No green card required
Many carriers write H-1B applicants who have an SSN and genuine U.S. ties — a temporary visa is not a dead end.
Who we serve · H-1B
Life insurance for H-1B visa holders
An H-1B doesn’t put U.S. life insurance out of reach — far from it. If you’re building a career and a family here, you can protect them, and we’ll show you how.
Why it matters
What life insurance does for h-1b visa holders
H-1B is one of the most common situations we help with, and the answer is encouraging: many carriers will write coverage for H-1B holders who have a Social Security number, a U.S. address, and a real foothold in the country. You do not need a green card first. The one catch is that carriers don’t all treat H-1B applicants the same way — some are far more comfortable with visa holders than others.
That’s exactly where an independent agency earns its keep. We know which carriers are comfortable with H-1B applicants and what each one wants to see, so you apply where you’re most likely to be approved — instead of applying blind, getting declined, and having that decline follow you. Our goal is simple: the right amount of coverage for your family, at a fair rate.
The case for owning your coverage
Why H-1B holders get covered now
Protect a growing family
Coverage replaces your income and covers rent or a mortgage; your beneficiary can live here or back home.
Prime age for low rates
H-1B years often line up with your healthiest, most affordable window — and a policy you own stays yours.
Skip the guesswork
We match you to H-1B-friendly carriers, so your application lands where it’s most likely to succeed.
Coverage that fits
Options worth comparing
Most H-1B applicants start with term — we’ll find an H-1B-friendly carrier and the right amount for your family.
Term life
The usual starting point for H-1B holders — affordable, level coverage for your income-earning years here.
Learn more →Whole life
Permanent coverage that can last a lifetime and build cash value, for those who qualify.
Learn more →On a different visa?
L-1, E, O, TN and more — see coverage for all visa holders and non-permanent residents.
Learn more →Questions we hear
H-1B visa holders life insurance FAQ
Can I get life insurance on an H-1B visa?
In most cases, yes. Many carriers will insure H-1B holders who have a Social Security number, a U.S. address, and genuine ties to the country — you do not need a green card. Because not every carrier treats H-1B the same way, we help you apply with one that’s comfortable with your situation.
What documents will I need?
Typically a valid passport and current H-1B documentation, a Social Security number, a U.S. address, and often a U.S. bank account for premiums. Carriers also generally want to see real U.S. ties such as employment and time in the country, and most coverage involves standard medical underwriting. We’ll tell you exactly what your best-fit carrier expects.
Will I pay more because I’m on a visa?
Not necessarily. Pricing is driven mainly by age, health, and the coverage you choose. Some carriers are simply more visa-friendly than others, and applying with the right one is the difference between a smooth standard-rate approval and an unnecessary decline. We help you find that carrier.
What happens to my policy if my H-1B isn’t renewed or I leave the U.S.?
A policy you own generally stays in force as long as you keep paying the premiums, even if your visa status changes. Some policies 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.
Can my family in my home country be the beneficiary?
Generally, yes — your beneficiary can live abroad. Keep in mind that benefits are often paid to a U.S. bank account, and cross-border situations can carry tax implications for your beneficiary. We’ll help you set this up sensibly and suggest confirming 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