Life Insurance For Non-US Citizens

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Who Can Get Life Insurance in the US?

  • Non-US Citizens: Eligible but may face stricter scrutiny and requirements.
  • Foreign Nationals: Can apply; policies and acceptance vary based on country of residence.
  • Green Card Holders: Generally treated similarly to US citizens for insurance purposes.
  • Immigrants: Eligibility depends on visa status, length of stay, and other factors.
Life Insurance For Non Us Citizens

Key Factors Affecting Eligibility and Rates

  1. Residency and Visa Status: Type and duration of visa or residency status impact eligibility.
  2. Health and Age: Standard factors in determining rates and approval.
  3. Travel Plans: Frequent travel to high-risk countries can affect eligibility.
  4. Financial Ties to the US: Strong financial connections to the US are favorable.
  5. Legal and Tax Considerations: Compliance with US laws and tax obligations is crucial.

Types of Life Insurance Available

How to Apply for Life Insurance as a Non-US Citizen

  1. Consult an Insurance Agent: Specializes in policies for non-citizens.
  2. Gather Necessary Documents: Visa, green card, financial records, etc.
  3. Undergo a Medical Exam: If required by the policy.
  4. Complete Application Process: Including any additional paperwork for non-citizens.
Life Insurance For Non Us Residents

Comparison of Life Insurance Options for Different Statuses

StatusTerm LifeWhole LifeUniversal LifeAdditional Requirements
Non-US CitizenYesYesYesVisa, residency proof
Foreign NationalVariesVariesVariesCountry-specific conditions
Green Card HolderYesYesYesSimilar to US citizens
Immigrant (Visa)YesYesYesVisa type, length of stay


Selecting the right life insurance as a non-US citizen, foreign national, green card holder, or immigrant involves understanding various factors like residency status, health, and legal requirements. Consult an insurance agent to navigate this complex process. This guide provides a basic understanding to help you make an informed decision. Contact us today for a free quote.

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Frequently Asked Questions

Is it possible to get life insurance for my spouse, who is not a U.S. citizen?

If you are a U.S. citizen and want to buy life insurance for your non-U.S.-citizen spouse, the rules are the same as if they were buying it themselves. They will need a Social Security number to do this. A green card or valid visa is also generally required by insurance providers.

Can life insurance be obtained while a student is in the United States?

Most insurance companies will not provide coverage if you have a student visa that only lasts for your studies. However, a few companies are more flexible and will provide coverage if you have a Social Security number and plan to stay permanently in the United States.

Can a non-U.S. citizen have life insurance?

Non-U.S. citizens with valid green cards or certain visas are eligible to acquire life insurance! However, working with an experienced broker offering access to multiple life insurance providers is essential to guarantee the best coverage for your unique situation and needs.

Who can be denied life insurance?

Denial of life insurance coverage is usually due to a pre-existing medical condition, unfavorable test results from the exam, or other non-medical factors like bankruptcy history, criminal records, drug use, and potentially hazardous hobbies. Understandably so – these can all be substantial risk factors for insurers.

Can a non-U.S. citizen be my beneficiary?

Absolutely! When a non-American citizen is named as the beneficiary, any proceeds from the policy are received tax-free in the United States – making this an ideal situation for everyone involved.

Can you get life insurance without SSN?

In almost all cases, providing an SSN is required. However, certain insurers will accept an Individual Taxpayer Identification Number in its place. Additionally, a driver’s license or state-issued form of identification must be included with the application; otherwise, your request may be denied.

Can you get health insurance in the U.S. without an SSN?

The answer is yes! Those applying for health coverage will need to provide an SSN if they have one, as well as any tax filer’s SSN who isn’t submitting their application. This helps verify that the household qualifies for assistance with paying for health coverage.

Can I get life insurance with tax I.D.?

Yes, you can get life insurance with a tax I.D.! Companies are happy to provide coverage even if you have an ITIN. It’s just as legitimate as any other form of identification; it makes no difference when obtaining coverage.

My mother has a US tourist visa. Can she get health insurance here in the US?

US health insurance is not available for someone on a tourist visa. However, she can purchase travel medical insurance and be covered that way.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost if you purchase a policy. It helps us keep the lights on!

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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