Life insurance for Foreign National and Foreign Travel

Are you a U.S. citizen?

One of the first questions a life insurance company will want to know if you are a Foreign National or plan on doing Foreign travel, is if you are a United States citizen?

If not, here are some of the questions you will need to answer:Life insurance for foreign nationals and foreign travel

  • Are you a permanent resident (holder of a permanent resident card)
  • If yes, please list your permanent resident number
  • If no, please list the type of visa you hold? How long have you lived in the United State?
  • Your full name as stated on the Permanent Resident Card or Visa.
  • Date of issue on your permanent resident card or Visa.
  • Date of expiration on your permanent resident card or Visa.
  • Country of Birth
  • Do you own a home in the United States?
  • If yes, you will need to provide the address.
  • If married, does your family live with you in the United States?

If the answer to the first question of yes you are a United States citizen then here are some of the typical questions you will to answer:

  • Are you employed in the United States?
  • If no, you will need to provide source of income while living in the United States.

Other questions that might come up for foreign nationals or those who are traveling to a foreign country are:

  • Do you plan to travel outside of the United States in the next two years?
  • Where do you plan to travel?
  • What is the purpose of your travel. In other words, is it foreign business travel or foreign pleasure travel?
  • How often do you travel?
  • Average period of time for each trip?
  • What was the date of your last trip?

Why do life insurance companies need this information?

If you have never applied or purchased life insurance before you may be curious why a life insurance companies needs this information. Life insurance companies evaluate risk for each person applying for coverage.

As you probably are aware a couple of factors make up the most important factors when evaluating risk. Your age, your sex, your medical history are the primary underwriting factors that determine your rates.

But, a life insurance company also has to take into consideration other factors such as do you possibly do rock climbing or race cars or in this case travel overseas to potentially dangerous parts of the world.

Do all life companies look at foreign nationals and travel the same?

With over 1,000 life insurance companies in the United States you can expect most companies to underwrite risk about the same. But, not all do. In fact, just like some life insurance companies are less expensive for people with diabetes, heart disease or history of cancer, some companies also specialize in better rates for foreign nationals and those that do foreign travel.

How to find the best companies for foreign nationals and foreign travel

In most cases, it takes too much time for one individual to call around and find out who are the best carriers. So, since this is a specialty niche area of life insurance underwriting, you need an agent or agency that specializes also. An independent life agent should have access to hundreds of carriers in the life insurance arena.

If the agent is experienced, or has been in business for many years, he will also be able to know which particular company would look at your situation the most favorable, since they have probably had several people in the past that have applied for coverage that were foreign nationals.

In addition to the information needed above regarding the citizenship and foreign travel here are the other most common questions and underwriter will need to evaluate you for protection:

  • Date of birth
  • Male or female
  • Tobacco use in last 5 years
  • Height/weight
  • Are you currently taking any prescription medications
  • Have you experienced any major medical history such as diabetes, heart disease, cancer, etc.
  • Amount of protection needed
  • Plan of coverage needed? Term, whole or universal life?

Once the above information is collected, a good agent should be able to offer you several alternatives for protection.


If you are a Foreign National or plan on doing some foreign travel and would like to know your options for life insurance protection, contact us at 1-888-393-9003 or by email at

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Call, text, email or fill out our instant quote form:

Call: 678-207-8160
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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

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Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

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Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

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Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

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Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

We work with individuals across the nation to secure the best life insurance rates.

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