Welcome to Quotacy’s Q&A Friday where we answer your life insurance questions. Quotacy is an online life insurance agency where you can get life insurance on your terms. I’m Jeanna and I’m Natasha. Today’s question is: can a non-U.S. citizen buy life insurance? Yes, you can get approved for life insurance in the United States even if you are not a citizen but you’ll need the proper documentation. When we say proper documentation at minimum you’ll need a Social Security number, and a green card or valid visa. Not all insurance companies evaluate applicants in the same way. Nor do they have the same requirements. For example, while a few life insurance companies may approve an applicant with a student visa, most do not. In addition to providing proof of identification, most life insurance companies need to see substantial presence and significant interest. Substantial presence means you have to show you have been living in the U.S. for a certain length of time. Some insurance companies require you to have lived continuously in the U.S. for five years while another company may only require one year. Significant interest means showing that you intend to stay in the U.S. For example, owning a house or business are common examples of intent. There is an extra step in the approval process if you have a visa versus a green card. With a green card, it doesn’t matter which country you’re originally from; however, with a visa, your country of origin does matter. It matters because some countries have laws in place prohibiting the purchase of a life insurance policy outside an individual’s country of origin. There are a few other things to note if you are not a U.S. citizen and you’re applying for life insurance in the U.S. You will need to pay your premiums with a U.S. account. Money orders aren’t accepted. You will need to be physically in the U.S. when the policy is approved and mailed to you. Future mailings, such as premium notices, also require a U.S. mailing address. The life insurance policy’s death benefit will be paid out in U.S. funds. Because each life insurance company has different requirements when it comes to approving applications of non-U.S. citizens, your best chances of getting affordable life insurance is to apply through a broker, like Quotacy. Brokers aren’t tied to one life insurance company and are able to shop the market advocating on your behalf. Some life insurance companies are more lenient than others and your Quotacy agent can help you find the best coverage. Thanks for watching. If you have any questions about life insurance make sure to leave us a comment. And if you have any questions regarding today’s topic, check out the blog link posted below. Otherwise, tune in next week when we answer the question can I get life insurance if I’m unemployed? Bye!