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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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

U.S. Life Insurance Coverage for Non-U.S. Citizen

It is possible for a Non-U.S. citizen to receive life insurance coverage from American life insurance companies with Top Quote Life Insurance. We understand the unique estate and tax planning needs you require and we know how to utilize life insurance to protect you and your family’s assets.

If you have ties in the U.S., then you may qualify for a U.S. life insurance policy as a non U.S. citizen.

For additional information on U.S. life insurance please be sure to visit, foreign national and non-resident life insurance.

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

Table of Contents

Are you a candidate for U.S. Life Insurance?

If you fall within one or more of the following categories, you are considered an ideal candidate for U.S. life insurance coverage.

  • Non-Resident Alien who owns U.S. assets
  • U.S. assets that are subject to U.S. estate taxes
  • Professionals who spend time in the U.S. for business
  • Non-Resident Aliens married to U.S. citizens

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Who is considered a Non-U.S. Resident?

(Citizenship is not a determining factor in defining a non-U.S. resident.)

  • An individual who spends more than 3 months in one calendar year outside the U.S
  • An individual who visits the U.S. for business or pleasure, but their permanent residence is not located in the U.S. (This also includes a U.S. citizen who may have moved outside of the U.S. to another country but temporarily returns back to visit.)
  • May reside in the U.S. for a limited time period. (This would include students, an individual here on business, or for educational training.
  • An individual who resides in the U.S. part-time only, but has a permanent residence outside the U.S.

Tax concerns facing residents and non-resident aliens

Unfortunately, many Non U.S. citizens are unaware of the U.S. tax laws associated with their U.S. assets. Without proper planning, the value of your assets can be in jeopardy.

A spouse of either a Non-Resident or Resident Alien is not entitled to unlimited marital deductions. Assets transferred to a non-U.S. citizen spouse could be subject to large U.S. gift or estate taxes.

Non Resident Aliens are subjected to U.S. estate liability taxes if they own U.S. property. The max of $60,000 may be exempt from U.S. estate taxes resulting in a significant tax balance owed.

Resident Aliens with a high net worth over $20,000,000 could face expatriation taxes if they are no longer U.S. Residents.

Finding a solution with U.S. Life Insurance

With proper planning, a U.S. life insurance policy can provide solutions to the big tax and estate concerns facing Resident and Non-Resident Aliens. A life insurance policy will help provide:

  • Immediate funds to pay for U.S. estate taxes
  • Keep your U.S. assets in the family
  • Protect the full value of an estate
  • Funds to preserve the standard of living of surviving spouse

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U.S. Life Insurance Policy

  • Up to $20,000,000 in issued life insurance coverage
  • Issue ages from 18-75 (76+ individual consideration)
  • Death benefit is generally tax-free
  • Tax-free cash values

Coverage Options Available

Now that you see the importance of how a life insurance policy can benefit you and your family, you will need to determine what type of policy will protect your hard-earned assets.

Both term and permanent life insurance options are available, however, most life insurance companies require you to purchase a minimum of $250,000 of coverage.

Application Process

The process for applying for U.S. life insurance is not a difficult task but it does take some time depending on the individual. Generally expect the process to take 1-2 months.

The application and delivery of the final policy must occur while in the U.S. Documents and medical records must be translated into English.

Depending on the amount of life insurance coverage being requested, a financial inspection report may be required. A copy of your green card or visa will need to be submitted with the application.

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Underwriting

Medical Exam: A medical exam will be provided by the life insurance company being applied for. The medical exam must be completed while in the U.S.

Medical Records: The life insurance company will require a copy of your medical records. It is very important that you have a well documented medical history.

Eligibility

In order to be eligible for U.S. life insurance coverage, you must have some type of tie to the U.S. This may include either a bank account, brokerage account, own real estate, or own a personal business.

Any of the listed U.S. ties must have been owned at a minimum of 1 year prior to applying for coverage. You are also eligible if you have a family living in the U.S.

Restrictions to Coverage

Unfortunately, not everyone will qualify for U.S. life insurance coverage. Below is a list of restrictions that will disqualify you for applying for U.S. life insurance coverage. Residing in certain countries could also disqualify you from coverage.

  • Certain job professions and entities
  • If you have no meaningful connection to the U.S.
  • Any country on the United States State Department travel warning list
  • Any country at war or in conflict
  • Any country at risk of terrorism, uprising, or political instability
  • Any country experiencing a famine, endemic, epidemic, or pandemic disease
  • A country with non-existent or limited medical care

Most importantly, not all countries will qualify for U.S. life insurance coverage. It is very important that you contact Top Quote Life Insurance by either telephone or email to confirm that your country is on the qualifying list for U.S. life insurance coverage.

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How to Apply for a U.S. Life Insurance Policy

Applying for Non-U.S. citizen life insurance coverage is not a difficult task when you work with Top Quote Life Insurance.

We understand the life insurance coverage you need and work with the best life insurance companies that specialize in Non-U.S. citizen life insurance coverage.

For a U.S. life insurance quote please include the following:

  • Email
  • Country of Residency
  • Date of Birth
  • Gender
  • Any Health Issues
  • Term or Permanent
  • Amount of Coverage

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