Life Insurance for Non-U.S. Residents

by Chris Huntley

Life Insurance for Foreign Nationals

Yes, we can help you buy U.S. insurance, even if you are not a citizen!

Many of our 15,000 visitors per month are Non-U.S. Residents, visiting from India, Australia, England, and other countries in Europe primarily, I suppose because these are the English speaking countries.

The question I am asked most frequently is, “Can you sell life insurance to me if I’m not a U.S. citizen and don’t live in the United States?”

YES, we can, in most countries.

There are some obvious countries that life insurance companies would be weary of in the Middle East, but even there, you can get insurance depending on where you live.  I recently got a request for insurance from a woman in Israel.  The key here is that she didn’t live in a hot zone for dangerous activity, and I was able to find a couple carriers who would make offers to her.

Requirements to Purchase U.S. Life Insurance for Foreign Nationals

  • Must complete insurance application in the U.S.
  • Must take medical exam in the U.S. (Medical records can be retrieved from your home country in most cases, but it’s helpful if you can bring them.)
  • Must still be in the U.S. when the policy is approved and mailed to you.  The policy must be mailed to a U.S. address in the same state where you applied.
  • You must have some sort of ties to the U.S., such as family here, or business.  You generally can’t just take a “vacation” to the U.S. to buy life insurance.

The only requirement to buy life insurance in the U.S. is that the applicant must be in the U.S. to take the application and medical exam.  It’s okay if you’re a foreign national and just here on vacation, provided that you have some sort of ties to the U.S., but these things must be done here in the states.  Most insurance companies require you purchase a minimum of $250,000 of coverage, but all policy options are available to you, including term life insurance, universal life, or whole life insurance.

What is a Non-U.S. Resident?
At this point, you may be wondering who qualifies as a Non U.S. Resident.

Per Prudential’s “Non-U.S. Resident Highlighter”, a Non-U.S. resident is defined as: Individuals who do not have a full-time permanent U.S. residence or reside outside of the U.S. for 3 months or more annually. Citizenship is not a determining factor in defining a Non-U.S. Resident.

For underwriting purposes, a non-U.S. Resident is defined as an individual who:
- spends more than 3 months a year outside of the United States
- visits the U.S. for business or pleasure but maintains permanent residence outside of the U.S. An example may be a U.S. citizen, who has moved to Germany but returns to the U.S. periodically to visit family.
- is expected to reside in the U.S. on a temporary basis. An example may be an exchange student or individual here for business or professional or educational training.
- resides in the U.S. on a part-time basis only. An example may be a Swedish citizen who owns a home in Sweden and lives in the U.S. for 3 months a year for business purposes.

Countries whose Residents we Can’t Help:

Please note there are some countries who prevent their citizens from purchasing life insurance outside of their country of residents.  These include, but are not limited to: Argentina, Belgium, France, Greece, Japan, Panama, Poland, Switzerland, Uruguay, and Venezuela.  However, if you aren’t a citizen, but not a full-time resident of one of these countries, it may still be possible to purchase U.S. life insurance.

In some other countries, there are either legal or government restrictions preventing us from selling life insurance to their residents, or the risk is simply too high in the country to offer life insurance, which are: Afghanistan, Burma, Cambodia, Cuba, Haiti, Iran, Lebanon, North Korea, and Sudan.  If you are a resident of most other countries, and you are willing to visit the U.S. for the application, exam, and also be here for the delivery of the policy, then we can probably find you a policy.  Three countries we have had great success writing non-U.S. citizens in are Canada, Mexico, and Puerto Rico (U.S. Territory).

How to Apply for U.S. Insurance

Remember, you can’t apply until you come to the U.S., so there’s not much we can do until you get here, but we can schedule a time to talk while you are in the U.S.

Don’t have time to stay in the U.S. for 6 weeks?  Click Here to read tips on how to speed up the approval process.

Email me, Chris Huntley, or call us at 877-443-9467 with the details of your case.  I am also available on skype with username: CristobalHuntley.

You can also get a life insurance quote a using our quote form on the right.  This will give you an idea of pricing.

Hablamos Español.

*Written by Chris Huntley. Huntley Wealth Insurance and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.
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Chris Huntley
Chris Huntley is the owner of Huntley Wealth Insurance, a San Diego life insurance agency. You can find him on Google + and Facebook. Over the past 8 years, Chris has consulted with over 2000 individuals about their insurance needs. He is a proud husband and father to three adorable girls.
Chris Huntley
Chris Huntley

{ 129 comments… read them below or add one }

Mike Cassidy October 7, 2010 at 4:40 am

Hello Chris – My wife and I are Canadians, I’m 73 and a premium or premium plus risk. Life Insurance rates in the US for my category are about 30% lower than in Canada. I’m unsure of the reasons since health and mortality rates in the two countries are very close.

My wife is extremely uneasy about taking out insurance in the US that she would have to collect if I die. We’d be lookng at a 10 yr term policy and I would go to Vermont to make the application.

