US Life Insurance While Living Abroad

Written by Immigrant Life Insurance

“Can I get US life insurance if I’m living abroad?” is a frequent question we receive from potential clients. If you live in the United States, you have many life insurance choices available. If you are a US citizen, who lives abroad, or a non-US citizen residing in the United States part-time, the rules and requirements for life insurance are different.

If you are living abroad or if you have plans to leave the United States, it is essential you purchase the correct life insurance policy. If you have a policy in place, you should verify what is and is not covered by your life insurance policy.

If your current life insurance plan does not offer the coverage and protection you need while traveling and living abroad, it is important to seek a qualified professional who can help you get a new life insurance plan in place that will protect you and your unique situation.

What happens to my life insurance policy when I leave the United States?

It depends on the policy you purchased and the specific requirements or restrictions attached to your policy. A policy you purchase in the United States may, or may not, protect you when living outside the United States.

This is something you want to check before you purchase your life insurance policy. If you’ve already purchased a life insurance policy and will be living abroad, it is wise to double check the restrictions in your policy.

What kind of insurance coverage can I purchase if I live abroad?

If you’re a US citizen who lives abroad (or will be leaving shortly), there are many life insurance options available to protect your loved ones. Term life, whole life, accidental death and dismemberment, disability insurance, travel insurance, international health insurance, and even personal property insurance are available.

Why do I need life insurance while traveling abroad?

The reason you need life insurance in the United States is the same reason you need life insurance outside the United States.

In case the unthinkable happens, and you unexpectedly die, your life insurance proceeds will replace your income and assure your family is financially secure in the short and long term. Life insurance plans can also help pay final expenses, pay off personal debts, pay off business debts, pay off mortgages, pay off automobile and credit card bills, and pay off all other types of loans or credit.

The main reason people purchase life insurance is to protect their families and businesses when a loved one’s income disappears due to death. When a loved one dies, their income dies with them; employers do not continue to pay dead people.

It is up to you to protect your family or business; life insurance is the easiest and most affordable way to replace your income should you die unexpectedly.

Life insurance for non-US residents…can I get it?

Many people, who are not US citizens, live in the United States. Many of these people also have a need for life insurance. You are classified as a non-US resident if you don’t have a full-time residence in the United States, or you reside outside the United States for three months or more annually.

Your citizenship is not a factor that determines whether you are a non-US resident.

Although purchasing non-US resident life insurance sounds daunting, the good news is that most people from other countries are eligible to purchase life insurance in the United States. Insurance companies have certain requirements that must be completed:

Your life insurance policy application be completed while you are in the United States.

A medical examination is required, and your medical examination must be performed in the United States. Insurance companies will request to see your medical records from your home country; you may have to assist the insurance company underwriters in obtaining your medical records from your home country.

You must be in the United States when your life insurance policy is approved and delivered. Your policy can be mailed to you, but must be mailed to an address in the United States; the address must also be in the same state where you initially applied for life insurance policy.

Either way, mailed or delivered in person, you must be in the United States to receive your life insurance policy.

For a life insurance policy to be issued, you must have ties to the United States. You can’t simply travel to the United States on vacation and purchase life insurance. You must have some ties United States, such as family living in the country or a business in the United States.

How much life insurance can I get as a non-US resident?

If you can substantiate a need for $35-$40 million in life insurance, you can get it in the United States. However, most people don’t need that much life insurance.

A better starting point would be to ask what is the minimum life insurance I can purchase as a non-US resident? Most insurance companies require a minimum purchase amount of life insurance coverage; this amount is typically set at $250,000 by life insurance companies. This would apply to term life insurance, whole life insurance, and universal life insurance coverage.

How long will my life insurance last as a non-US resident?

If you purchase a term life insurance policy, it will last as long as the term policy is in force. Most term policies are purchased for 10, 15, 20, 25, or 30-year terms.

If you purchase a whole life or universal life policy, the life insurance policy can build cash value and last your entire lifetime (as long as you continue to pay your premiums).

For whole life and universal life, you can often access the cash value within your policy. Cash value accumulated within a life insurance policy grows over time, and you can borrow from it or withdraw from it at your discretion.

Unpaid cash value loans or withdrawals will be deducted from the life insurance death benefits paid out to the policy owner’s beneficiaries upon death.

Is important to understand the ramifications of any cash or loan withdrawals from your policy and how it will affect your loved ones. If they have a minimum amount of life insurance proceeds they will need upon your death, it is wise to monitor your entire whole life or universal life death benefit and cash balance accumulations.

For term life insurance, this does not apply, as term life policies do not accumulate cash value.

How do I get the best premiums and best coverage?

Most life insurance agents are competent in providing coverage to United States citizens. Most life insurance agents are not qualified to provide coverage to non-US citizens or citizens who travel abroad.

The ramifications of getting approved for the wrong policy when traveling or living abroad can be catastrophic to your family or your business. We recommend you only deal with experts, such as

It is important you also work with an agent/broker with access to many different insurance companies. Some insurance companies have more favorable underwriting and terms of coverage for different countries; finding the best policy need not be a chore. We will do it for you!

We work with the top-rated life insurance carriers in the United States and can find you the best policy, at the best pricing. You can contact us via telephone or fill out an online quote, and we will get in touch with you to get more specific information about your unique situation.


Life insurance is important for people living abroad. Living and working abroad places families and businesses at great risk should an unexpected death occur.

Life insurance is an affordable way to protect your family and business should the worst ever happen to you.

At immigrant life insurance, we specialize in helping people living abroad qualify for and get the best rates on life insurance. This is all we do, so we’re great at it!


We work with immigrants, visa holders, and undocumented individuals across the nation to secure the best life insurance rates.

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