Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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If you are a non U.S. citizen, foreign national or a non U.S. resident interested in purchasing a U.S. life insurance policy, Top Quote Life Insurance can help you. U.S. life insurance for foreign nationals and non U.S. residents is becoming increasingly popular due to the unique coverage options and very affordable premiums.

Applying for a U.S. life insurance as a foreign national or non U.S. resident is not difficult, but does require working with an agent. The online instant life insurance quote form will not help, as insurance companies will underwrite you based several factors with the biggest being what country you permanently reside in.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Table of Contents

Two Requirement for U.S. Life Insurance for Foreign Nationals or Non U.S. Residents

When considering the purchase of a U.S. life insurance policy, you will be required to meet underwriting guidelines to determine your eligibility to apply for coverage.  The two following guidelines are the most important in determining if we can continue with submitting an application to the life insurance company.

These two requirements must be met prior to submitting any U.S. life insurance application:

  • What are your relationship or ties to the U.S.
  • The application and exam must be done here in the U.S.

 

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What is your Relationship to the U.S.?

The first and most important eligibility guideline to apply for a U.S. life insurance policy is your relationship to the U.S. In order to be eligible, you must have a qualifying relationship to the U.S. Most foreign nationals and non U.S. residents that we work with qualify as:

  • Business owners, corporate executives or high net worth individuals who conduct business in the U.S.
  • Owners of U.S. property or U.S. assets that are subject to estate taxes
  • Individuals who are here for work for a period of time. These may be educators, engineers, medical professionals, technicians etc.
  • Spouse of a U.S. citizen

If you fall within one of these four qualifying relationships with the U.S., we are off to a good start for qualifying for a U.S. life insurance policy.

 

Are you Currently in the U.S. or Visiting Soon?

The second requirement when applying for a U.S. life insurance policy for foreign nationals or non U.S. residents is the life insurance application, medical exam and delivery of the policy all must be completed while you are in the U.S.

NOTE: The typical underwriting time for a U.S. life insurance policy can take anywhere from 4-8 weeks depending on the individual applying.

Some of the life insurance companies that we work with will allow for you to sign a limited power of attorney (POA).  A limited POA will allow us to deliver your life insurance policy to your designated POA who can sign forms on your behalf if you have returned to your country of residency. After we have delivered your policy to your POA, they may mail the policy to you.

    

What to Expect when Applying for U.S. Life Insurance

In addition to the life insurance application and medical exam that is provided by the insurance company, there are additional underwriting requirements that will be required.

COVERAGE AMOUNT: Most life insurance companies require a minimum coverage amount of $250,000 when applying for U.S. life insurance as a foreign national or non-resident. The maximum amount of coverage can range from $5,000,000 – $1,000,000,000 depending on the life insurance company.

FINANCIALS DETAILS: If applying for coverage amounts greater than $1,000,000 the life insurance company will require additional details pertaining to your financials. This is generally required to justify the life insurance amount being applied for.

FOREIGN TRAVEL: In addition to traveling from your home country to the U.S., the life insurance company will require you to complete a travel questionnaire. Traveling to other countries that are not prohibited by the U.S. can lead to a decline of your request for life insurance.   

MEDICAL RECORDS: Depending on your responses to the medical question on your insurance exam, the life insurance company may need to order medical records from your doctor.If records are required, it can slow the approval process. To avoid any lengthy delays we may require your assistance in contacting your doctor’s office to help speed up the request.

HOW YOU PAY: U.S. life insurance companies require that premiums are paid in U.S. currency generally from a U.S. bank account.  

TYPES OF VISA OR GREEN CARD: A copy of your Visa or Green Card will be required at the time of the application. Along with a copy of your Visa most applicants will also be required to provide a copy of their I94.

ACCEPTABLE VISA’S: EB-5, EAD, B1, B2, C1, C1d, C-2, C-4, D-1, D-2, E-1, E-2, F-1, F-2, G-1, G-2, G-3, G-4, G-5, H1B, H1C, H2A, H2B, H3, H4, J-1, J-2, K-1, K-2, K-3, K-4, L-1A, L1b, L-2, M-1, M-2, NATO, O-1, O-2, O-3, P1-P4, Q-1, Q-2, Q-3, R-1, R-2, TN, TD, V-1, V-2, V-3

VISA’S CONSIDERED CASE BY CASE: A-1, A-2, A-3, C-3, I, S-5, S-6, T1-T4, U1 – U4,

VISA’S NOT ACCEPTABLE: TPS, TWOV

 

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Types of Available Life Insurance Coverage

Most life insurance coverage options that are available to U.S. residents are also available to foreign nationals and non U.S. residents.

