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Do You Have to be a US Citizen to Purchase Life Insurance?

Last year, 55% of Americans said that they would recommend life insurance to someone else. However, this year has seen an 11% increase, with 66% now saying the same thing. That’s great news for life insurance companies, but it also leaves too many consumers in the dark about the benefits of life insurance. And one of the most common questions life insurance companies hear is this:



If you’re not an American citizen, can you still buy a life insurance policy here in the United States?



The answer is yes, but there may be limitations. If you’re a new U.S. resident, it’s definitely possible. However, to even begin the application, you need either a Social Security Number or a Tax ID Number. If you have an immigrant visa or a green card and have been in the country for over a year, you are considered a resident. Most insurance carriers will approve you for any number of policies for a competitive price.



Say you’ve been living in the U.S. for less than a year. Insurance companies will consider you to be a non-resident. They can still approve you for life insurance coverage, but there may be a few stipulations. For instance, they might limit the amount you can apply for or require specific documents from your home country. You will also be asked a number of additional questions, including:




In order to learn more about your financial situation, the insurance company may request a W-8 or W-9 form. You will also need to provide a copy of your visa documents or green card.



So, yes, if you are a non-citizen living in the U.S. and you intend on either becoming a citizen or obtaining permanent residency, you may be eligible for a life insurance policy. The cost may be higher, the amount may be limited, and you will need to provide additional documents, but it is certainly a possibility.

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Neither Bankers Fidelity Life Insurance Company®, Bankers Fidelity Assurance Company® or Atlantic Capital Life Assurance Company™ nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you. The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance Company®, Atlanta, GA; policy form series A 22392 is issued by Atlantic Capital Life Assurance Company™, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required. Bankers Fidelity is not licensed to sell any products in CA, CT, NY or VT. Medicare Supplement products are not available in: AK, CA, CT, FL, HI, ID, MA, ME, MN, MO, NE, NH, NV, NY, OR, RI, VT, WA, or WI. Plan availability can vary by state.