Can non-citizens get life insurance in Nevada?

Many non-citizens living in Nevada can obtain life insurance, though eligibility and options depend on immigration status and how long you've been in the United States. Permanent residents (green card holders) typically have access to the same policies and underwriting as U.S. citizens.

Visa holders—H-1B, L-1, O-1, and similar work visas—can often obtain coverage if they have been in the U.S. for at least two years and can demonstrate ties to the country (home ownership, employment, U.S.-based beneficiaries). Coverage amounts may be capped at lower levels than for citizens.

Undocumented immigrants face more limited options but may be eligible for simplified or guaranteed issue policies in some circumstances. International travel history and country of birth are underwriting factors—some carriers restrict coverage for nationals of certain countries.

All applicants must have a U.S. bank account, a Social Security Number or ITIN, a U.S. address, and be present in the U.S. at the time of application. Some carriers require U.S. residency for the full term of a term policy. Agents in our network can identify carriers with the most flexible non-citizen underwriting guidelines.