Understanding US Life Insurance for Non-Residents 

A US life insurance policy offers a unique set of benefits tailored to the needs of international investors, particularly those considering or already engaged in the EB-5 visa program. It is an essential component of a smart financial strategy, providing: 

• Wealth Preservation and Tax Planning: A life insurance policy provides liquidity to cover potential US estate taxes on “US situs assets,” ensuring your family’s wealth is preserved without forcing the sale of valuable holdings. The policy’s death benefit is generally received tax-free, offering a significant advantage. 

• Income Replacement and Legacy: In the event of a sudden loss, the policy can replace lost income, fund a business succession plan, or provide a financial safety net for your family’s future, including funding for a child’s education. 

• Tax-Advantaged Growth: The cash value within a permanent life insurance policy grows on a tax-deferred basis, building a valuable asset over time. 

Who is Subject to US Estate Taxes? 

Navigating US estate tax rules is critical for international families. A key distinction is between a “resident alien” and a “non-resident alien”: 

• Resident Alien: An individual considered “domiciled” in the US at the time of their death. They are subject to US estate tax on their worldwide assets, with a significant exemption (currently over $13 million). 

• Non-Resident Alien: An individual who is not a US citizen and is not domiciled in the US They are only subject to US estate tax on their “US situs assets” (e.g., US real estate, tangible personal property located in the US) with a very limited exemption of only $60,000. 

Eligibility and Our Comprehensive Approach 

At LCR Capital, we are a leading EB-5 regional center and fund manager with a deep understanding of the financial and immigration needs of global families. Our team, which includes McKinsey alumni and a founder who is a first-generation immigrant, understands the journey you are on. We guide over 1,000 clients from 36+ countries, offering carefully curated EB-5 projects and holistic financial planning. 

To qualify for a US life insurance policy, non-US residents must demonstrate a substantial tie to the United States and meet specific financial criteria, such as a net worth of at least $5 million. 

When you work with LCR, you benefit from our fiduciary approach. Our mission is to protect your family’s legacy by providing comprehensive support and personalized guidance throughout the entire EB-5 visa process and beyond. We are committed to securing your Green Card by Investment, ensuring your capital is compliantly invested, and helping you build a secure future for your family in the US