{"id":11112,"date":"2026-11-06T03:42:53","date_gmt":"2026-11-06T03:42:53","guid":{"rendered":"https:\/\/nrcpas.com\/life-insurance-guides\/key-person-insurance\/do-you-have-to-be-a-u-s-citizen-to-obtain-life-insurance\/"},"modified":"2026-11-06T03:43:01","modified_gmt":"2026-11-06T03:43:01","slug":"do-you-have-to-be-a-u-s-citizen-to-obtain-life-insurance","status":"publish","type":"page","link":"https:\/\/nrcpas.com\/life-insurance-guides\/key-person-insurance\/do-you-have-to-be-a-u-s-citizen-to-obtain-life-insurance\/","title":{"rendered":"U.S. Citizen Life Insurance Rules | NR CPAs in Miami"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-dark chg-hero\" style=\"min-height:460px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-80 has-background-dim wp-block-cover__gradient-background has-background-gradient\" style=\"background:linear-gradient(90deg,rgba(32,36,46,1) 0%,rgba(32,36,46,1) 55%,rgba(32,36,46,0.7) 100%)\"><\/span><img class=\"wp-block-cover__image-background wp-image-11110\" alt=\"Desk with insurance paperwork, a calculator, and a pen for reviewing life insurance rules.\" src=\"https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/desk-with-insurance-paperwork-a-calculator-and-a-pen-for-rev-photo.jpg\" width=\"1376\" height=\"768\" srcset=\"https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/desk-with-insurance-paperwork-a-calculator-and-a-pen-for-rev-photo-150x150.jpg 150w, https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/desk-with-insurance-paperwork-a-calculator-and-a-pen-for-rev-photo-300x167.jpg 300w, https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/desk-with-insurance-paperwork-a-calculator-and-a-pen-for-rev-photo-768x429.jpg 768w, https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/desk-with-insurance-paperwork-a-calculator-and-a-pen-for-rev-photo-1024x572.jpg 1024w, https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/desk-with-insurance-paperwork-a-calculator-and-a-pen-for-rev-photo.jpg 1376w\" sizes=\"(max-width: 825px) 825px, 100vw\" fetchpriority=\"high\" decoding=\"async\"\/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"chg-eyebrow has-base-color has-text-color wp-block-paragraph\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Life Insurance for U.S. Citizens | Miami, Florida<\/p><h1 class=\"wp-block-heading has-base-color has-text-color\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Understand the Rules Behind U.S. Citizen Life Insurance<\/h1><p class=\"has-base-color has-text-color wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">A CPA firm&#x27;s view of how life insurance works for U.S. citizens, from whole life and term to key person and buy-sell coverage. Insurance is offered by our licensed agent, separately from the accounting practice.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+13058723096\">Call us today<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/nrcpas.com\/contact\">Call us today<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">By Nischay Rawal \u00b7 Published November 5, 2026<\/p>\n\n<article lang=\"en\">\n\n\n<p>Citizenship and residency questions are answered by each insurer&#8217;s own underwriting rules, and a coverage review with our licensed agent can help you see how they may apply to your situation. Citizenship is one factor. Insurers set their own rules, and they also look at residency, immigration status, identification and health before they issue a policy. Whether a specific application is approved depends on the facts of that application.<\/p>\n<p>This guide is for non-citizens looking at U.S. coverage, including green card holders, visa holders and nonresident Indians. It also helps family members and business owners who are researching this for someone else after a move, a visa change or an ownership change.<\/p>\n<p>NR CPAs &amp; Business Advisors is a Miami, Florida CPA firm. Nischay Rawal is the responsible agent for this page and is a licensed insurance agent. Insurance is offered by the licensed agent, separately from the accounting practice.<\/p>\n<h2>Short answer: citizenship is not the only question<\/h2>\n<p>Citizenship is one question among several. Two people with the same status can get different answers, because each insurer decides what it accepts. Four areas usually matter most:<\/p>\n<ul>\n<li><strong>Residency:<\/strong> where the applicant lives now, and for how long.<\/li>\n<li><strong>Immigration status:<\/strong> the visa or green card that shows lawful presence, if the applicant has one.<\/li>\n<li><strong>Documents:<\/strong> the identification and records the insurer asks for.<\/li>\n<li><strong>Health underwriting:<\/strong> the health questions every applicant answers. The answers affect whether a policy is issued and on what terms.<\/li>\n<\/ul>\n<p>Also, up to three people can be involved: the applicant, the insured person and the policy owner. They can have different statuses. Each person&#8217;s facts can matter.