What problems would my wife and/or my executor in Canada have collecting a benefit under a term policy on my life, if I die? Can you refer me to a couple of sources where this has been discussed?

Thanks in advance for your help. I’m thinking of writing up this issue as a news story in a retirement mag in Canada. Can you give me a phone # where I can reach you?

Thanks in advance,

Mike Cassidy

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Chris October 8, 2010 at 7:03 pm

Hello Mike,
I just emailed you. I’ll work on getting you a couple sources where this has been discussed. Enjoy your weekend.

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kay October 31, 2010 at 8:58 am

I am 47 and live in Pakistan. I wanted to check the options of life insurance available to me

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Chris December 20, 2010 at 7:45 pm

Pakistan is one of the countries where I unfortunately cannot offer coverage.

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David Landau January 29, 2011 at 12:33 am

Chris – what is your website?
Thanks,
David

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A.Benjamin May 6, 2012 at 2:16 pm

I have an uncle who lives in Africa.Can I get a Life insurance on him as a beneficiary? What insurance company will write the policy and the approximate cost.

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Chris Huntley May 8, 2012 at 11:02 am

Benjamin,
Help me understand… If you’re looking for insurance on your life, and you live in the U.S., with your uncle as beneficiary, that is fine. If you want to insure his life with yourself as beneficiary, that won’t be possible, as there aren’t any countries in Africa currently approved by any of my carriers for foreign residence.

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JOHN SAUNDERS April 5, 2011 at 1:29 pm

I am an insurance agent who have a number of non-citizen clients who desire life insurance. I would like to accomodate them, but do not have a carrier. I would like to know about an insurance carrier who offer contracts to independent agents to sell life insurance to non-citizens. John

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Tania Salcedo May 8, 2011 at 3:21 pm

I live in Mexico but I often go to States for vacations, I want to buy a whole life insurance for me and my husband I am going to Houston soon, I want to know rates and policies for this life insurance, can you help me please?

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Chris May 8, 2011 at 5:21 pm

Hello Tania,
I will email you.

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Raul May 9, 2011 at 12:46 pm

Hello Chris.

I live in the country of Honduras. I was interested in obtaining term life insurance and health insurance for me. I frquently visit Miami, FL (every 2-3 months) since my children live there. Can you send me some info to my email? Tks.

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Chris May 9, 2011 at 1:15 pm

Hola Raul,
Que gusto conocer a un hondureño. Yo también viví en Honduras durante los años 2000-2001, cuando daba clases de ingles en la Escuela Bilingue Siguatepeque. ¿En cuál ciudad vive Ud?

En cuanto al seguro de vida… el problema es que no conozco ninguna compañia que lo venda a los residentes de Honduras. Pero dígame en qué ciuda vive y puedo buscar un oferta por Ud.

Let me switch to English now, since it’s my mother tongue. Please also include any history of medical issues or medications, or any other risks.

Mil gracias y es un gusto conocerlo.

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Atet Wijoseno July 7, 2011 at 1:51 pm

Hi Chris,

I am a 31 years old Indonesian citizen, currently living in US as student. I have been in US since 2009, and will be staying here until 2016. What should I do to obtain a term life insurance?

Thanks,
Atet

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Anderson July 10, 2011 at 9:03 pm

Hi,

I am 43 yrs. old from trinidad and tobago and I am looking for life and medical insurance fro my family, please help.

Br,

Anderson

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nel August 16, 2011 at 9:16 am

hi! i wonder if i could get a life insurance for my parents living in the philippines. I am a US immigrant but my parents are not. they only have US tourist visas. hope u can advise me. thank u!

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Chris August 16, 2011 at 2:08 pm

If they are residents of the Metro Manila area, then this may be possible. They will need to come to the U.S. to apply, take the exam and are here to receive the policy, and of course, need to be able to qualify medically and personally for the coverage. For more details, call us at 877-443-9467. Thanks for your comment.

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ABC_XYZ September 2, 2011 at 4:31 am

Chirs,
Really nice to see your blog on touching this important subject. I am US Citizen living in India and planning to continue to do so for few years. What are options available to me for getting Term Insurance Coverage?

Thanks and Regards

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Chris September 2, 2011 at 10:33 am

Depends. Where do you live in India? Also, you would need to come to the U.S. for all steps of the application process (application, medical exam, and need to be here to received the issued policy)

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ua September 3, 2011 at 4:56 pm

Hi Chris,

I am currently in US awaiting green card and am looking for life insurance. I have been here for 5 yrs now. My question is, should I decide to go back to India say in 5 yrs from now, would I still be able to keep my life insurance ?

Thanks much

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Chris September 6, 2011 at 11:32 am

Yes, your insurance will be valid wherever you go, as long as you are up front and truthful about your future plans if asked on the application.

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ABC_XYZ September 4, 2011 at 7:00 am

Thanks Chris. I currently live in Bangalore. From your blog and reply it seems that it is mandatory to be in US for application process as well as medical exam.

