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Yes — foreign nationals may be eligible for U.S. life insurance, but the process is more complicated than for U.S. citizens.
✅ Basic Requirements
Most U.S. carriers require foreign nationals to:
- Hold a valid U.S. visa or green card
- Spend a significant amount of time in the U.S. each year
- Maintain a U.S. bank account and/or property
- Complete a medical exam in the U.S.
Availability and rates often vary by country of origin and country of residence. Applicants from politically stable, low-risk countries are generally viewed more favorably than those from restricted or high-risk regions.
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🌍 What to Expect in Underwriting
- Proof of legal status is required (visa, passport, or green card).
- Travel/residency patterns are scrutinized — extended time abroad may complicate approval.
- Medical history must be documented by a U.S.-based physician.
For a broader view of how health and lifestyle affect approval, see our ultimate guide to life insurance approval.
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