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<p class=\"wp-block-paragraph\">If visa, residency or ownership questions have you weighing coverage for a family member or business partner, our team can set up a coverage review with Nischay Rawal, a licensed insurance agent. Talk it through with our team &#8212; we can walk you through how a situation like yours is usually handled and what your options are.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+13058723096\">Schedule a coverage review<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/nrcpas.com\/contact\">Schedule a coverage review<\/a><\/div><\/div>\n<\/div>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/11\/close-up-of-a-pen-calculator-and-financial-papers-on-an-offi-photo.jpg\" alt=\"Close-up of a pen, calculator, and financial papers on an office desk.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>Why insurers ask about citizenship, residency and status<\/h2>\n<p>Insurers ask these questions to confirm who is applying, where the policy will be handled and which underwriting guidelines apply. The questions are not the same. Citizenship asks about nationality. Residency asks where a person lives. Status asks about lawful presence under immigration rules.<\/p>\n<p>Here is what the terms mean in plain words. A U.S. citizen holds U.S. citizenship. A nonresident alien is a non-citizen who does not live in the United States. Federal estate tax treats these groups differently. The estate tax applies to the taxable estate of a decedent nonresident who is not a U.S. citizen.<\/p>\n<p>Carriers differ. One insurer may accept a visa holder that another declines. The insurer&#8217;s own rules control the final decision.<\/p>\n<h2>Green card holders and other lawful residents<\/h2>\n<p>Many lawful residents can apply for life insurance. Each insurer still sets its own rules. A green card shows the insurer your lawful permanent residence. The insurer may ask for a copy, along with a passport or other identification.<\/p>\n<p>Two common types of coverage are worth knowing:<\/p>\n<ul>\n<li><strong>Term life insurance<\/strong> covers the insured for a limited period. <a href=\"https:\/\/www.finra.org\/investors\/investing\/investment-products\/insurance\">FINRA<\/a> explains that term coverage runs for a set time.<\/li>\n<li><strong>Whole life insurance<\/strong>, also called permanent life insurance, covers the insured for life and includes a cash-value feature, according to <a href=\"https:\/\/www.finra.org\/investors\/investing\/investment-products\/insurance\">FINRA<\/a>.<\/li>\n<\/ul>\n<p>Health history still matters. Applications ask health questions, and issue may depend on insurability. Holding a green card does not mean coverage is issued automatically.<\/p>\n<h2>Nonresident aliens and NRI life insurance<\/h2>\n<p>NRI life insurance is coverage for nonresident Indians and other nonresidents who want a U.S. policy. Availability depends on the insurer and on the applicant&#8217;s country of residence.<\/p>\n<p>For U.S. estate tax, life insurance on a non-citizen nonresident is treated differently from other assets. The amount receivable as insurance on that person&#8217;s life is not deemed property within the United States (<a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/2105\">26 U.S.C. \u00a7 2105<\/a>). Under <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/2103\">26 U.S.C. \u00a7 2103<\/a>, the gross estate of such a nonresident includes only the part situated in the United States.<\/p>\n<p>Other U.S. assets still count. The <a href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/some-nonresidents-with-us-assets-must-file-estate-tax-returns\">IRS<\/a> says an estate tax return is required when a nonresident&#8217;s U.S.-situated assets exceed $60,000.<\/p>\n<p>Settle these practical points early:<\/p>\n<ul>\n<li>Where the policy will be issued.<\/li>\n<li>Which currency and address records apply.<\/li>\n<li>How premiums will be paid from abroad.<\/li>\n<\/ul>\n<h2>What an application may ask for<\/h2>\n<p>An application usually asks for identification, residence details and health history. Examples include a passport, visa or residence documents, and a taxpayer identification number. The insurer&#8217;s list controls, so treat this as a general guide.<\/p>\n<p>Florida law also sets consent rules. A contract on a person&#8217;s life generally may not be carried out unless the insured, having legal capacity to contract, applies for it or consents to it in writing on or before the time of entering into the contract, with listed exceptions (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.404.html\">Fla. Stat. \u00a7 627.404<\/a>). Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.404.html\">Fla. Stat. \u00a7 627.404(5)<\/a>, a contract of insurance on a person may not be carried out unless, on or before the time the contract is entered into, the insured person, who has legal capacity to contract, applies for or consents in writing to the contract and its terms. Group life insurance, group or blanket accident, health, or disability insurance, and prepaid funeral contracts are excluded from this requirement. A person with an insurable interest in the life of a minor younger than 15 years of age, or a person on whom such a minor depends for support and maintenance, may obtain a policy on the minor.