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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
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Life insurance is a very important tool for families, especially for non-U.S. citizens. In case you were to die, life insurance provides a lump sum payment, or death benefit, to your loved ones. This payment can help your family financially and can be used to pay for the daily expenses, paying off home mortgage, children's education or wedding. Life insurance provides you with the financial stability and peace of mind in case of unexpected death.
Not everyone that lives in the U.S. is a U.S. citizen. There are millions of people who legally live in the U.S. on various visas for various purposes. Non-U.S. citizens primarily fall into three categories:
There are fewer companies providing life insurance to non-U.S. residents compared to what is available for Permanent Residents and U.S. residents. For non-U.S. residents, to apply for life insurance in the U.S., there are several key factors to consider.
In order to be eligible for life insurance and to get a certain category of rates, there is multiple criteria that could be applied by various life insurance companies to determine rate class, such as:
In addition to the criteria listed above, there are minimum requirements in order to apply for life insurance in the U.S. such as:
Some visa types such as A, C-3, I, S, T, U may be considered on a case by case basis. However, those of TPS or TWOV would not be eligible.
However, some companies will accept ITIN (Individual Tax Identification Number).
If that is not available, the applicants would need to complete Form W-8BEN - A certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting.
The insurance company may need your medical records from your home country in most cases, it could be helpful if you brought them with you.
If you plan to visit the U.S. just to buy the life insurance, that may not work.
While some life insurance companies don't consider your citizenship status and just provide the rates based all other criteria as long as you live in the U.S. and plan to do so for the foreseeable future, other companies will only give you the standard rating, opposed to preferred, preferred plus or preferred best rating.
While underwriting life insurance, many companies consider the country of residence or the country where you plan to travel within the next year or so.
Many companies assign a letter to each country and they may generally follow something like:
Sometimes, a country may have a different rating, but a city or region within the country may have a different rating.
E.g., China may be rated as "C" country but Beijing or Shanghai may be "B" rated. On the other hand, India may be rated "B" but the state of Jammu & Kashmir may be rated "C" or even "D".
The actual rating varies based primarily on the living standards of the location, such as healthcare, sanitation, availability of health care, the risk of living or visiting the location.
While H, L, R as well as F visa holders would be considered U.S. residents for life insurance purposes because they live in the U.S., there are many who would be considered non-U.S. residents such as B1/B2 (Business visa holder, Tourists etc.) because they don't live in the U.S.
For the purposes of underwriting life insurance, non-U.S. residents are generally defined as:
Of course, the exact definition varies from one company to another.
There are certain countries whose regulations simply don't allow their citizens to purchase life insurance outside their country residence. Most of those countries are Argentina, Belgium, France, Greece, Japan, Panama, Poland, Switzerland, Uruguay and Venezuela - This list is subject to change.
On the other hand, residents of certain countries would be ineligible to purchase life insurance from the U.S. due to U.S. government regulations or because the risk is too high in a given country to offer life insurance. Most of those countries are Afghanistan, Cambodia, Cuba, Haiti, Iran, Lebanon, Myanmar, North Korea and Sudan - This list is subject to change.
Generally, if you live in a country where the U.S. State Department has issued a travel warning, or a country is at war, or at the risk of political instability, terrorism or uprising, a country that is experiencing a famine, endemic, epidemic or pandemic disease or a country that has non-existent or limited medical care, you would not qualify to purchase life insurance from the U.S. Of course, such situations are subject to change periodically and the list varies for different life insurance companies based on their risk tolerance.
Most life insurance companies would expect you to have some ties or a connection to the U.S., such as:
In general, if you have a good chance of residing in the U.S. indefinitely, such as when you are a student at the university or you are on work visa, many life insurance companies are willing to offer you insurance.
If you have no plans to visit the U.S., or you have no connection or qualifying relationship with the U.S., you may not be eligible to purchase life insurance from a U.S. based company.
While looking for life insurance for non-U.S. citizens, you should keep in mind some of the following points:
Even though purchasing life insurance for non-U.S. citizens requires more research and paperwork, there are many options available. With Insubuy, Inc., you can get Instant Quotes from multiple companies and apply within minutes.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
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Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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