Life Insurance Solutions for Foreign Nationals with U.S. Assets

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If you’re a non-U.S. citizen or non-resident with financial ties to California, navigating U.S. life insurance and estate tax rules can feel overwhelming. At Hansol, we specialize in helping foreign nationals secure life insurance coverage that supports cross-border planning, protects U.S.-based assets, and provides clarity for loved ones. Whether you own real estate in Los Angeles, maintain bank or investment accounts here, or plan to pass wealth to heirs in the U.S., we’ll help you structure a policy that meets your goals and respects your global situation.



Our team regularly works with clients from Korea and other countries who have U.S. ties — helping them understand how life insurance can reduce estate tax liability, provide liquidity, and create more certainty across jurisdictions.

Why Foreign Nationals Choose U.S. Life Insurance

Life insurance in the U.S. can offer significant advantages for international families and investors — especially when assets or beneficiaries are based here.


  • U.S. estate tax can apply to foreign-owned U.S. property. Life insurance can help reduce the burden by creating tax-free liquidity.
  • Policies are often used to support cross-border inheritance planning. You can name U.S. or international beneficiaries and structure the policy through a trust or LLC.
  • Coverage can be more flexible than in your home country. Depending on your residency and financial profile, you may qualify for high-value coverage with competitive pricing.



We’ll guide you through options and requirements — including documentation, ownership structures, and carrier underwriting — every step of the way.

Common Planning Scenarios We Help With

We assist clients from across the globe who face complex planning challenges. Examples include:



  • A Korean investor who owns commercial property in Los Angeles and wants to protect their family from U.S. estate taxes
  • A non-resident parent establishing a life insurance trust to provide for children studying or working in the U.S.
  • A foreign business owner using life insurance as part of a cross-border buy-sell agreement or succession plan


No matter your goals, our experience with global families and international tax issues ensures you receive advice tailored to your situation.

Your Local Advisor with Global Insight

Hansol is based in Los Angeles and serves clients throughout California and abroad. We understand the local property market, financial rules, and regional planning needs — and we’re fluent in cross-border communication. When needed, we collaborate with international legal and tax professionals to ensure your insurance plan supports your entire estate and financial strategy.



We can assist with:


  • Life insurance for non-resident aliens (NRAs)
  • Coverage for visa holders or green card applicants
  • Structuring policies with U.S. or foreign ownership
  • Addressing U.S. estate tax exposure for non-citizens
  • Naming U.S.-based beneficiaries properly

Talk to an Experienced Advisor Today

If you’re unsure how U.S. life insurance fits into your global financial picture, we’re here to help. We’ll answer your questions, explain your options in plain language, and create a plan that works for you and your family — whether you live in Beverly Hills, Seoul, or both.



Schedule your consultation with Hansol to explore international life insurance solutions designed with your unique goals in mind.

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Medicare

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Life Insurance

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Retirement Planning

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Financial Planning

  • What are the requirements for a foreign national to get life insurance in the U.S.?

    Requirements vary by insurance company, but most will ask for a valid passport, proof of income or net worth, and sometimes a U.S. bank account or property ownership. Your visa or residency status may also impact eligibility. We’ll guide you through exactly what’s needed based on your situation.

  • Can non-U.S. residents buy life insurance in California?

    Yes, in many cases, non-residents — even those who live abroad — can purchase life insurance through U.S. carriers. However, you’ll typically need some financial connection to the U.S., such as property ownership, investment accounts, or family residing here. We help determine your eligibility and match you with the right carrier.

  • Why would a foreign national need U.S. life insurance?

    If you have U.S.-based assets or beneficiaries, your estate may be subject to U.S. estate taxes. Life insurance can provide liquidity to cover these taxes or pass wealth efficiently to loved ones. It’s also commonly used in international estate planning and business succession strategies.

  • Does owning U.S. property create estate tax exposure for foreigners?

    Yes. Non-citizens and non-residents may be subject to U.S. estate tax on U.S.-situated assets — including real estate. This can result in significant taxation at death if planning isn’t done in advance. Life insurance can help cover these costs and preserve the estate for your heirs.

  • Can I name non-U.S. citizens as beneficiaries?

    Absolutely. Most policies allow you to name anyone as a beneficiary — including spouses, children, or business partners living outside the U.S. We’ll help ensure that beneficiary designations and ownership structures are set up properly based on your estate and tax goals.

  • Do I need a trust to hold my U.S. life insurance policy?

    Not always, but in many cross-border cases, using a U.S. trust (such as an Irrevocable Life Insurance Trust) can provide tax efficiency and privacy. We’ll work with your legal or tax advisor — or refer you to one — to help evaluate whether a trust is right for your needs.