<\/p>\n<p>Insurable interest is another point. A person generally may not buy coverage on another person&#8217;s life unless the benefits are payable to that insured or to someone with an insurable interest when the contract is made. That same statute covers family members closely related by blood or law who have a substantial interest engendered by love and affection.<\/p>\n<p>Missing or inconsistent information can slow an application down. Check that names, dates and addresses match across every document.<\/p>\n<h2>Estate tax and ownership questions to raise early<\/h2>\n<p>Who owns the policy and who receives the money can change the tax result. Under <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/2042\">26 U.S.C. \u00a7 2042<\/a>, insurance receivable by beneficiaries other than the executor is included in the gross estate to the extent of the amount receivable by those beneficiaries if the decedent possessed incidents of ownership at death, exercisable alone or together with another person. <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/2042\">IRC \u00a7 2042<\/a> reads: &#8220;For purposes of the preceding sentence, the term \u201cincident of ownership\u201d includes a reversionary interest (whether arising by the express terms of the policy or other instrument or by operation of law) only if the value of such reversionary interest exceeded 5 percent of the value of the policy immediately before the death of the decedent.&#8221;<\/p>\n<p>Incidents of ownership cover more than the legal title. They include the power to change the beneficiary, surrender or cancel the policy, assign it, or borrow against its cash value (<a href=\"https:\/\/www.ecfr.gov\/on\/2026-10-01\/title-26\/section-20.2042-1\">26 C.F.R. \u00a7 20.2042-1<\/a>).<\/p>\n<p>Citizens and nonresidents follow different rules, so ownership needs a review against both sets of rules. A CPA&#8217;s view of tax and cash flow helps line up the premiums, the ownership and the estate plan before anyone applies. Estate planning life insurance works best when those pieces agree.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; we can walk you through how a situation like yours is usually handled and what your options are.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+13058723096\">Schedule a coverage review<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/nrcpas.com\/contact\">Schedule a coverage review<\/a><\/div><\/div>\n<\/div>\n<h2>Key person and business owners who are not citizens<\/h2>\n<p>A business can generally insure a key owner or executive, and citizenship alone does not decide it. Florida law lets a business entity have an insurable interest in the owners, directors, officers, partners, managers, or key employees or key persons of the business entity or of its affiliate or subsidiary, if written consent is obtained from them before the insurance is purchased. The business must get written consent from the key person before buying the insurance (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.404.html\">Fla. Stat. \u00a7 627.404<\/a>). The business may not retaliate against or take adverse action against a key person who refuses consent.<\/p>\n<p><a href=\"\/life-insurance-guides\/key-person-insurance\/\">Key person insurance<\/a> is a policy the business owns on someone whose work or loss would affect the company. A buy-sell agreement is a written plan for what happens when an owner leaves or dies. Some owners fund that plan with life insurance.<\/p>\n<p>Review the owner, the insured and the business entity together.<\/p>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/nrcpas.com\/life-insurance-guides\/wp-content\/uploads\/2026\/10\/downtown-miami-skyscrapers-under-a-clear-blue-sky-with-pedes-photo.jpg\" alt=\"Modern skyscrapers in downtown Miami under a clear blue sky, with pedestrians crossing a bridge.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>Talk with us about your situation<\/h2>\n<p>You may be reading this after a visa change, a move abroad or a call from a relative who needs coverage. A business partner&#8217;s status may also be unclear. These situations raise real questions about who applies, who owns the policy and who is insured.<\/p>\n<p>NR CPAs &amp; Business Advisors is a Miami CPA firm that helps families, professionals and business owners choose and buy life insurance, including term, whole life, key person, buy-sell, estate planning and NRI coverage.<\/p>\n<h3>Quick answers<\/h3>\n<details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can a green card holder get life insurance?<\/summary><p class=\"wp-block-paragraph\">Often yes, but each insurer sets its own rules and reviews health history.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can a nonresident alien buy a U.S. life insurance policy?<\/summary><p class=\"wp-block-paragraph\">Some insurers offer coverage to nonresidents. Availability depends on the insurer and the applicant&#8217;s country of residence.