Foreign Nationals & Visa Holders Estate Tax Protection H-1B · L-1 · EB-5 · E-2 · TN · Green Card

Life Insurance for Foreign Nationals in Texas Your Visa Has an Expiration Date. Your Family’s Protection Shouldn’t.

Whether you’re on an H-1B, L-1, TN, E-2, or EB-5 visa — or you hold a green card — we match your immigration status, country of origin, and financial goals to the right carrier on the first application. No SSN required. Coverage stays in force worldwide.

Check My Eligibility & Rates Call (972) 696-9995
75+ Carriers Compared
$60K NRA Estate Tax Exemption
6,883 H-1B Approvals in Frisco (2020–25)
$0 Cost for Your Quote
Visa-Matched Carrier Selection

Not every carrier accepts every visa type. We know which insurer fits your H-1B, L-1, EB-5, E-2, or TN profile — before anyone says no.

The $60,000 Estate Tax Trap

Non-residents get a $60K exemption vs. $15M for citizens. Life insurance death benefits are generally exempt — bridging that gap tax-free.

Worldwide Portability

Your policy stays in force globally — even if you leave the U.S. Employer group coverage can’t do that. Individual coverage can.

No SSN? No Problem.

Multiple carriers accept an ITIN or W-8BEN in place of a Social Security Number. We identify which ones fit your documentation.

Coverage Matched to Your Immigration Status

Your visa type determines which carriers will accept your application and which products are available. Here’s what we place for foreign nationals every day.

Most Popular Term Life for Visa Holders Maximum death benefit at the lowest cost. Portable worldwide — stays in force even if you leave the U.S. or change employers. Conversion privilege locks in future insurability.
H-1B L-1 TN E-2 Green Card
Wealth Building Cash Value & IUL Permanent coverage that builds tax-advantaged cash value in U.S. dollars. Ideal for currency diversification, creditor protection, and generational wealth transfer.
H-1B (3+ yrs) EB-5 Green Card
Estate Protection Estate Tax Liquidity Bridges the $60,000 non-resident estate tax exemption gap. Death benefit pays tax-free to your beneficiary — outside probate, shielded from the 40% federal estate tax.
EB-5 E-2 NRA w/ U.S. Assets
Fast Track No-Exam Options Accelerated underwriting for qualified visa holders. Some carriers issue policies in days — no medical exam, no blood draw, no waiting. SSN not required; ITIN accepted.
H-1B L-1 Green Card
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Built for the Families Building North Texas

“We started The Agent’s Office® in Frisco because this is our community. Thousands of families here came to North Texas on a visa, built careers, bought homes, and are raising the next generation. They deserve an agent who understands that a life insurance application with the wrong carrier isn’t just a denial — it’s a record that follows you. We match first, apply once, and get it right.”

GA
George & Mayra Azide Founders, The Agent’s Office® · Frisco, Texas

Foreign National Life Insurance FAQs

Can foreign nationals get life insurance in Texas?
Yes. Foreign nationals including H-1B, L-1, TN, E-2, EB-5 visa holders, and green card holders can purchase both term and permanent life insurance in Texas. Eligibility varies by carrier and depends on your visa type, length of U.S. residency, and country of origin classification.
Do I need a Social Security Number to buy life insurance as a foreign national?
No. Several carriers accept an Individual Taxpayer Identification Number (ITIN) or a W-8BEN form in place of an SSN. An independent agent can identify which carriers accommodate your specific documentation.
What is the $60,000 estate tax trap for foreign nationals?
Non-resident aliens receive only a $60,000 federal estate tax exemption on U.S. assets, compared to $15,000,000 for U.S. citizens. Assets above that threshold — real estate, stocks, bank accounts — face taxes up to 40%. Life insurance death benefits are generally exempt from this tax, making life insurance one of the most effective estate protection tools for foreign nationals with U.S. assets.
Does life insurance stay in force if I leave the United States?
Most individually owned life insurance policies remain in force worldwide as long as premiums are paid, regardless of where you live. This is the critical advantage of individual coverage over employer group life insurance, which ends when employment ends.

Foreign National Insurance Resources

Privacy Note: Life insurance is deeply personal — especially when immigration status is involved. We treat your visa documentation, health details, and financial information with the highest level of confidentiality and security. Nothing is shared without your explicit consent.
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