{"id":8157,"date":"2026-10-30T07:33:42","date_gmt":"2026-10-30T07:33:42","guid":{"rendered":"https:\/\/nrcpas.com\/life-insurance-guides\/can-a-non-us-citizen-be-a-beneficiary-for-life-insurance\/"},"modified":"2026-10-30T07:33:42","modified_gmt":"2026-10-30T07:33:42","slug":"can-a-non-us-citizen-be-a-beneficiary-for-life-insurance","status":"publish","type":"page","link":"https:\/\/nrcpas.com\/life-insurance-guides\/can-a-non-us-citizen-be-a-beneficiary-for-life-insurance\/","title":{"rendered":"Can a Non-US Citizen Be a Life Insurance Beneficiary?"},"content":{"rendered":"\n
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Life Insurance Beneficiaries | Miami, Florida<\/p>

Naming a Non-US Citizen as Your Life Insurance Beneficiary<\/h1>

A plain-language guide from NR CPAs & Business Advisors for families, professionals and business owners with loved ones across borders.<\/p>

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By Nischay Rawal \u00b7 Published October 30, 2026<\/p>\n\n

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Can a non-US citizen be a beneficiary for life insurance? Generally, yes. Citizenship alone rarely decides whether a designation works. The policy owner, the insured, the insurable interest and the insurer’s payment rules matter more.<\/p>\n

Short answer: can a non-US citizen be named as a beneficiary?<\/h2>\n

A non-US citizen can generally be named as a life insurance beneficiary. Under Fla. Stat. \u00a7 627.404<\/a>, a person with legal capacity may buy insurance on his or her own life for the benefit of any person. Fla. Stat. \u00a7 627.404<\/a> reads: “(1) Any individual of legal capacity may procure or effect an insurance contract on his or her own life or body for the benefit of any person, but no person shall procure or cause to be procured or effected an insurance contract on the life or body of another individual unless the benefits under such contract are payable to the individual insured or his or her personal representatives, or to any person having, at the time such contract was made, an insurable interest in the individual insured.”<\/p>\n

Here are the key terms in plain words:<\/p>\n