Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 3, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Life insurance companies base eligibility for non-U.S. citizens on residency status
  • Life insurance companies can’t provide coverage to citizens of some countries
  • Non-U.S. citizens must provide certain documents to apply for life insurance

Life insurance quotes are available from American companies for many people who are not U.S. citizens.

However, eligibility for non-U.S. citizens depends on residency status. Understanding life insurance companies that specialize in non-U.S. citizen life insurance coverage will help you determine if you can receive approval.

Before learning more about life insurance companies that specialize in non-U.S. citizen life insurance coverage, enter your ZIP code above to find life insurance rates in your area.

What are the rates from life insurance companies that specialize in non-U.S. citizen life insurance coverage?

You can find affordable life insurance companies that specialize in non-U.S. citizen life insurance coverage. The following charts show the average monthly 20-year term life policy rates for men of various ages:

Average Monthly 20-Year Term Life Insurance Rates for Males From Life Insurance Companies That Specialize in Non-U.S. Citizen Life Insurance Coverage Based on Age, Gender, and Amount of Coverage
Term Life Insurance Policyholder AgeAverage $100,000 Term Life Monthly RatesAverage $250,000 Term Life Monthly RatesAverage $500,000 Term Life Monthly Rates
25$14.53$23.27$34.79
35$17.57$26.09$40.04
45$26.54$45.47$79.19
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The following chart shows the same information for women:

Average Monthly 20-Year Term Life Insurance Rates for Females From Life Insurance Companies That Specialize in Non-U.S. Citizen Life Insurance Coverage Based on Age, Gender, and Amount of Coverage
Term Life Insurance Policyholder AgeAverage $100,000 Term Life Monthly RatesAverage $250,000 Term Life Monthly RatesAverage $500,000 Term Life Monthly Rates
25$12.70$18.72$27.39
35$15.40$22.19$32.19
45$22.97$37.42$66.14
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As you can see, life insurance rates increase as customers age, and women pay lower rates than men.

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How do life insurance companies that specialize in non-U.S. citizen life insurance coverage determine eligibility?

The Insurance Information Institute shows multiple reasons to buy life insurance. While most people can find coverage, there are life insurance companies that don’t specialize in non-U.S. citizen life insurance coverage. It can be hard to get approval for coverage from these companies.

Most life insurance quotes from companies that specialize in non-U.S. citizen life insurance coverage are based on a combination of criteria. The criteria commonly used to determine eligibility includes:

  • ID type
  • Residency
  • Home country

Let’s take a closer look at these factors related to U.S. life insurance for foreign nationals and non-U.S. residents:

ID Type

Most residents of the United States will fall under one of three residency classifications. A green card allows someone to have permanent residency, a visa provides entrance into the country temporarily, and students can attend American schools by obtaining a student visa.

Green card holders are in the country for an extended period, so it’s relatively easy to obtain coverage. Life insurance for H-1B visa holders is also available, but additional steps are required.

Those with student visas will find obtaining coverage the most difficult of the three classifications.

Residency

Life insurance companies require applicants to reside in the country for an extended period to obtain coverage. Applicants must have a substantial presence in the country before being considered eligible.

Most life insurance companies consider one year of residency to be a substantial presence. Other companies might require up to five years. Residents for less than a year are classified as non-residents and will have limited coverage options.

Home Country

Many life insurance companies consider the home country of an applicant when determining eligibility. The primary factor in determining life insurance eligibility is how risky a person is to insure. Living in some countries is considered riskier, making it more difficult to obtain coverage.

Citizens of some countries are excluded from coverage by the U.S. State Department. Life insurance companies can’t approve applicants from North Korea, Iran, or Syria for coverage.

Life insurance for undocumented immigrants is also available. However, applicants must reside in the U.S. and have a U.S. bank account.

Life insurance for U.S. citizens living abroad doesn’t change when a person leaves the country. However, they must obtain coverage while in the U.S., and it can be hard to receive approval while living overseas.

How can you apply to life insurance companies that specialize in non-U.S. citizen life insurance coverage?

When applying for life insurance as a non-U.S. citizen, you’ll need to provide documentation. The following are the documents that you must provide before being considered for eligibility.

  • Copy of residential status document – The company will require a copy of your green card, visa, or student visa.
  • Foreign resident questionnaire – The questionnaire requests basic information about your health, employment status, and travel history.
  • Social Security number – You can provide an individual taxpayer identification number if you don’t have a Social Security number.
  • State-specific documentation – Some states require additional documentation to confirm your residency within the state.

After providing all necessary documentation, you’ll find out the life insurance companies’ rates that specialize in non-U.S. citizen life insurance coverage.

What You Need to Know About Life Insurance Companies That Specialize in Non-U.S. Citizen Life Insurance Coverage

Most non-citizens of the U.S. can find life insurance coverage if they live in the country for more than a year. But eligibility depends on your residential status. Knowing about life insurance companies that specialize in non-U.S. citizen life insurance coverage will help you determine if you qualify.

Now that you know about life insurance companies that specialize in non-U.S. citizen life insurance coverage, enter your ZIP code below to get free life insurance quotes in your area.