The Life Agency provides competitive life insurance premiums from highly rated Life Insurance Companies to Foreign Nationals and Visa Holders. 

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​Complete a "Life Insurance Quote Request" for a detailed personalized life insurance illustration based on your specific situation and needs. We have competitive options for individuals without a Green Card. Call The Life Agency at 800-276-0508 with questions or assistance.
​Non US citizens may experience difficulty obtaining life insurance in the United States. It is important to work with an Independent Life Insurance Agent who specializes in helping Foreign Nationals and Visa Holders obtain life insurance from Companies based in the United States.

Not all life insurance companies use the same underwriting criteria when reviewing applications from individuals with an H1B or other visa types. Most life insurance companies will accept applications from permanent residents/Green Card Holders but only a limited number of companies will accept life insurance applications from H1B Visa Holders.

Contact Chris D. Vander Galien today for a competitive life insurance quote. 

Testimonials

"Thanks for the update and your professional work along the way. I truly appreciate it." (H1B visa holder/China)

"Really appreciate all your help with this process. We had a great experience working with you." (H1B visa holder/India). 

"Chris, Thanks a lot for your help."  (Green Card Holder/China).

"Great - thank you so much!" (H1B visa holder/India). 

"Thanks  Chris for your help." (H1B visa holder from India). 

Definitions and Visa Types

1. Foreign National: A person who is not a citizen of the host country in which he or she is residing.

​2. Green Card Holder: A person who has permission to live and work in the U.S. 

3. Expatriate (Expat): A Person residing in a country other than their citizenship. 

4. EAC/EAD: Employment Authorization Card. This card must be accompanied by an acceptable visa. 

5. H1B Visa: Specialty Worker.

6. H4 Visa: Spouse and Children of an H1B Visa Holder. 

7. F1 Visa: Academic Student. ​

General Requirements

1. A minimum of 2 years permanent U.S. Residency.

2. A U.S. Issue Visa (other than one allowing temporary visitation  only).

​3. A U.S. issued social security number.

4. U.S. Based Assets.

5. Health care established and preformed in the U.S. 

6. Meet the companies medical underwriting requirements.

7. Income source to pay the premium.

8. The entire insurance process must take place in the U.S. 

9.  Details to foreign travel activity. 

10. Generally, Politicians, missionaries, public figures, government leaders or any high-profile occupation will not be considered.

11.  Certain countries do not allow their permanent full-time residents to purchase life insurance outside of their country.  Life Insurance Companies may not offer coverage due to current U.S. legal restrictions.