The widest access
Most carriers treat green-card holders much like citizens — the full product menu, usually at standard rates.
Who we serve · Permanent residents
Life insurance for green-card holders
As a lawful permanent resident, you have nearly the same access to U.S. life insurance as a citizen — usually the widest choice of any non-citizen. Let’s put it to work for your family.
Why it matters
What life insurance does for green-card holders
Here’s the good news up front: green-card holders generally have the easiest path to coverage of any non-citizen. Most carriers treat lawful permanent residents much like U.S. citizens, which means the full menu — term, whole life, and other permanent options — is usually open to you, typically at standard rates. The myth that you must be born here to protect your family simply isn’t true.
You’ll still go through ordinary underwriting, and a handful of carriers ask about how long you’ve held residency or about recent international travel — but those are rarely a barrier. As an independent agency, our job is to compare carriers and find you the right coverage at a fair rate: the right amount for your family, not the most expensive policy someone can sell you.
The case for owning your coverage
Why permanent residents lock it in
Protect the life you’ve built
Coverage replaces your income, clears a mortgage, and keeps your family steady — right where you’ve put down roots.
Name anyone as beneficiary
Your beneficiary can live here or in your home country; we’ll help you set it up sensibly.
Rates only rise with age
Buying while you’re younger and healthy locks in a better price you keep — and permanent status makes it straightforward.
Coverage that fits
Options worth comparing
With permanent residency you usually have the full menu — we’ll help you compare carriers and find the best rate.
Term life
Affordable, level coverage for the years your family depends on your income — the usual starting point.
Learn more →Whole life
Permanent coverage that lasts a lifetime and can build cash value — fully available to most permanent residents.
Learn more →Here on a visa instead?
Not a green-card holder yet? See coverage for visa holders and non-permanent residents.
Learn more →Questions we hear
Green-card holders life insurance FAQ
Can green-card holders get U.S. life insurance?
Yes — and it’s usually the easiest path of any non-citizen. Most carriers treat lawful permanent residents much like U.S. citizens, so you generally have access to the full range of term and permanent coverage at standard rates. We help you compare options and place the one that fits.
Do I need to have held my green card for a certain time?
A few carriers do ask how long you’ve been a permanent resident or about recent travel, but for most applicants it is not a barrier. The specific rules vary by carrier, which is exactly why working with an independent agency helps — we match you to the carrier most comfortable with your situation.
Will I pay higher rates than a citizen?
Usually not. Pricing is driven mainly by your age, health, and the coverage you choose — not your citizenship — and permanent residents are typically eligible for standard rates. We shop multiple carriers to find your best available price. Final approval is always subject to underwriting.
Can my family in another country be the beneficiary?
Generally, yes — your beneficiary can live outside the United States. Benefits are often paid to a U.S. bank account, and cross-border payouts can have tax implications, so we’ll walk through how to set it up and suggest confirming any tax questions with a 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