Can a non-citizen living in another country get life insurance in the USA? If yes, can you recommend any companies that offer this?
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Of course!.. It is true that foreign nationals can obtain life insurance in the US. Insurance companies provide policies to non-citizens because they understand how global today’s society is. On the other hand, eligibility and conditions may change depending on things like type of visa and residency status. You still have choices if you hold a green card or visa. For foreigners and non-citizens in the United States, here are some excellent choices:
- A solid option for those with green cards is Lincoln Financial.
- Prudential: Perfect for people with visas.
- A good alternative for immigration to the United States is Transamerica.
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Yes, it’s possible. You need to have a connection to the US, like assets or property there, that meets the insurer’s requirements. Most insurers also require a minimum total net worth for the insured person. Your home country needs to be acceptable to the insurer. You can only get permanent insurance, not temporary. You have to pay the premium in US Dollars. You’ll need to sign the application and have a medical exam done in the US. It would be best if you worked with a broker or agent because insurers don’t sell their products directly to customers.
Can exams be done in the US while visiting?
Yes, Prudential or TransAmerica are top choices for foreign nationals, but you need some US ties like property or family. If not, try Lloyd’s of London cover holders like Petersen’s.
PeterGriffin, I appreciate you sharing this information. It’s helpful to know that there are possibilities for non-citizens to get life insurance in the US depending on their residency status and type of visa. I’ll investigate Transamerica, Prudential, and Lincoln Financial as possible options. Thank you for the guidance!