Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 26, 2021

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The Brief

  • Residency status determines life insurance eligibility
  • The U.S. government restricts eligibility to certain countries
  • Non-U.S. citizens require certain documents to obtain life insurance

Most non-U.S. citizens interested in buying term life or permanent life insurance can find coverage. However, eligibility largely depends on residency status, and citizens of some countries can’t obtain coverage.

Learning about life insurance companies that specialize in non-U.S. citizen life insurance coverage will help you determine if you can find approval.

Before learning about life insurance companies that specialize in non-U.S. citizen life insurance coverage, enter your ZIP code to get free life insurance quotes in your area.

What rates are available from life insurance companies that specialize in non-U.S. citizen life insurance coverage?

Examining sample life insurance rates will help you determine if you can find affordable life insurance companies that specialize in non-U.S. citizen life insurance coverage.

The following charts show the average monthly 20-year term life policy rates for men.

Average Monthly 20-Year Term Life Insurance Rates for Males From Life Insurance Companies That Specialize in Non-U.S. Citizen Life Insurance Coverage Based on Age, Gender, and Amount of Coverage
Term Life Insurance Policyholder AgeAverage $100,000 Term Life Insurance Monthly RatesAverage $250,000 Term Life Insurance Monthly RatesAverage $500,000 Term Life Insurance Monthly Rates
25$14.53$23.27$34.79
35$17.57$26.09$40.04
45$26.54 $45.47$79.19
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The following chart shows the same information for women.

Average Monthly 20-Year Term Life Insurance Rates for Females From Life Insurance Companies That Specialize in Non-U.S. Citizen Life Insurance Coverage Based on Age, Gender, and Amount of Coverage
Term Life Insurance Policyholder AgeAverage $100,000 Term Life Insurance Monthly RatesAverage $250,000 Term Life Insurance Monthly RatesAverage $500,000 Term Life Insurance Monthly Rates
25$12.70$18.72$27.39
35$15.40 $22.19$32.19
45$22.97$37.42$66.14
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As you can see, life insurance rates for women are lower than the rates for men, and rates increase as customers age.

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How is eligibility determined by life insurance companies that specialize in non-U.S. citizen life insurance coverage?

Most life insurance companies offer coverage to domestic and foreign citizens. However, there are some life insurance companies that don’t specialize in non-U.S. citizen life insurance coverage.

You can narrow down your choices by asking the companies if they offer policies to non-U.S. citizens.

Once you determine the companies that offer this coverage, you’ll need to choose between them. The Insurance Information Institute provides some tips on finding the right life insurance company.

When looking for quotes from life insurance companies that specialize in non-U.S. citizen life insurance coverage, you’ll find that they use multiple criteria when determining eligibility. This criteria includes:

  • ID type
  • Residency
  • Home country

Here’s some more information on the three criteria used to determine life insurance eligibility for non-U.S. citizens.

ID Type

There are three types of residency that allow a foreign citizen to reside in the United States. A green card is for permanent residents without citizenship, a visa is for temporary residents, and a student visa is for those attending American schools.

Green card holders will find it easiest to obtain coverage. Life insurance for H-1B visa holders is a little more complicated, as you must take additional steps.

Students are in the country for a limited time, so this is the most challenging classification for getting coverage.

Residency

When applying for life insurance, companies will attempt to determine if you have maintained a substantial presence in the country.

To have a substantial presence, most companies will require that you’ve been a U.S. resident for at least one year.

Some companies are more strict and might require five years of residency. When considering companies, you should ask about their residency requirements.

Regardless of the company, living in the country for less than a year will result in a classification of non-resident and limited coverage options.

Home Country

The home country of an applicant can impact rates from life insurance companies that specialize in non-U.S. citizen life insurance coverage.

This is because companies base eligibility and rates on risk and consider some countries riskier than others.

Even if a country isn’t dangerous, the U.S. State Department excludes select countries. For example, life insurance companies can’t provide coverage to citizens of North Korea, Iran, or Syria.

Life insurance for undocumented immigrants is also obtainable if you fall under that category of residency. Insurers won’t ask about your citizenship status, but do require that you maintain a U.S. residential address and bank account.

The same companies that provide coverage to non-U.S. residents offer life insurance for U.S. citizens living abroad. If you buy a policy before moving, your coverage and rates will remain the same.

However, trying to buy after you leave the country could result in denial of coverage.

Enter your ZIP code to get quotes from life insurance companies that specialize in non-U.S. citizen life insurance coverage.

What do you need to apply with life insurance companies that specialize in non-U.S. citizen life insurance coverage?

Life insurance companies require certain documents from non-U.S. citizens. Before receiving acceptance for coverage, you must provide documentation, including:

  • Copy of residential status – You’ll need a copy of your green card, H-1B visa, or student visa.
  • Foreign national questionnaire – Life insurance companies will provide a questionnaire inquiring about your basic information, including health, employment status, and travel history.
  • Identification number – You’ll need to provide your Social Security number or individual taxpayer identification number.
  • State-specific documentation – Certain states require additional documentation to confirm residency.

Gathering these documents before applying for coverage will allow for quicker acceptance.

Life Insurance Companies That Specialize in Non-U.S. Citizen Life Insurance Coverage: The Bottom Line

Life insurance is available for non-U.S. citizens that reside within the United States. Green card holders have the easiest time finding coverage, and eligibility depends on your residency status.

Learning about life insurance companies that specialize in non-U.S. citizen life insurance coverage will help you discover if you qualify.

Now that you know about life insurance companies that specialize in non-U.S. citizen life insurance coverage, enter your ZIP code to find free life insurance rates in your area.