ABC_XYZ

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pau September 9, 2011 at 2:07 pm

Hi! i’m a non resident from Mexico and I’m wondering if I have to pay taxes? In case I die, and I have a $100,000 life insurance, do my benefactors have to pay taxes? If so, how much? Thank you

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Chris September 16, 2011 at 6:02 pm

I’m not sure on the Mexican side, but as for U.S. taxation of life insurance benefits, it is not taxable for income tax, but could be included in your estate taxes.

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Camilo September 10, 2011 at 12:24 pm

Hi i hqve 39 yo im not a us resident permanet non citizen
Can i get a life insurance and put the beneficiary to my daughthers
They are us permanent residents

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Chris September 16, 2011 at 6:00 pm

What country are you in? Can you visit the U.S. to take the application and medical exam?

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pascale September 15, 2011 at 1:55 pm

hello ,
i have a question for my friend.
She is dutch and has a dutch pasport and a green card for 10 yrs.
She has been married since 1997 to an American citizen.
Her insurance adviser tells her that if she doesnt give up het dutch citizen chip her life insurance for when her husband dies will only pay out 45 % .
In order to get the full pay she will have to give up het dutch citizen for an American citizin ship.
Is this mandetory for all lifeinsurance companies???

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Chris September 16, 2011 at 5:58 pm

Hello Pascale,
I think you’re referring to estate taxation. In this case please consult your tax adviser. As for the insurance company death benefit, I can’t imagine a U.S. insurance carrier reducing the benefit due to citizenship. Where was the policy written?

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CeCe September 15, 2011 at 9:41 pm

Hi Chris,

My mom lives in Belize and I and I am a U.S. resident. I would like to purchase life insurance for her. Can you please provide me with some info. on this to my email?

Thank you

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Etiene November 3, 2011 at 9:42 am

Hello Chris,

I am from Curacao and want a Life Insurance for my family. Please let me know about your website and any additional information regardings Company’s that sells Life Insurance to Dutch Caribbean Citizens.

Radiant Greetings,

Etiene

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Gavin Siney November 5, 2011 at 1:16 pm

Hi Chris
I am 47- about to be 48 – and am in America on an O1 visa. I am from Zimbabwe and have two children at college. I need to get a life insurance policy – so that if anything happens to me – my wife has some money to pay for my two children to finish college. I have been told by some insurance companies that they do not cover Non US citizens – but then saw your article.
Please can you give me some advise. Iw ould want coverage of 250 000 – so that if something happened to me, my wife could stillpay for my kids to go to university. Thank you
Gavin

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Chris November 14, 2011 at 11:49 am

Hello Gavin,
I’m sorry. We are not able to insure residents from Zimbabwe. If you become a permanent resident in the U.S. we can help you.

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Yolanda November 7, 2011 at 4:17 pm

I have a friend from Mexico that is not a US-resident. What is the required paperwork needed to get term life?

Thanks,
Yolanda

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Chris November 14, 2011 at 11:46 am

Hi Yolanda,
This post spells out the requirements. Must be here for the application, exam, and to accept delivered policy. Beyond that, give me a call at 877-443-9467. Chris

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George December 3, 2011 at 9:59 am

I was wondering can the benifactor still collect a life insurance claim if ones parents lived in the US had theyre policy in good standing, but was deported and passed away in the other country? I have all the necessary documentation asked of me but now I’m in doubt, they died of natural cuases

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Chris December 9, 2011 at 11:38 am

George,
My understanding is that if the policy was issued in the U.S. by a U.S. company, it will still pay out, provided that a valid death certificate is obtained, and no travel questions were answered fraudulently on the application.

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Jose Castillo January 5, 2012 at 10:30 am

Hi Chris

I am a US Citizen and I am looking to get life insurance on my parents who live in Mexico, could you send me some information about what is available for them? Thank You

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Chris January 12, 2012 at 2:02 pm

José,
Sus padres tienen que venir a los estados para completar todos los aspectos de la póliza. Aquí tienen que completar la solicitud, hacer el examen médico, y estar aquí para recibir la póliza. ¿Pueden viajar a los estados? I speak Spanish, so I can help them with any questions they have.

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Abiola Ogunsakin January 10, 2012 at 2:17 am

Hi Chris,
Can you offer your Life insurance to Nigerian living in Nigeria without a US Residency status?
Is there fixed term Life insurance product that mature say in 10 years that can be targetted at Children’s Education?
Would be grateful if you could mail to me the process of executing Life insurance in the case where the Beneficiary is also not resident in the USA.
Thanks a lot in anticipation.Let me have th

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Chris January 12, 2012 at 2:00 pm

So sorry Abiola. We cannot insured Nigerian residents.

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JK January 25, 2012 at 4:01 pm

Hi Chris,

I am a US citizen and I want to take out a life insurance policy on my Mother who lives in South Africa. She is 82 years old.

Is there any possibilty of me doing this here in the USA?

