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Life Insurance for Foreign Nationals

For purposes of this article on life insurance for foreign nationals, a FOREIGN NATIONAL is a non-U. S. Citizen, which in turn could be either a Resident Alien, or a Non-Resident Alien.

U. S. Tax Rules Applying to Foreign Nationals With Property In the U. S

A different set of rules apply to FOREIGN NATIONALS under current U. S. Estate Tax Laws, than to U. S. citizens and residents. These differences could result in substantial taxes when FOREIGN NATIONALS either gift assets during their lifetime or dispose of assets upon their death. While this article is not intended to, nor does it, provide tax advice regarding taxation and estate planning relative to FOREIGN NATIONALS (for which they should consult qualified tax counsel or advisors), suffice it to say that FOREIGN NATIONALS need to be careful as to how they title property (for instance, real estate, bank accounts, investment accounts, etc.) they own in the U. S., since how the property is titled (in whose name it is owned) could be the trigger to taxation, or not. If you are a FOREIGN NATIONAL and own, or are considering to own, property in the U. S. you should consult with counsel specializing in representing and advising FOREIGN NATIONALS on these matters.

How Life Insurance Can Help The Foreign National

Now to the purpose of this article, which is life insurance for foreign nationals (which may also be referred to as international life insurance). If you are a FOREIGN NATIONAL and are considering to purchase life insurance in the U. S., for whatever reason, which may include the expectation of paying less for the premium, or accessing a better product or life insurance company, these are factors to consider:

  • Eligible individuals must have financial ties to the U. S., such as a U. S. bank or brokerage account, personally owned real estate or a personally owned business
  • Such assets must have been held for at least one year prior to the date of the application for life insurance.
  • Certain individuals or entities may not be eligible, such as, judges, journalists, private pilots, politicians or governmental employees, public or private police personnel, missionaries, military personnel, or professional athletes.
  • Any individual who does not have a meaningful connection to the U. S., is not eligible.
  • An individual who lives in a country listed on the U. S. State Department Travel Warnings List, may not be insurable.
  • Individuals who live in countries that are at war with the U. S., may not be eligible.
  • Individuals who live in countries with increased risk due to terrorism, uprisings, or political instability, may not be eligible.
  • Individuals who live in countries experiencing famine, endemic, epidemic or pandemic diseases, may not be eligible.
  • Individuals who live in countries where access to at least routine medical care is limited or non-existent, may not be eligible.
  • There may be other requirements depending on particular countries that could limit eligibility.


  • All solicitation and communication including delivery of marketing material must take place in the U. S.
  • The life insurance application must be signed by the owner and insured in a jurisdiction of the U. S. where the agent is properly licensed.
  • The policy must be delivered in the U. S.

Does It Sound Complicated?

While the above may appear challenging, we can help you navigate through the process and, also, if you need it, put you in contact with tax counsel specializing on this matters.

Call us at our Toll Free (in the U. S.) Number (888) 950-8376, or go to Contact Us .

NOTE: the information provided in this article, or post, should not be construed as legal advise. If you are a foreign national and would like to further explore how to go about purchasing life insurance from a U. S. life insurance company, you should consult your financial advisor, legal advisor, or call us at our Toll Free Number (888) 950-8376.