TERM LIFE INSURANCE: Fixed premium for 10, 15, 20, 25 or 30 years. After the fixed premium length you can elect to reapply for new coverage or continue paying on the current policy, but at a much more expensive rate.

ROP TERM LIFE INSURANCE: ROP or return of premium term life insurance has all the same feature as regular term insurance but guarantees a full refund of all premiums at the end of the term contract. ROP life insurance generally comes in fixed premium lengths of 20 or 30 years.

UNIVERSAL LIFE INSURANCE: Fixed premium permanent life insurance. More expensive than term, but will never require you to re-apply as it will last forever.

WHOLE LIFE INSURANCE: Similar to universal life insurance as it is also permanent insurance with a fixed premium. This life insurance is the most expensive but has the potential to build up cash.

 

What Happens When you Pass Away?

One of the biggest questions we get from our foreign national and non U.S. resident clients is…

“What happens if I pass away outside the U.S.? Will my beneficiary receive the death benefit?”

The answer is yes the life insurance death benefit will be paid to your beneficiary. Life insurance companies that underwrite and approve life insurance for foreign nationals or non U.S. residents do not set restrictions to citizenship or residence regardless of where death occurs.  As long as the life insurance coverage is active at the time of death, the death benefit will be paid.

NOTE: If death occurs we urge or clients to have their beneficiary contact us, so we can help them with the claims process. Your beneficiary may also go directly to the life insurance company to process a claim, but we are here to help as well.

 

Countries that are Eligible for U.S. Life Insurance as a Foreign National or Non U.S. Resident

Unfortunately not every county will be eligible for U.S. life insurance coverage. Therefore it is very important that you contact us with your permanent country of residence if considering a U.S. life insurance policy as a foreign national or non U.S. resident.

SOME ELIGIBLE COUNTRIES: American Samoa, Anegada, Antigua, Australia, Bahamas, Belgium, Belize, Bolivia, Brunei, Canada, Chile, China, Colombia, Costa Rica, Curacao, Dominican Republic, Ecuador, El Salvador, England, Germany, Greece, Guam, Guatemala, Hong Kong, India, Java, Israel (Excluding Gaza-West Bank), Italy, Jamaica, Jordan, Kuwait, Luxembourg, Malaysia, Malta, Mariana Islands, Mauritius, Mexico, Namibia, New Zealand, Northern Ireland, Oman, Panama, Peru, Philippines (Luzon), Poland, Puerto Rico, Qatar, Russia, Scotland, Singapore, South Africa, South Korea, Taiwan, Thailand, Turkey, United Kingdom, Uruguay, Virgin Islands, Vietnam, Wales,

NOTE: If your country is not on the above list, we still encourage you to contact us with your country of residence.

 

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Disqualifications for U.S. Life Insurance Coverage

Unfortunately, there are circumstances in which you may not qualify for a U.S. life insurance policy. Below is a list of common disqualifications for obtaining U.S. life insurance policy foreign nationals and non U.S. residents:

  • No qualifying relationship with the U.S.
  • No plans to visit the U.S.
  • Certain occupations
  • Countries that are listed on the United States State Department travel warning list
  • A country that is at war
  • A country that is at risk of political instability, terrorism or uprising
  • A country experiencing a famine, endemic, epidemic or pandemic disease
  • A country with non-existent or limited medical care

 

Whats the Best way to get a U.S. Life Insurance Quote?

Top Quote Life Insurance specializes in obtaining life insurance for foreign nationals and non U.S. residents. We work with several top rated U.S. life insurance companies that underwrite international life insurance coverage.

Since international underwriting varies from each life insurance company we need as much detail about you and your life insurance request. Providing us with this information will help us fit you with the best company for coverage and price.

Tell us about your request:

  • Country of Residency
  • Are you or will you be in the U.S.?
  • Occupation
  • Type of Visa
  • Date of Birth
  • Gender
  • Any Health Issues
  • Term or Permanent
  • Amount of Coverage

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