Is it also possible to take out a term insurance policy for her?

Thanks,

JK

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Chris January 25, 2012 at 7:18 pm

Hello JK,
You may be able to take out a policy on yourself with her as beneficiary if you are here in the U.S., depending on your residency status. Please tell me more about your status of residency here, what state you live in, how long you intend to stay in the U.S., and what type of visa you have. Also, tell me about any plans to travel outside the U.S. you have in the next couple years.

Unfortunately, no companies will offer life insurance to residents of South Africa, even if they come here to apply for coverage, so coverage will be impossible for her unless she comes to the states and becomes a resident here.

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Eabonney February 2, 2012 at 4:02 pm

Hi live in the turks and caicos islands, which is a british overcease terretorie island, can you provide life insurance to me and my family that live in the US,,

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Chris Huntley February 8, 2012 at 1:59 pm

I’m sorry. None of my carriers insure residents of Turks & Caicos Islands. However, we can certainly help your family who is living in the U.S., assuming they are U.S. residents. 877-443-9467

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Catherine February 14, 2012 at 8:34 am

My husband is Moroccan. Is Morocco a country you can service? Could you reply to me via email? Thanks.

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julie February 17, 2012 at 1:48 pm

Hi, I want to know that if I bought a term life policy for my husband who is only a permanent resident in US, and passes away in other country. Will a certified foreign death certificate be valid for the benefit to be paid out?

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Mario Burbano February 28, 2012 at 12:44 pm

Dear Chris
I am a 62 year old Ecuadorean citizen . I own real state in the USA and plan to retire in California in a few years. I want to purchase term life insurance but I am not a US resident. I am willing to undergo medical tests in the US if needed as I travel frequently. Please advise and provide quote for 5ooK 10 years and 15 years.
Thanks

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Luis Ledesma March 9, 2012 at 2:10 am

Hi, I am Mexican citizen right now I am a college student in Hawaii with a J-1 visa. I have one more year of classes and my wife and I would like to have a life insurance policy before we go back. Can you help us?

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Mitzi April 4, 2012 at 8:33 am

Hi

I am from the Cayman Islands, looking to purchase life Insurance, is this possible? Not a US citizen only visit for pleasure.

Mitzi

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Chris Huntley April 25, 2012 at 5:17 pm

Hello Mitzi,
Yes, we can help residents of the Cayman Islands, assuming you can qualify medically, and that you come to the US for every aspect of the sale (application, medical exam, and to receive policy), and that you have some sort of business or personal ties to the US. You can’t just come to the states for the sole purpose of purchasing life insurance.

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Vladimir April 17, 2012 at 5:51 am

Hi, im a resident of Monaco (russian passport) and was recently approached by insurance brokers trying to sell me ‘offshore’ life insurance as he put it. Am i even allowed to own such insurance?

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Chris Huntley April 25, 2012 at 5:15 pm

Hello Vladimir,
We can help residents of Monaco, as it is an “A” country (no rating class penalty), assuming you can qualify medically, that you come to the US for every aspect of the sale (application, medical exam, and to receive policy), and that you have some sort of business or personal ties to the US. You can’t just come to the states for the sole purpose of purchasing life insurance.

However, your situation becomes more problematic if you frequently visit Russia. Send me an email with more details about your residence status and foreign travels, as well as the type and amount of coverage needed, and I’ll be happy to help you.

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Reza T. April 20, 2012 at 3:42 pm

Hi Chris;
I’m a Canadian living in Toronto with full health (never smoked or drunk) and both my parents (94 and 74) are still alive and well.
Am looking to purchase myself $1,000,000 coverage and $500,000 for my wife as we’re buying a house and need to have coverage. Plesae quote 20 and 25 locked in terms. If you could also quote for disability and critical illness to same level would be nice.

Best

Reza

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Chris Huntley April 25, 2012 at 5:11 pm

Reza,
I sent you an email last week when I first saw this comment.

Yes, Canadians can get coverage here assuming you can qualify medically, that you come to the US for every aspect of the sale (application, medical exam, and to receive policy), and that you have some sort of business or personal ties to the US. You can’t just come to the states for the sole purpose of purchasing life insurance.

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reza April 20, 2012 at 3:43 pm

Sorry forgot to leave our ages. I’m 44 and my wife is 34.

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Chris Huntley May 21, 2012 at 4:55 pm

Hello,
Thank you for your comment.

I would be happy to help, but unfortunately cannot accurately predict the cost of insurance without knowing information about your health history.

Please call me directly at 877-443-9467. Ask for Chris.

Thanks again,
Chris Huntley

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cristiano April 25, 2012 at 4:59 pm

Dear Chris,

I am Brazilian. Is there any company working with life insurance for brazilians ?

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Chris Huntley April 25, 2012 at 5:09 pm

Yes, Brazilians can get coverage here assuming you can qualify medically, that you come to the US for every aspect of the sale (application, medical exam, and to receive policy), and that you have some sort of business or personal ties to the US. You can’t just come to the states for the sole purpose of purchasing life insurance.

