April 24, 2026

Helping Foreign Nationals Secure Life Insurance—With Confidence

Placing life insurance for foreign nationals doesn’t have to be complicated—with the right underwriting expertise, it can be a smooth and successful experience.

While underwriting for foreign national clients is often more complex, understanding how carriers evaluate these cases can dramatically improve outcomes and set clear expectations from the start.

Who Is Considered a Foreign National?

In general, a foreign national is anyone who is not a U.S. citizen or lawful permanent resident (green card holder). This may include individuals residing outside the U.S. with American ties, U.S. citizens living abroad, temporary visa holders, and international students studying in the United States.

Because each carrier defines foreign national eligibility differently, choosing the carrier from the beginning is critical—and that’s where experience truly makes the difference.

What Underwriters Evaluate

U.S. carriers assess foreign national cases using a holistic approach. Key considerations may include:

Country of citizenship and current residence
Visa type and immigration status
Strength of U.S. ties (business, family, property, or financial interests)
Length and consistency of time spent in the United States
Occupation, income, and global net worth
Travel history and future travel plans
Purpose and justification for coverage
Medical history and access to acceptable medical records outside the U.S.

Each of these factors can impact product availability, pricing, and maximum face amounts—making expert guidance essential.

Important Requirements to Know

All policy solicitation and insurance exams must be completed within the United States. Some carriers may allow a limited Power of Attorney for policy delivery if the insured is out of the country at issue, though restrictions apply. Product options and coverage limits may also vary based on the overall risk profile.

Knowing which carriers are flexible—and which are not—can save time, avoid declines, and protect the client experience.

Partner With Experts Who Deliver Results

Foreign national underwriting takes more than product knowledge—it requires strategy, carrier insight, and proactive case management. That’s where the our Underwriting Team stands apart.

Our seasoned underwriters specialize in the complexities of foreign national cases. From identifying the most appropriate carriers to structuring cases for success, we partner with you every step of the way to help secure the best possible outcomes for your clients.

Ready to place your next foreign national case with confidence?

Canada and the United States share more than a border—they share similar lifestyles and comparable mortality risks. That insight has led a top carrier to offer underwriting guidelines designed specifically for Canadian citizens living in the U.S. and Canada—creating meaningful opportunities when cases are structured correctly.

We act as a true underwriting partner—understanding the nuances, anticipating potential obstacles, and proactively navigating each case to move it forward with clarity and confidence.