fit.
  • Application Support: Assistance through the application process to ensure compliance and accuracy.
  • Ongoing Support: Continuous support and advice even after policy issuance.

By working with us, you avoid the complexities and stress of navigating state regulations on your own. You gain peace of mind knowing you have experts on your side, ensuring you get the best policy at the best rates. The positive outcomes include feeling secure about your future and confident in your decisions. Contact us today for free advice or a quote.

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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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