Requirements to get life insurance with an H1B visa

Have you tried to secure life insurance with an H1B visa? Have you been turned down for coverage because you are not a permanent resident? Well, if this is the case, you came to the right place. In this post, we will outline some of the key topics that every H1B visa holder should consider when securing a life insurance policy in the US.

We will cover this topic in length. You can use the quick links to take you to the part of the post that you are most interested in.

What we will cover

This is a good time to mention that we specialize in helping foreign nationals find the coverage they need. We take the time to ask all of the right questions and match you with the right carrier the first time. It takes nothing, but a few minutes to reach out to us and let us protect what matters the most.

Let’s dive in…

Options for life insurance with H1B visa

As you probably know, there are 2 big groups of life insurance available in the US: term life insurance and permanent life insurance. Below is a quick overview of the 2 major groups:

Term policies – As the name suggests, it offers temporary insurance. It provides you with coverage for a specific time frame – 10, 20, or even 30 years. This is a very straightforward type of life insurance and is the lowest-priced cost option.

Permanent insurance – it provides lifelong coverage. There are several different types of permanent life insurance. Some can be focused on simply providing lifelong coverage at the lowest price possible, while others offer the feature of building cash value as well.

*Please keep in mind, that some companies offer ONLY permanent options for non-permanent residents.

As a H1B visa holder, you can typically qualify for either of the options, if you apply with the right company. Many clients have asked us which option is better: term or permanent. Therefore, we have created a very comprehensive guide on the: The best life insurance for H1B visa holders.

We’ve outlined a complete guide listing your life insurance options with an H1B visa. We’ve covered what are your options, and things to consider, and answered the most common questions.

Now let’s turn our attention to the requirements to get life insurance in the US, in other words, what are the companies looking for when reviewing your application?

What companies are looking for when reviewing an H1b Visa holder’s application


In this section, we will break down all 10 things that companies will look into when approving your application.

Please note that every company is different and it is important to work with an agency that understands the underwriting guidelines and will be able to match you with the best company for you.

Inforgraphic on the topic of life insurnce with H1B visa

1. Hold a valid H1B

To qualify for this type of coverage, your visa needs to be valid and expire more than 60 days from the application date. Oftentimes, companies will require to see a copy of your I -797 approval. Please know that there are companies who will be able to approve your application, even if your H1B visa has expired. Keep reading to learn more.

2. How long you have been in the US

Companies also look at how long have you been in the US. Many of them will have a minimum requirement before they can even consider your application. With some companies, the minimum you need to be living in the US is 8 months, while for others it is 12 months. Please note, there are companies that will require you to be in the US for over 5 years before they can offer you coverage.

3. Is your intend to stay in the US or move abroad

International travel is something that the companies look very closely. If you are planning on traveling outside of the US or even moving abroad, you will need to disclose this on the application. We have created a separate guide on how international travel affects your life insurance.

4. What is your country of origin

This is important for several reasons:

The first one is that there are countries not allowing their residents to purchase life insurance outside of their home countries. As of the time creating this article, some of these countries are:

Argentina  Hungary Portuglal
Belgium Ireland Puerto Rico
Canada Italy Singapore
Canary Islands JapanSpain
Costa Rica LuxembourgSwitzerland
Czech Republic MaltaUnited Arab Emirates
France MonacoUruguay
 Greece NetherlandsSaint – Kitts
BahamasU.s. Virgin Islandetc.

The second reason is that there are countries that are considered too dangerous. In other words, there might be a higher risk. Here is just an overview of some of these countries. Please keep in mind that this list is not all-inclusive and changes often as the world condition changes. 

Afghanistan Haiti Niger
Albania Honduras North Korea
Algeria Iran Western Sahara
Angola Iraq Western Sahara
Armenia Ivory Coast Zambia
Azerbaijan Nicaragua  Zimbabwe and etc


5. What is your occupation

This is another important factor when companies are reviewing your application. They could deny your application if it falls into one of several categories:

  • Politicians or government employees (including family and close business associates)
  • Judges
  • Public or private, police personnel
  • Military personnel
  • Trade union officials
  • Journalists
  • Missionaries or proselytizers
  • Private pilots and/or crew members
  • Celebrities, prominent, famous, or public figures
  • Professional athletes (NFL, NHL, NBA, or MLB)
  • Individuals listed on the Treasury Department’s Office of Foreign Assets Control (OFAC) list

6. What are your financial ties to the US

Companies take this very seriously. They want to ensure that you have financial ties to the US. Some of these include employment in the US, being married to a US citizen, owning a real estate property etc. 

7. Social Security Number and a US bank account

You need to have an SSN to apply for a life policy. Several companies would accept an ITIN instead. ITIN stands for Individual Taxpayer Identification Number. You can apply online through the IRS website.

We have created a complete guide on life insurance with ITIN. Also, we have answered the question if life insurance with ITIN is more expensive.

Also, life insurance companies will require a US bank account that has been opened for more than 6 months.

8. Must comprehend the English language

Companies want to ensure that you understand all of the terms and conditions of the policy.

9. Health/lifestyle qualification

On top of foreign residency, you would need to otherwise qualify to purchase life insurance. In other words, companies would ask about your health, medical history, and lifestyle.

10. Copy of your medical records

It is a common requirement for companies to request a copy of your medical records. This requirement is irrelevant to your immigration status. They simply want to review your medical history for additional information.

If all of your medical records are from your country of origin, please keep in mind that you might have to request them and get them translated into English. 

How we help you get covered (why work with us)

We specialize in life insurance for foreign nationals. Over the years, we have helped hundreds of families secure coverage whether they are here on H1B or H4 visas, F-1 visas, TN visas, or no visa at all.

We understand that you have the option to work with other brokers, but here’s what makes us different:

  • We specialize in finding foreign nationals to find the coverage they need. We’ve taken the time to research all of the available options and companies.
  • Coordinate the entire process from start to finish – you will have an entire team working on your application. You can always reach out to us and talk to a person.
  • We ask the right questions to pre-determine your eligibility. We are strong believers that by taking that extra time, we would save you a lot of time, frustration, and of course money.
  • We match you with the right company – this is where expertise, experience, and professionalism come together. 

What if you don’t qualify

If for some reason, you don’t meet any of the requirements or we discover you don’t qualify for a policy, we have 2 separate options that you might want to consider.

Solution 1:

If your visa is expired or you are not able to renew, we’ve created a separate outlining the available options for undocumented immigrants.

Solution 2:

Please keep in mind that if you are not able to qualify for coverage due to residency status and /or health reasons, we have access to a guaranteed issue product. It allows you to get life insurance coverage without asking a single question about your visa and health.

We also have access to a carrier offering global life insurance.

In conclusion,

When it comes to life insurance with an H1B visa, we have the company contracts and the answers. You will have options for coverage. It is important to work with an agency that specializes in life insurance for non-permanent residents, so you can find the best carrier for you.

We hope you find this helpful. Please reach out to us and let us get you the coverage you need. 

Thank you!