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    Navigating life insurance as a foreign national

    Do you want to know what life insurance would cost you?
    Talk with your insurance professional or one of our life insurance specialists today by calling 1-855-529-2729 for a
no-obligation quote.

    Explore the types of life insurance we offer

    As a non-U.S. citizen, having a life insurance policy is an important step in protecting your family’s financial future. It can help to cover final expenses, fund education, and even leave a tax-free inheritance for the next generation.

    Nationwide® offers a broad range of life insurance products and features that are designed to meet your changing needs at every stage of life. 

    Learn more about the types of life insurance we offer and which one may be right for you.

    A married couple takes a walk with their pre-teen daughter.

    Life insurance eligibility requirements for non-U.S. citizens

    Non-U.S. citizens can apply for life insurance in the U.S. if they have a Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN). Eligibility typically depends on things such as your residency status, purpose of stay and how much time you spend outside the country.

    Document and ID Requirements

    Nationwide requires proof that you have a significant presence in the U.S. This means you'll need a valid ID, such as a visa, green card or passport, and an SSN or ITIN.

    Valid visa types:
    E1, E2, E3, EB5, H1B, H1C, H2B, H4, I5, K1, K2, K3, K4, L-1A, L-1B, O1, 02, 03, TD, TN-CA, V1, V2

    Note: Acceptable visa types vary by life insurance product.

    Approved countries list

    For non-U.S. citizens, life insurance eligibility often depends on your country of origin. Nationwide maintains a list of approved countries and assesses the current political and social stability of your home country to determine qualification.

    For a complete list of eligibility requirements, contact one of our life insurance specialists at 1-866-207-9160 or schedule a call.

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    Connect with a specialist
    Our life insurance specialists can provide estimates for term, whole life, universal life or variable universal life insurance. Call 1-866-207-9160 or schedule a call to get started.

    Frequently asked questions

    You don’t need to live in the U.S. permanently, but you may need to show that you spend a significant amount of time in the country.
    Paying premiums from abroad is often possible through various means such as automatic bank withdrawals or online payments, but do discuss this with a Nationwide life insurance specialist before making any decisions.
    Beneficiaries of life insurance policies do not necessarily need to be U.S. residents. However, benefits may only be sent to a U.S. bank account with a 9 digit routing number and may be a U.S. based bank with foreign branches.
    No, Nationwide uses application information solely for the purpose of life insurance underwriting.