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Andrea Argueta May 11, 2012 at 12:44 pm

Do you offer life insurance to people who live in Guatemala?

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Chris Huntley May 16, 2012 at 11:24 am

I’m sorry. Guatemala is not an approved country for foreign residence.

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vyvienne June 28, 2012 at 10:26 pm

i am a a permanent resident loooking for life insurance for my mother who lives in cameroon africa and visits the us as often as yearly.
Please let me know whats possible and at how much.
thanks

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Chris Huntley July 3, 2012 at 2:40 pm

I’m sorry. Unfortunately, Cameroon is not currently a country acceptable for foreign residence.

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Jon Leachtenauer July 1, 2012 at 9:53 pm

I am an American citizen living in Japan with my wife and daughter. I would like to get term life insurance for myself. I would appreciate any help you could give me.

Thank you.

Jon

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Chris Huntley July 3, 2012 at 2:42 pm

Hello Jon,
Japan is ok for foreign residence.

Please understand that for a Foreign Resident to be approved for life insurance in the U.S., the insured must travel to the U.S. to take the application, medical exam, and also must be in the U.S. to accept the policy once it has been approved. (which takes 3-6 weeks on average)

Is this possible for you?

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Ryan July 5, 2012 at 6:00 pm

Hi Chris

I have a friend who is Canadian but travells a lot to Zimbabwe, he is looking for a term life insurance policy? Is this possible?

Thank you
Ryan

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Chris Huntley July 27, 2012 at 11:18 am

Does he live in Canada or in the U.S.?

If he’s a Canadian living in the U.S., no problem, as long as he doesn’t stay in Zimbabwe for more than 4 consecutive weeks. Call me for more details at 877-443-9467.

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Ron July 16, 2012 at 5:43 pm

Dear Chris,
I am a Dutch male from the Netherlands, Europe, aged 42 years old, and have a second home in the US that I frequently visit for holiday and business purposes. I qualify as a non-US citizen, though. I would like to purchase life insurance (preferably term insurance, 10 or 20 years term, benificiary: my wife). Could you help me with that? Thank you in advance.
Ron

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Chris Huntley July 27, 2012 at 11:15 am

Hello Ron,
Yes, I would love to help. When will you be in the US again?

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Manuel Garza August 7, 2012 at 4:40 pm

Hi Chris, I’m Mexican and living in Mexico. I go to USA very often and was thinking about getting a life insurance policy in USA since it is cheaper than in Mexico but I was told that after penalties and taxes my family in Mexico would get about 50% of my assured sum in case of death. Is this true?

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Chris Huntley August 13, 2012 at 12:53 pm

Hi Manuel,
I don’t know that. You’ll need to ask a tax specialist in Mexico. I can tell you from the U.S. tax perspective that life insurance proceeds are generally not income taxable, but when it comes to foreign citizens, I don’t have the answers. Sorry.

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Nash August 19, 2012 at 11:31 pm

Hi Chris,
I am on a student visa in US. My parents aged 71 and 72 are visiting from India and are interested in life insurance. Before I saw your website, I figured that with their age and visitor status here, they wouldnt be able to get any life insurance.
Please advise how they can get life insurance. They can get their testing and other stuff done while they are visiting US.
Thank you,
Nash

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Chris Huntley August 20, 2012 at 4:15 pm

Hello Nash,
Thank you for your comment.

How long will they be here? They have to stay until their policies are approved. Also, what part of India are they from? They may or may not be able to get insurance here depending on the city they live in.

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Jeff September 12, 2012 at 12:56 pm

Hi Chris,
I am currently a Canadian citizen but am getting a work visa in October to work in the US. I will, after moving to the US apply for my green card. I would like to get life insurance now, in the US. Can I easily change my citizenship from Canadian to US without it affecting my policy?
thanks,
jeff

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Chris Huntley September 13, 2012 at 11:49 am

Hello Jeff,
Give us a call when you get the U.S. and we can help you. The status of your US citizenship or visa status will not affect your policy. 877-443-9467

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Richard Wallace October 9, 2012 at 8:17 pm

i am american citizen and i am planning on moving to the philippines where my wife is right now i am wondering is there a life insurance company in the united states that will insured someone who will move to the the philippines and still be a citizen of the united states I had a policy with one company but they will not keep me if i move to the philippines can you tell me if there is a company out there

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Cashmall October 29, 2012 at 12:37 pm

Do u provide for Jamaican residence? I can travel at anytime. Plus I could send you a bite of referrals I get asked this question frequently.

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Chris Huntley November 5, 2012 at 7:41 pm

Yes, but they must come to the mainland to take out the coverage.

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Raj November 14, 2012 at 11:41 pm

Hello Chris,

I am an Indian, working on H1B Visa. Looking forward to take life insurance. If any case, i return back to India permanently- will the Insurance policy be valid if i continue to pay premiums ?