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Is life insurance counted in a nonresident&#8217;s U.S. estate?<\/summary><p class=\"wp-block-paragraph\">Under <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/26\/2105\">26 U.S.C. \u00a7 2105(a)<\/a>, the amount receivable as insurance on the life of a nonresident not a citizen of the United States is not deemed property within the United States.<\/p><\/details>\n<p>Our team can arrange a coverage review with Nischay Rawal to go over status, documents and ownership. Our fee terms are explained in writing before any engagement. <a href=\"https:\/\/nrcpas.com\/contact\">Contact our team<\/a> to request a coverage review.<\/p>\n\n<\/article>\n<footer class=\"disclaimer\"><em>NR CPAs &amp; Business Advisors, LLC, 782 NW 42nd Avenue, Suite 534, Miami, FL 33126. Life insurance is offered by Nischay Rawal, a Florida-licensed life and health insurance agent (license G066337). This page is general information about life insurance, not tax, legal or investment advice, and not an offer of any specific policy. Coverage, premiums and benefits depend on the issuing insurer&#x27;s underwriting and the policy&#x27;s terms. Policy loans and withdrawals reduce cash value and the death benefit and may have tax consequences.<\/em><\/footer>\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">What shapes your options<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--document\"><\/span><\/p><h3 class=\"wp-block-heading\">The policy form<\/h3><p class=\"wp-block-paragraph\">Each policy has its own terms, premiums, limitations and exclusions. Review the written contract, not only a summary.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--heart\"><\/span><\/p><h3 class=\"wp-block-heading\">Health history<\/h3><p class=\"wp-block-paragraph\">Insurers ask health questions and may base issue and pricing on the answers. Your history is part of the underwriting decision.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--shield\"><\/span><\/p><h3 class=\"wp-block-heading\">Insurer rules<\/h3><p class=\"wp-block-paragraph\">Each insurer sets its own eligibility standards, including standards for U.S. citizens and residents. Rules can differ from one company to the next.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--users\"><\/span><\/p><h3 class=\"wp-block-heading\">Your family and business<\/h3><p class=\"wp-block-paragraph\">The right coverage depends on who relies on your income and how a business, estate or buy-sell plan is structured.<\/p><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Check the details before you decide<\/h3><p class=\"wp-block-paragraph\">Ask how the policy&#x27;s values, premiums and exclusions are stated in writing. Dividends, where a policy offers them, are not guaranteed. Our team can walk you through the contract before you commit.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+13058723096\">Call us today<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/nrcpas.com\/contact\">Call us today<\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-surface-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">Common coverage we discuss<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Whole life insurance<\/h3><p class=\"wp-block-paragraph\">A whole life insurance policy is designed to remain in force for the insured&#x27;s lifetime, with cash value that is explained separately from the death benefit.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Term life insurance<\/h3><p class=\"wp-block-paragraph\">A term life insurance policy provides coverage for a set number of years, so it can fit a defined period of family or business need.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Key person insurance<\/h3><p class=\"wp-block-paragraph\">Key person insurance helps a business plan for the financial effect of losing an owner or essential employee.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Buy-sell agreement insurance<\/h3><p class=\"wp-block-paragraph\">Buy-sell agreement insurance can help fund the transfer of an owner&#x27;s share when a covered owner dies, as set out in the agreement.<\/p><\/div><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-primary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--primary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">Protect your loved ones with a coverage review<\/h2>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+13058723096\">Call us today<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/nrcpas.com\/contact\">Call us today<\/a><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/life-insurance-guides\/key-person-insurance\/key-person-insurance-medical-dental-practice\/\">Key Person Insurance for a Medical or Dental Practice: Protecting the Revenue a Provider Generates<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/life-insurance-guides\/key-person-insurance\/documents-insurer-asks-key-person-coverage\/\">What Does an Insurer Ask When a Business Applies for Key Person Coverage?