Foreign Nationals & Visa Holders Estate Tax ProtectionH-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.
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 PopularTerm Life for Visa HoldersMaximum 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-1BL-1TNE-2Green Card
Wealth BuildingCash Value & IULPermanent 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-5Green Card
Estate ProtectionEstate Tax LiquidityBridges 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-5E-2NRA w/ U.S. Assets
Fast TrackNo-Exam OptionsAccelerated underwriting for qualified visa holders. Some carriers issue policies in days — no medical exam, no blood draw, no waiting. SSN not required; ITIN accepted.
“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.”
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George & Mayra AzideFounders, 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.
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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