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Chris Huntley November 20, 2012 at 3:30 pm

Raj,
If you can qualify for Life Insurance while you are here, then moving back to India will not effect your policy benefits, assuming this is disclosed on your application, of course.

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ila November 20, 2012 at 9:06 am

I’m a green card holder living in the US and my family from India visits me regularly here. They are from the city of Bangalore. Will they be able to get life insurance even though they only spend about 2 months of the year here? What is the age limit on being able to get insurance?

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Chris Huntley November 20, 2012 at 3:26 pm

Yes, Bangladore is an acceptable region in India for coverage in the U.S. (But please note you did not tell me what state in the US they will be visiting. I’m licensed in most states but if they come visit a state where I’m not licensed, I’ll have to refer you to another agent.) We can generally insured up to age 80 with most companies. I’ll email you with specific questions about your family.

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Angel November 24, 2012 at 8:31 pm

Hi,
My parents are from Hong KOng. My father is 72 and my mother is 63. They are both interested in buying life insurance in the US. Both of them are healthy and often come to the US to visit me in San Francisco. They normally stay 1-2 months every time. What are the costs and procedures. We are very interested in getting the quotes and details.
Thanks

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Chris Huntley December 12, 2012 at 2:21 pm

Hello Angel,
Thank you for visiting my site, and I apologize it took me some time to get back to you. I only check my comments on my site every couple weeks.

Yes, Hong Kong is an acceptable region.

For your parents to be approved for life insurance in the U.S., they must travel to the U.S. to take the application (CA is fine), medical exam, and also must be in the U.S. to accept the policy once it has been approved. (which takes 3-6 weeks on average)

Please call me directly at 877-443-9467 to discuss.

For any other visitors to my site wondering about regions of China, some regions are acceptable, and some aren’t. Residents here are ok: Beijing, Chongqing, Guangzhou, Shanghai, Shenyang & Tianjin

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Nimesh November 29, 2012 at 12:23 pm

Hi,
I ‘m Us citizen and live in NJ
My parents come to visit me every year from India on Visa. They are getting old (under 75) but so far no medical issues,
is there any term life insurance they (or I can buy for them) can buy? if so do I have to waite untile they come here?

Thank You
Nimesh

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Chris Huntley December 12, 2012 at 2:09 pm

Hello Nimesh,
Thank you for your comment at my site. What part of India are your parents from? Their age is not a problem, but only certain cities/regions are acceptable for coverage, which are: Bangalore, Calcutta, Chennai, Delhi, Hyderabad, Mangalore, Mumbai and Surat

Yes, they would need to come here to apply for coverage and remain here until the policies are approved and delivered, which can take 4 to 6 weeks.

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Jill December 7, 2012 at 1:15 pm

Why can’t you use a trust for buying insurance for Japanese clients. Does the insurance company just not want to deal with the laws of Japan?

Why are we obligated to what the laws of another country put on people when they can come here and should be able to buy what they want?

I have several business owner friend in Japan wanting to buy large amounts of single premium insurance and leave their money in trust here.

What can you do?

thank you

Jill Menton

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Chris Huntley December 12, 2012 at 1:59 pm

Hi Jill,
If a Japanese citizen were to move here permanently and establish residence here, I don’t think that would be a problem. They probably have these rules to avoid pumping dollars into the U.S. economy, but that’s just a guess. To answer your question, we can do nothing for Japanese residents. No U.S. insurance company will insure them since they understand Japan’s insurance regulations.

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Stephanie December 11, 2012 at 4:03 pm

My son and his wife, both American citizens, moved to Israel to live there indefinitely. They have two young children, 6 and 3, and would like to have life insurance until their children are grown. They live in the more northern section of Israel, NE of Tel Aviv, between Natanya and Hadera. Can you recommend any companies that would sell them life insurance? Please email me your answer. Thank you.

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Chris Huntley December 12, 2012 at 1:52 pm

Hi Stephanie, Unfortunately, Israel is not acceptable for foreign residence. Sorry.

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Mayra December 30, 2012 at 4:45 am

Hi Chris,
In reading your posts, you’ve made it clear that we need to come in and receive an exam in order to take out a policy. I hate to ask this, but would you know of any company where I could get a term life with out having to got to the office to get an exam? I am a US citizen, but my husband is not and I would like for him to be able to have life insurance. Is there any sort of Proxy service where my husband could take and exam here in Mexico and have the doctors office fax the exam in? Thank you for all your help.

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Chris Huntley January 11, 2013 at 3:54 pm

Hello Mayra,
I understand your dilemma here. It’s not a question of whether or not the insurance company could find a service to examine him. It’s the requirement that he MUST be in the US for all stages of the application. Sorry.

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Sandra January 20, 2013 at 3:56 pm

I am a resident of Grenada (caribbbean) . I would like to know if I can get insurance for medical purposes and the procedure.

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Chris Huntley January 23, 2013 at 3:20 pm

Hello Sandra,
Yes, Grenada is an acceptable country for residence. Please read the article again for the process and call me with any questions at 877-443-9467. Thank you.