<\/a><\/li><li><a href=\"\/life-insurance-guides\/key-person-insurance\/documents-needed-key-person-life-insurance\/\">What Documents Do I Need to Set Up Key Person Life Insurance?<\/a><\/li><li><a href=\"\/life-insurance-guides\/key-person-insurance\/does-company-need-employee-consent-key-person-life-insurance\/\">Does My Company Need the Employee&#x27;s Written Consent to Buy Key Person Life Insurance?<\/a><\/li><li><a href=\"\/life-insurance-guides\/key-person-insurance\/does-it-matter-who-the-owner-of-a-life-insurance-policy-is\/\">Does it matter who the owner of a life insurance policy is?<\/a><\/li><li><a href=\"\/life-insurance-guides\/key-person-insurance\/does-key-person-insurance-pay-if-insured-dies-abroad\/\">Does Key Person Insurance Pay If the Insured Dies While Living Abroad?<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>Citizenship isn&#8217;t always the only test for life insurance. See how residency, status, documents and ownership can affect an application.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":16,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"[{\"hreflang\": \"en\", \"href\": \"https:\/\/nrcpas.com\/life-insurance-guides\/key-person-insurance\/do-you-have-to-be-a-u-s-citizen-to-obtain-life-insurance\/\"}, {\"hreflang\": \"es\", \"href\": \"https:\/\/nrcpas.com\/life-insurance-guides\/es\/seguro-persona-clave\/necesitas-ser-ciudadano-de-eeuu-seguro-de-vida\/\"}, {\"hreflang\": \"x-default\", \"href\": \"https:\/\/nrcpas.com\/life-insurance-guides\/key-person-insurance\/do-you-have-to-be-a-u-s-citizen-to-obtain-life-insurance\/\"}]","chg_jsonld":"[{\"@context\": \"https:\/\/schema.org\", \"speakable\": {\"@type\": \"SpeakableSpecification\", \"cssSelector\": [\"article > p:first-of-type\", \".wp-block-details p\", \"article > h1\"]}, \"about\": [{\"@type\": \"Thing\", \"name\": \"Life insurance\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Life_insurance\"}, {\"@type\": \"Thing\", \"name\": \"Term life insurance\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Term_life_insurance\"}], \"mentions\": [{\"@type\": \"Thing\", \"name\": \"Whole life insurance\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Whole_life_insurance\"}, {\"@type\": \"Thing\", \"name\": \"Key person insurance\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Key_person_insurance\"}, {\"@type\": \"Thing\", \"name\": \"Buy-sell agreement\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Buy\u2013sell_agreement\"}, {\"@type\": \"Thing\", \"name\": \"Cash value\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Cash_value\"}, {\"@type\": \"Thing\", \"name\": \"Underwriting\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Underwriting\"}, {\"@type\": \"Thing\", \"name\": \"Insurance policy\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Insurance_policy\"}, {\"@type\": \"Thing\", \"name\": \"Beneficiary\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Beneficiary\"}, {\"@type\": \"Thing\", \"name\": \"Estate tax in the United States\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Estate_tax_in_the_United_States\"}, {\"@type\": \"Thing\", \"name\": \"Estate planning\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Estate_planning\"}, {\"@type\": \"Thing\", \"name\": \"Disability insurance\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Disability_insurance\"}], \"author\": {\"@type\": \"Person\", \"name\": \"Nischay Rawal\", \"url\": \"https:\/\/nrcpas.com\/author\", \"jobTitle\": \"Managing Partner, CPA, EA and Licensed Life Insurance Agent\", \"sameAs\": [\"https:\/\/licenseesearch.fldfs.com\/Licensee\/2306161\", \"https:\/\/www.myfloridalicense.com\/portalsearches\/VerifyLicensee\/LicenseDetail?ID=D6E76E58125054CFA98C8D92AF9DBC44\", \"https:\/\/www.taxbuzz.com\/florida\/miami\/nr-cpas-and-business-advisors-llc\", \"https:\/\/x.com\/nrawal786\", \"https:\/\/www.linkedin.com\/in\/nischay-rawal-cpa-ea-22741924a\/?isSelfProfile=false\"], \"worksFor\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/nrcpas.com\/life-insurance-guides\/#organization\", \"name\": \"NR CPAs & Business Advisors\", \"url\": \"https:\/\/nrcpas.com\/\"}}, \"publisher\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/nrcpas.com\/life-insurance-guides\/#organization\", \"name\": \"NR CPAs & Business Advisors\", \"url\": \"https:\/\/nrcpas.com\/\"}, \"reviewedBy\": {\"@type\": \"Person\", \"name\": \"Erika Trinidad\", \"jobTitle\": \"Accountant\", \"worksFor\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/nrcpas.com\/life-insurance-guides\/#organization\", \"name\": \"NR CPAs & Business Advisors\", \"url\": \"https:\/\/nrcpas.com\/\"}}, \"inLanguage\": \"en\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Can a green card holder get life insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Often yes, but each insurer sets its own rules and reviews health history.\"}}, {\"@type\": \"Question\", \"name\": \"Can a nonresident alien buy a U.S. life insurance policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Some insurers offer coverage to nonresidents. 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