Insurance Solutions for Non-U.S. Citizens
Foreign nationals with meaningful U.S. ties may qualify for U.S. life insurance strategies designed to help protect family wealth, create liquidity, and support cross-border legacy planning.
Do You Qualify?
Foreign nationals may be eligible if they have ongoing U.S. ties such as owning property or a business, paying U.S. taxes, having family in the U.S., or maintaining U.S. bank or investment accounts.
Quý vị có thể đủ điều kiện nếu là ngoại kiều có mối liên hệ với Hoa Kỳ, chẳng hạn như sở hữu bất động sản hoặc doanh nghiệp tại Mỹ, có gia đình tại Mỹ, nộp thuế, thường xuyên du lịch/công tác tại Mỹ, hoặc có tài khoản ngân hàng hay đầu tư tại Mỹ.
Common Eligibility Factors
- Valid passport and visa, or Visa Waiver Program eligibility
- At least $1 million in global net worth
- Ongoing U.S. connection
- U.S. property, business, tax, family, banking, or investment ties
May Not Be Eligible
- Government officials or judges
- Journalists
- Military or police personnel
- Entertainers, performers, or professional athletes
- Individuals connected to high-risk countries or travel patterns
Why Consider Life Insurance?
Estate Tax Liquidity
Life insurance may help provide liquidity for U.S. estate tax exposure, especially when wealth is held in real estate, businesses, or investment assets.
Bảo hiểm nhân thọ có thể tạo nguồn tiền để hỗ trợ chi trả thuế di sản Hoa Kỳ.
Protect Family Assets
Proper planning may help heirs avoid forced liquidation of family businesses, real estate, or investment holdings.
Giúp người thừa kế không phải bán gấp tài sản gia đình để có tiền nộp thuế.
Cross-Border Legacy Planning
U.S. life insurance can be part of a broader strategy for transferring wealth across borders efficiently.
Hỗ trợ kế hoạch chuyển giao tài sản cho thế hệ sau một cách hiệu quả.
EB-5 Visa Investors: A Special Case
EB-5 investors gain U.S. residency by investing in qualifying projects. Once approved, they may become U.S. tax residents with potential estate tax exposure on global assets.
Visa EB-5 cho phép nhà đầu tư ngoại quốc nhận thẻ xanh bằng cách đầu tư vào dự án tại Mỹ. Khi được cấp, người giữ visa EB-5 có thể trở thành đối tượng chịu thuế Mỹ, dẫn đến nghĩa vụ thuế di sản trên toàn bộ tài sản toàn cầu.
The Planning Concern
Families with significant global wealth may need liquidity to address future tax exposure without disrupting investments, businesses, or real estate holdings.
The Insurance Strategy
Life insurance may create tax-efficient liquidity to help cover estate costs and preserve wealth for heirs.
Case Studies
The following examples are hypothetical case studies for educational purposes only. Actual eligibility, underwriting, premiums, structure, and results vary by carrier and client situation.
Chinese Investor — Mr. Shin
Nhà Đầu Tư Trung Quốc — Ông Shin
Age 50, owns U.S. commercial real estate valued at approximately $40 million and is concerned about a potential estate tax liability estimated at over $10 million.
Product: Indexed Universal Life
Death Benefit: $10,000,000
Premium: $250,000/year for 10 years
Structure: Owned by an ILIT
Goal: Create liquidity to help pay estate taxes and protect U.S. real estate for the family.
Vietnamese Entrepreneur — Mrs. Lan
Doanh Nhân Việt Nam — Bà Lan
Age 48, businesswoman with U.S. real estate and investments worth approximately $25 million, concerned about estate tax exposure and potential forced sale of assets.
Product: Whole Life or Indexed Universal Life
Death Benefit: $7,000,000
Premium: $175,000/year for 10 years
Structure: Owned by an ILIT
Goal: Provide liquidity to help preserve family business and real estate holdings.
Korean Executive — Mr. Park
Giám Đốc Điều Hành Hàn Quốc — Ông Park
Age 55, executive with U.S. investments worth approximately $15 million, seeking a plan that accounts for tax exposure, inflation, and future asset growth.
Product: Indexed Universal Life
Death Benefit: $5,000,000
Premium: $125,000/year for 10 years
Structure: Owned by an ILIT
Goal: Provide tax-efficient liquidity without forcing liquidation of U.S. assets.
Why Work With VanMay Financial?
Cross-Border Planning Experience
Guidance for families with U.S. and international financial considerations.
Chuyên môn về hoạch định tài chính xuyên quốc gia.
Foreign National Programs
Access to U.S. life insurance programs available to eligible foreign nationals.
Tiếp cận các chương trình bảo hiểm nhân thọ Hoa Kỳ dành cho ngoại kiều đủ điều kiện.
Clear Guidance
Transparent education to help clients understand options, risks, requirements, and next steps.
Hướng dẫn rõ ràng, minh bạch và phù hợp pháp luật để bảo vệ di sản của gia đình.
Find Out If You Qualify
If you are a foreign national with U.S. ties, contact us for a consultation. We’ll help determine whether U.S. life insurance may support your wealth protection and legacy planning goals.
Nếu quý vị là ngoại kiều có mối liên hệ với Hoa Kỳ, hãy liên hệ với chúng tôi để được tư vấn. Một buổi trao đổi ngắn sẽ giúp xác định bảo hiểm nhân thọ có thể bảo vệ tài sản và tương lai gia đình quý vị như thế nào.
Email Leyna WhatsApp +1 310-909-9915This page is for educational purposes only and is not tax, legal, investment, or financial advice. Clients should consult qualified tax and legal professionals regarding estate tax exposure, trust planning, and cross-border financial matters.