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Vladislav January 29, 2013 at 2:17 pm

Hi, Chris!

I am an Uzbekistan citizen, living in Russian and planning to obtain Russian Citizenship in two years and planning to go to the US for work and future legalization. Currently i am 27. My question is, are there any options of getting a lifetime isnurance in the US for me, and what would be the terms.

Thanx

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Chris Huntley February 7, 2013 at 3:19 pm

Hello Vladislav,
Not while you are in Uzbekistan or Russia, unfortunately. Once you come to the U.S., we can help!

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Perry January 31, 2013 at 4:22 pm

Hello Chris,

Your article is a great information source! Thank you for putting up together this piece. I am a Chinese citizen, studying in U.S., and after graduation I will relocate to Germany to work. Because I am a single child, I want to buy term insurance and add my mom as beneficiary, in case anything happens to be she can still be supported. Therefore, I am thinking about a 20-30 year term insurance which can cover travel accident (flights and cars), and terminating diseases (for example, cancer), with easy access to claim and send money to my mom who is and will always be in China. Can you give me some more specific quotes on some products? Thank you!

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Chris Huntley February 7, 2013 at 3:11 pm

Hello Perry,
Sure thing. I will email you with some questions.

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Lucille Nowakowski February 4, 2013 at 11:04 pm

Hi Chris,
What a small world!! My mother is from Honduras, however, she is a US. citizen but now resides in her native country (Honduras) I grew up
Siguatepeque until the age of 12 yo. and then migrated to the US. where I still presently reside. I am also looking to purchase term life insurance for her, she has an outstanding medical history and she visits the US. periodically to visit me. Please advise me if you can help me with this matter.
Thank you in advance.

Lucille

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Chris Huntley February 7, 2013 at 2:56 pm

Hello Lucille,
Yes, what a small world.

I’m not sure if you read my bio, but I actually lived in Siguatepeque for 2 years, teaching at the Escuela Bilingue Siguatepeque.

Anyway, your mother’s case would be impossible since she lives in Honduras. It is not a country that is currently acceptable for foreign residence with any of my carriers. Sorry.

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Luis February 8, 2013 at 11:26 am

Good morning,

My parents are looking for life insurance, they are Venezuelan citizens and live in Venezuela, however I live in New York.
My mother is 70 and father is 74 y/o
Can I help them get life insurance being foreigners?
How much does it cost?

Thanks

Luis

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MiguelR February 16, 2013 at 3:34 pm

Hi Chris,
Just saw your website and I have my father living with us. He’s 72 years old and been with us for at least 10 years here in Chicago, IL. He’s in overall good health. Can he be eligible to get life insurance even if he’s not a legal resident? Kindly advise.

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Chris Huntley February 23, 2013 at 1:07 pm

Are you saying he is here illegally or that he just does not yet have permanent residency. If the former, we can’t help. If the latter, yes, we can certainly help!

Call me to discuss. 877-443-9467

-Chris

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Joseph Souaid February 20, 2013 at 8:19 am

Hello,
I am Canadian citizen and I reside in Canada. I am interest in a US life insurance term policy because of the lower cost compared to policies offered by Canadian companies. I dont have any ties to US though other than short trips for business and pleasure. Am I eligible?

Regards,
Joseph

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Chris Huntley February 23, 2013 at 1:01 pm

Yes, if you travel here for business, should not be a problem. Call me at 877-443-9467 to discuss.

-Chris

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Marc February 28, 2013 at 4:11 am

Chris,

I am a U.S. Citizen. Born and raised. I’ve been married for 12 years now and we have a 7 year old daughter. My father came here in 1950 from Ukraine. Quickly became a citizen. My wife is from Ukraine. We have chosen not to get her citizenship here in the states due to some property she still owns in Ukraine. We attended ‘some seminar’ a few years back hosted by an independent representative for finances. He mentioned something about if a spouse is not a citizen then she might not get all the money in a life insurance policy. The seminar was about Trusts so we’re not if the information on life insurance was correct. Can I get life insurance on myself and will my wife get all the benefits if I pass. Or should we assign it all to my daughter to receive any benefits from a policy and my wife as Trustee or similar to manage the estate.

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Chris Huntley March 22, 2013 at 3:30 pm

Hey Marc,
You better speak to an estate attorney about this, but my opinion (this is not legal advice), you should have no problem making your wife the beneficiary. I’ve never heard that the person filing the death claim needs to be a US citizen. We sell insurance to people who aren’t even US residents and their families who have never even been to the US in their lives are able to collect.

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Dick Messer March 2, 2013 at 1:44 pm

Can a person from Mexico that is in the US illegally buy life insurance and have the beneficiaries as his family members who reside in Mexico? Thanks.

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Chris Huntley March 22, 2013 at 3:27 pm

No, sorry. Must be here legally to qualify.

