Protect your U.S. assets
Coverage can provide liquidity for U.S. estate costs, a mortgage, or a business interest — so heirs aren’t forced to sell.
Who we serve · Non-residents
U.S. life insurance for non-resident foreign nationals
If you live outside the United States but have real ties here — property, a business, or family — U.S. life insurance can sometimes be arranged through specialized programs. We’ll help you explore whether there’s a fit.
Why it matters
What life insurance does for non-resident foreign nationals
This is a specialized corner of the market. Some carriers offer programs for foreign nationals who don’t live in the U.S. but have substantial connections here — real estate, a business interest, investments, or close family. These programs often suit larger coverage amounts tied to significant U.S. holdings, but the rules are stricter and vary widely from one carrier to the next.
Because it’s specialized, we take an honest, exploratory approach rather than making promises. Working with specialist partners, we help you see whether your situation fits a program, what documentation it would take — proof of U.S. ties, financials, and sometimes a visit to the U.S. for application or underwriting — and whether it genuinely makes sense for you. Our role is a clear-eyed look at the fit, with no pressure.
The case for owning your coverage
Why non-residents explore U.S. coverage
Built for larger amounts
These specialized programs often suit higher coverage tied to meaningful U.S. property or business holdings.
A piece of cross-border planning
Coverage can play a role alongside the work your own attorney and tax advisors are already doing.
An honest read on fit
We explore real options through specialist partners instead of guessing — and tell you plainly if it isn’t a match.
Coverage that fits
Options worth comparing
Non-resident programs are specialized and vary widely by carrier — we’ll help you explore whether there’s a fit, with no pressure and no promises.
Whole life
Permanent coverage is the usual fit for legacy and liquidity needs tied to long-term U.S. holdings.
Learn more →Term life
Where it’s available, term can cover a defined obligation like a U.S. mortgage or business loan.
Learn more →A U.S. resident on a visa?
Living in the U.S. on a visa is a different, more accessible path — see coverage for visa holders.
Learn more →Questions we hear
Non-resident foreign nationals life insurance FAQ
Can I get U.S. life insurance if I live outside the country?
Sometimes. Certain carriers offer specialized programs for non-resident foreign nationals who have substantial U.S. ties, but the rules are stricter than for residents and approval is far from automatic. We work with specialist partners to help you explore whether your situation fits — without overpromising.
What kind of U.S. ties matter?
Programs generally look for genuine connections such as U.S. real estate, a business interest or ownership, investments, or close family in the country. Carriers assess these case by case, along with your financial picture. We’ll help you understand what a given program looks for before you invest time in applying.
Would I need to travel to the United States?
Often, yes. Many of these programs require part of the application or medical underwriting to be completed during a visit to the U.S. The specifics vary by carrier and program, and we’ll lay out what would be expected for your situation as part of exploring the fit.
Can you guarantee I’ll be approved?
No — and we won’t pretend otherwise. This is a specialized, case-by-case area, and eligibility depends on the carrier, your ties to the U.S., your finances, and underwriting. What we can do is give you an honest assessment of whether there’s a realistic fit and guide you to the right specialist if there is.
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