U.S. Life Insurance, Made Accessible for Foreign Nationals

Protect your family, grow your wealth, and secure a financial foothold in the U.S. — no green card or Social Security number required.

Looking for domestic life insurance? Explore Domestic Options

Why Foreign Nationals Choose U.S. Life Insurance

✅ No U.S. citizenship or residency required
✅ High leverage on death benefit — qualify for 4–6x more coverage than in your home country
✅ Tax-advantaged cash value growth
✅ Asset protection under U.S. legal framework
✅ Policies issued by highly rated U.S. insurers with 100+ years of stability
✅ Multi-currency planning for global wealth strategies

📌 For global families, U.S. life insurance is more than protection — it’s a financial asset with global advantages.

What We Help With

We guide you through every step of the process:

  • Custom case design tailored to your financial and legacy goals

  • U.S. bank account and premium funding setup

  • Coordination of medical exams (U.S. or Hong Kong options)

  • Notarized Limited Power of Attorney (LPOA) arrangement

  • Application submission, carrier communication, and policy delivery

  • Long-term servicing and policy performance reviews

✅ White-glove concierge service. We handle every detail, so you don’t have to.

Policy Types and Strategies Available

We help you choose the best fit for your personal situation:

  • Indexed Universal Life (IUL) – Long-term growth + flexible protection

  • Whole Life – Stable, guaranteed coverage with dividends

  • Term Life – High coverage at low initial cost

  • Premium Financing – For qualified clients looking to leverage capital and preserve liquidity

💡 Premium financing is ideal for high-net-worth families, business owners, and trust structures aiming to reduce out-of-pocket funding while maximizing U.S. protection.

Not Sure Where to Begin?

Real People, Real Stories

  • “I thought I couldn’t qualify due to my underlying chronic illness and non-U.S. residency status, but Tora Wealth helped me through every step. The process was smoother than I imagined.”

    — Tan, Singapore

  • “They arranged everything — including my housing, transportation, medical and bank account setup during a short 3 day trip to LA. Highly recommend Tora to any international family.”

    — Li, Shanghai

  • “I shopped with two other local agencies and ultimately chose Tora Wealth due to their expertise and professionalism. They made what I felt was a complex U.S. process feel simple and secure.”

    — Chan, Hong Kong

Who It’s For

  • International entrepreneurs and business owners

  • Parents with children studying or living in the U.S.

  • Global investors protecting foreign or U.S. assets

  • Families planning U.S. estate tax or legacy strategies

  • Minors are eligible — as long as a parent holds equal or double the amount of coverage required by the carrier

🛡️ Whether you're preparing for education, inheritance, or liquidity — we tailor the right solution for your needs.

Why Expertise Matters

Foreign national applications require specialized handling. Even small mistakes can result in denial — creating a permanent flag across all U.S. insurers.

❗ Once denied, your record remains visible to all carriers and future approvals will become extremely difficult.

We understand how to:

✅ Structure strong U.S. nexus
✅ Match you with carriers that welcome your nationality
✅ Package your application for approval on the first try

Ready to Explore Your Options?

Schedule a free consultation today. We'll help you navigate life insurance with confidence, clarity, and care.