If you’re looking for life insurance for green card holders or foreign nationals, you’ve come to the right place. Shopping for life insurance can be intimidating for many immigrants. They want to protect their income, homes, and families, but don’t want to be taken advantage of by a sneaky life insurance salesman.
We help immigrants and foreign nationals get life insurance they need and deserve every day. We’ll find protection that fits your budget to make sure your family and businesses are taken care of upon your death.
Can I get life insurance if I am a green card holder or foreign national?
Yes. If you have a green card, you can qualify for insurance plans available to all United States citizens. This is good news, as you can qualify for the best rates, with the best companies, with the quickest underwriting and approval process.
What if I have a green card and my spouse does not…can we both get life insurance?
If you have a green card, and your spouse has an ITIN (Individual Taxpayer Identification Number), then we can help you and your spouse purchase life insurance. If your spouse or partner is undocumented and has no ITIN or TIN document, then we will have to wait until your spouse has this government document. Once your spouse has an ITIN number, we can help them purchase affordable life insurance.
Because your spouse cannot get life insurance due to citizenship or undocumented status, that does not mean you should not buy life insurance. We recommend you buy life insurance as soon as possible.
Life insurance rates depend on age and health. Every year you wait to buy life insurance results in the cost of the insurance being more expensive. If you are diagnosed with an illness or medical problem, it will also increase the cost of your life insurance.
The best time to purchase life insurance, if you are an immigrant or foreign national, is right now at your youngest age and at your best health.
What are some reasons a green card holder should not buy life insurance?
We really can’t think of any, but there are reasons we often hear why people delay purchasing life insurance:
It’s too expensive.
Life insurance is affordable. If you’ve been quoted an expensive rate in the past for life insurance, you likely had an inexperienced life insurance agent working for you or an agent who only worked for one insurance company.
We have access to over 40 insurance companies, and we can get you the best life insurance pricing.
I don’t need it.
You don’t need it, but your family will when you die. We have met no one who could give us the exact date and time of their death. Unless you know when you will die, having an affordable life insurance plan solves many problems for your family’s future needs.
When you die, your income dies with you. Statistics show most families lose their home in the 1 to 2 years following the death of an income producing spouse or partner in the home.
Families are displaced, children must be relocated to new schools, vehicles and other assets must be sold, and education and retirement investing are often eliminated.
Having an affordable life insurance policy eliminates these terrible things from hurting your family.
It takes too much time.
The insurance companies have done an amazing job of speeding up the application and underwriting process over the years; applying for life insurance has never been quicker or easier to qualify than it is today.
Many insurance companies are offering preferred rates with no medical exams. For most people, this means the application process requires only about 30 minutes on the phone.
I’m too old, and it will be expensive.
Although the older you get the more expensive life insurance becomes, it still pays to shop around. Having a small life insurance policy is better than having none, and we can almost always find protection that is affordable and will fit your budget.
We offer free quotes over the phone, so if you’re unsure about how much life insurance will cost at your current age, just call us.
I have medical problems and won’t be able to qualify for life insurance.
We work with many life insurance companies that will accept you with your current medical issues. Often, green card holders and foreign nationals think their medical problem will increase their life insurance premium, when it will not.
For standard level life insurance pricing, many health ailments, such as high blood pressure, thyroid disorder, diabetes, and other medical problems, are within the underwriting guidelines for these policies.
Insurance companies also view health problems differently. You may be rated as a standard health rating at one company and a preferred health rating at another company. The preferred health rating will save you money on a monthly and yearly basis.
I don’t understand which life insurance will be best for me.
We don’t expect you to; that’s why we are here to help you understand your life insurance options. Life insurance is not a one size fits all product. We are experts in helping determine what will be the right choice for you and your family for purchasing the proper life insurance policy.
I’m worried my life insurance money will be taxed.
Life insurance money that your family receives after your death is not taxed. If you purchase a $250,000 policy, and you die, your family will receive $250,000 tax-free to protect the home, assets, family, children’s education, and other financial needs.
I’m not comfortable purchasing life insurance over the phone.
That is unfortunate, as very few people are experts in immigrant life insurance, foreign national life insurance, or visa holder life insurance.
You will not likely have an immigration life insurance expert in your geographic location. We help people throughout the United States get the life insurance and financial protection they need. We can help you; you just have to pick up the phone and call us.
While purchasing life insurance may seem overwhelming at first, we make the process easy. Protecting your family or business is one of the most important things you will do in your lifetime.
It’s important to get it right; we are experts in helping green card holders and foreign nationals get the affordable protection they need.
Call us today at (888) 630-9422 and we will find you the best life insurance protection for your needs.