Are you looking to find information about life insurance for non-U.S. residents? If so, you are in the right place.
Many of our 30,000 visitors per month are non-U.S. residents, visiting from India, Australia, England, and other countries in Europe primarily. I assume because these are 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 wary of in the Middle East, but even there, you could still get insurance depending on where you live.
I recently received 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, so I was able to find a couple of carriers who would make offers to her.
Table of Contents:
Who Qualifies As A Non-US 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 per year outside of the United States;
- Visits the U.S. for business or pleasure but maintains a 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, 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 per year for business purposes.
Countries That Don’t Allow U.S. Life Insurance
Please note there are some countries who prevent their citizens from purchasing life insurance outside of their country of residence.
These include, but are not limited to: