Can Non-U.S. Citizens Buy Life Insurance in the U.S.?

Shawn Plummer

CEO, The Annuity Expert


Yes, non-U.S. citizens can purchase life insurance in the United States. However, the availability and terms of policies might vary based on your residency status and other factors.

Eligibility for Non-U.S. Citizens

  • Foreign Nationals: People who reside outside the U.S. but maintain ties can be eligible.
  • Green Card Holders: Permanent residents have broader options.
  • Visa Holders: Depending on the visa type, options may be available but limited.

Key Considerations

  1. Residency Status: Affects the types of policies available and the underwriting process.
  2. Health: Medical exams are often required and can impact policy terms.
  3. Legal Requirements: Understanding U.S. laws and how they apply to non-citizens is crucial.

Process for Non-U.S. Citizens

  • Application: Must be completed while in the U.S.
  • Medical Exam: Also needs to be done in the U.S.
  • Policy Delivery: Policies are typically delivered within the U.S.

Seeking Professional Guidance

Consulting with an insurance agent experienced in dealing with non-U.S. citizens is highly recommended. They can help navigate:

  • Complex regulations
  • Differences in policy offerings
  • Underwriting processes

Insurance Options for Non-U.S. Citizens

Residency StatusAvailable PoliciesRequired Documentation
Non-Resident AlienLimited OptionsVisa, Passport
Green Card HolderBroad SelectionGreen Card, SSN
Temporary Visa HolderVariesVisa, Employment Proof


Selecting the right life insurance in the U.S. as a non-citizen involves understanding your residency status, health, and the legal framework. Professional guidance is key to navigating this process efficiently. 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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