You probably qualify
Work and treaty visa holders — H-1B, L-1, E, O, TN and more — can often get covered. You don’t have to be a citizen or hold a green card.
Who we serve · Visa holders
Life insurance for foreign nationals & visa holders
You’re building a life in the United States — your family deserves the same protection as anyone else’s. If you’re here on a visa, you can very likely get U.S. life insurance, and we’ll help you do it.
Why it matters
What life insurance does for foreign nationals
One of the most common myths we hear is that you have to be a U.S. citizen or green-card holder to buy life insurance here. You don’t. Foreign nationals on work and treaty visas — H-1B, L-1, E-1/E-2/E-3, O-1, TN, and others, along with many dependents — can often qualify for the same kinds of coverage as anyone else. Green-card holders generally have the easiest path, but a temporary visa is far from a dead end.
The catch is that eligibility, pricing, and the documents you’ll need vary a lot by carrier, your visa type, your time in the country, and sometimes your home country. That’s exactly where an independent agency earns its keep: we work with carriers who cover non-permanent residents, we know what each one looks for, and we match you to the ones most likely to approve your situation — instead of you applying blind and risking a decline. Our job is to help you land the right amount of coverage for your family, not the most expensive policy.
The case for owning your coverage
Why visa holders secure coverage now
Protect family here and abroad
Coverage can replace your income, clear a U.S. mortgage, and support your family — and your beneficiary can live in your home country.
Lock it in while you’re here
Applying during your U.S. assignment secures coverage at today’s age and health, and a policy you own stays yours.
An independent guide
Carrier rules differ by visa and country. We match you to carriers that accept your situation, so you’re not guessing.
Coverage that fits
Options worth comparing
Which options you qualify for depends on your visa, your time in the U.S., and the carrier — we’ll help you compare and apply with the right one.
Term life
The most accessible option for many visa holders — affordable coverage for your income-earning years in the U.S.
Learn more →Whole life
Permanent coverage that can last a lifetime and build cash value — available to many non-permanent residents who qualify.
Learn more →Mortgage protection
Bought a home on your visa? Coverage timed to your mortgage helps keep your family in it.
Learn more →On an H-1B?
See coverage details for H-1B holders — the most common visa situation we help with.
Learn more →Green-card holder?
Permanent residents have the widest access of any non-citizen — see what that means for you.
Learn more →Questions we hear
Foreign nationals life insurance FAQ
Can I get U.S. life insurance on a work visa like H-1B or L-1?
In many cases, yes. Foreign nationals on work and treaty visas — including H-1B, L-1, E-1/E-2/E-3, O-1, and TN — can often qualify for U.S. life insurance; you do not have to be a citizen or green-card holder. The specific rules are set by each carrier and depend on your visa, time in the country, and other factors, so we help you find a carrier that fits and apply with confidence.
What documents do I need to apply?
Requirements vary by carrier, but you’ll typically need a valid passport and current visa, a Social Security number or ITIN, a U.S. address, and often a U.S. bank account for premiums. Carriers also generally want to see real ties to the U.S. — such as employment or time in the country — and most coverage involves standard medical underwriting. We’ll tell you exactly what your best-fit carrier expects before you apply.
Can my family in another country be the beneficiary?
Generally, yes — your beneficiary can live outside the United States. Keep in mind that benefits are often paid to a U.S. bank account, and cross-border situations can have tax implications for your beneficiary. We’ll walk through how to set this up sensibly, and we’d always suggest confirming tax questions with a professional.
What happens to my policy if I leave the U.S.?
A life insurance policy you own generally stays in force as long as you keep paying the premiums, even if your plans change. Some policies do carry conditions tied to living in the U.S., which is one more reason to choose carefully up front. We help you pick coverage that fits where your life is actually headed.
Do you give immigration or tax advice?
No. We’re an independent life insurance agency — not an immigration or tax practice — and nothing here is immigration, tax, or legal advice. We are not affiliated with USCIS or any government agency. We place the coverage and are glad to work alongside your own attorney or tax professional.
No-pressure quote
See what coverage looks like for your family
Tell us a little about yourself and we’ll reach out with honest options — no obligation, no jargon.
- Independent — we compare multiple carriers
- Plain answers, no pressure
- Coverage built around your real needs