Foreign Nationals

Foreign National Life Insurance: Coverage Designed for Global Clients

Customized Life Insurance for Immigrants & Foreign Nationals

Our Foreign National Program is tailored specifically for foreign nationals—immigrants, visa holders, green card holders, and non-resident aliens—with significant ties to the U.S. Through this program, clients can access term, universal, and permanent life insurance products often available only to U.S. citizens. Eligibility hinges on key factors including immigration status, U.S. financial connections, length of U.S. residence, and legal documentation like visas or green cards.

Applicants must complete the application, medical exam, and policy delivery in the U.S., maintain a U.S. address, bank account, and provide documentation such as SSN or ITIN. Residency requirements vary—some carriers require individuals to spend as much as 10 months per year in the U.S., while others accept shorter durations with established financial presence or property ownership

Expert Underwriting & National Carrier Support

Our program stands out by navigating the complexities that foreign nationals face in underwriting and eligibility. Carriers often classify applicants based on country of citizenship—class A and B countries may qualify for best available risk classes, while other countries may be subject to higher underwriting scrutiny or restrictions. We work with seasoned underwriting teams familiar with international documentation and global client needs.

Advisors in this program receive support in structuring coverage amounts that reflect U.S. assets, income levels, and estate planning goals. Specialized tools guide appropriate product selection—whether term, IUL, or whole life—and ensure clients meet key financial thresholds, such as minimum U.S. assets or tax liabilities. This approach allows advisors to best serve global clients while helping them secure legacy, liquidity, and long-term protection in U.S. dollar terms.