Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Yes, but not all companies will underwrite a foriegn national. Your citizenship status should be one of the things you provide the agent who is doing the footwork for you. Some carriers only underwrite US citizens, some only Canadian and US citizens and some will underwrite just about anyone without a problem.
Co-Founder, Coastal Financial Partners Group, California
Yes, non US citizens who are lawful permanent US residents (green card) or on certain visa types with a demonstrable life insurance need and generating earned income here is one way that will work most insurers though there may be limitations e.g. no term.
Some insurers have developed foreign national programs that can also work in situations where established US interests and ties exist plus meeting some additional criteria. Citizens of some countries may not be eligible.
It can be a complex area of field underwriting - so much so that our firm has developed a special questionnaire to help determine the best path. Be sure to work with a life insurance professional with experience in this area.
Yes, a non US citizen can get life insurance with many American companies. It is up to the discretion of each company as to what type of citizenship or residency they will accept. A green card is usually OK, and many companies will accept a work visa as qualification for applying for life insurance in the US. Getting life insurance in the US as a non US citizen, however, almost always requires having a residence in the United States.
President, Lane Independent Agency, Southern California
Yes. There is absolutely no requirement that a person be a citizen to buy life insurance. Each company makes its own decisions on requirements, but citizenship is not one of them. So long as you are in the country legally, you can buy life insurance. Different ID's are required by different carriers, but rest assured that if your age and health warrant it, you can buy life insurance on yourself here in the USA. Love to help. Thank you. GARY LANE.
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Some insurers have developed foreign national programs that can also work in situations where established US interests and ties exist plus meeting some additional criteria. Citizens of some countries may not be eligible.
It can be a complex area of field underwriting - so much so that our firm has developed a special questionnaire to help determine the best path. Be sure to work with a life insurance professional with experience in this area.