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Natalya March 16, 2013 at 4:45 pm

Hello, Chris!
I live in New York. My father is 71 and he is Russian citizen,and he is suppose to come to visit me this summer. My question is, are there any options of getting a lifetime insurance in the US for him, how much it will cost, and what would be the terms?
Thank you in advance,
Blessings, Natalya

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Chris Huntley March 22, 2013 at 3:09 pm

Give us a call. I prefer not to give quotes in the comment section of my site for obvious reasons.

877-443-9467

-Chris

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nadda subotich April 4, 2013 at 8:50 pm

Hello
I am a resident of USA.I would like to ask if i can get a health/life insurance
for my Father(he is 56 years old,healthy) in Thailand?

Thank you

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Dean April 16, 2013 at 5:27 pm

Hello Chris!

I’m a macedonian national living in Macedonia. Is it possible to come to the US for the application and the whole process, wait for it to finish there, go back to Macedonia, and then pay the money (on a monthly / annual basis) by bank transfer from Macedonia, and when the policy expires to receive the money in Macedonia, without having to go to the US?

What kind of ties do we need to have in the US, and for what reason?

Regards,
Dean

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Sue May 7, 2013 at 4:13 pm

Chris,
My parents are visiting USA from India. I want to know what insurance they could purchase in the event that something were to happen to them while here – I want a life insurance that would cover them.

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Chris Huntley May 14, 2013 at 9:11 am

Hello Sue,
Please give us a call to discuss at 877-443-9467. Do your parents have any ties to the US besides you living here? (i.e. a bank account here, real estate holdings, business here)

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Carolina August 8, 2013 at 5:28 pm

Dear Chris,

I’m brazilian living in Brazil. My mother travels to US at least once a year. You said in your article that to buy an insurance the person needs to have a sort of tie in US. So, is it impossible to buy my mother a US Life insurance???

Thanks and regards!

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Abhishek Kumar August 18, 2013 at 6:18 pm

Hi Chris,

Thanks for such a wonderful blog, this is very informative.
I am an Indian Citizen and currently residing in Burbank, California on H1B visa. This is my 5th year in USA. I have applied for green card but may have to go back to India permanently. Can I opt for life insurance for a period of 25-30 years? Please advise on the premium if the coverage amount is $500,000. Also, can I make my mother (she lives in Ghaziabad, India) and my daughter who is a US citizen the beneficiaries?

Thanks and Regards,
Abhishek

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Alex August 30, 2013 at 12:44 pm

Hello Chris,
My mother in law visit us in a yearly basis, she is from Colombia. Can she be considered how foreign resident for this insurance plans type?
thank you for your advice

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Melinda December 28, 2013 at 1:11 pm

I am retired teacher, living in Mexico. I will be in Texas in April and would like to buy life insurance at that time. I cannot afford much, but $25000 would be a nice amount. Is that possible? Melinda

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Chris Huntley April 16, 2014 at 8:58 am

Hi Melinda,
Give us a call at 877-443-9467 if you’re in the US now.

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Golden January 11, 2014 at 4:52 pm

Hi, Is there anything I can sell to rich Russians?

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monica castillo May 21, 2014 at 1:30 pm

Is thier a way I can pay for life insurance here in corpus Christi..for someone in mexico who needs life insurance in mexico.

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Chris Huntley June 12, 2014 at 10:38 am

No

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fayola June 3, 2014 at 6:03 am

Hi Chris,

Why must I come to the US to take the medical exam in order to qualify for the insurance?

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Chris Huntley June 12, 2014 at 10:33 am

Insurance policies are state approved contracts. All the states require you apply for coverage in their state when buying life ins.

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Shelley July 14, 2014 at 3:52 pm

Hi Chris,

Hi Chris,

I’m agent and have a connection with some business in China that may be interested in getting insurance, (Disability, Accident, Life) for there employees and personal Life insurance for themselves you know of any state side companies that will be able to do this??? You seemed very versed in regulations with out of country insurance… Thank you in advance.

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Chris Huntley July 21, 2014 at 1:53 am

Hi Shelley,
I would need to know more about the situation you are describing. Give us a call at 855-247-9555.

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angela July 21, 2014 at 3:13 pm

Hi Chris,

I am currently full time work at US but I am not a us citizen or green card holder. I want to buy term life insurance but was rejected by some insurance companies because of my visa type. Do you think I could apply for non-us resident life insurance?

I come from china.

Thanks

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Chris Huntley July 24, 2014 at 9:36 pm

Hi Angela,
I would really need to know more about your circumstances before giving an answer on this. You can give us a call at 877-443-9467, or we can send you a list of questions to help us answer this for you.

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sp August 25, 2014 at 12:23 am

hi I am graduate student in usa from Nepal.What kind of life insurance is there for international student like me?

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Chris Huntley September 6, 2014 at 1:46 pm

Hi,
Thank you for this question. This can be done if certain criteria are met. We will need to discuss your current situation with you to ensure everything is in order. We will be in touch.

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