Life Insurance Options for Non‑Citizens and Non‑Green‑Card Holders

Who Can Get Coverage Without U.S. Status?

Non‑citizens and non‑green‑card holders can buy life insurance in the United States, but the options are narrower than for residents. Companies that accept foreign nationals typically require a valid passport, a U.S. tax identification number, and proof of residency or travel history. They may also ask for a health assessment or a medical exam, which can affect the premium.

Top Providers for Non‑Citizens

Several insurers have established programs for people without permanent U.S. status. The most common choices are:

• **AIG** – Offers term policies up to 30 years with no medical exam for applicants under 50 if they provide a passport and proof of U.S. travel.
• **Prudential** – Provides a "Non‑Resident" term line that accepts foreign passports and a U.S. tax ID, though rates may be higher.
• **Transamerica** – Has a "Global Life" product that can be purchased by foreign nationals who hold a valid passport and have a U.S. address or a recent U.S. tax return.

Policy Types and Coverage Limits

Term life is the most common product for non‑citizens because it is easier to qualify and typically offers lower premiums. Permanent policies such as whole life or universal life are available but often require a full medical exam and can be costlier. Coverage limits vary by insurer; most offer sums ranging from $100,000 to $1,000,000, but the exact cap depends on age, health, and the applicant's country of origin.

How to Apply and What to Expect

The application process starts online or via a local agent. Applicants must provide:

• Passport details and expiration date
• U.S. tax ID (Social Security Number or Individual Taxpayer Identification Number)
• Proof of recent U.S. travel or residency, such as a lease, utility bill, or tax return

Insurers will review the application, sometimes request a medical exam, and then issue a quote. Premiums are typically paid monthly or annually, and the policy can be renewed as long as the applicant remains eligible.

Key Tips for Securing Affordable Coverage

1. **Compare multiple quotes** – Premiums can vary by 10–20% between insurers for the same coverage level.2. **Maintain good health** – A clean medical history reduces the need for a full exam and lowers rates.3. **Use a reputable agent** – Agents familiar with non‑resident policies can guide you through documentation and help avoid common pitfalls.