Employer coverage ends when you change jobs or visas. We build life insurance around your life, so your family is secure no matter what happens.
Covered on H1B · H4 · L1 · L2 · O1, a green card, or as a citizen — and it stays with you for life. See all 25+ visas ↓
Change employers — or your visa status — and the coverage usually disappears. Your family's security shouldn't depend on your HR portal.
Group plans are typically just 1–2× your salary. Most families need closer to 10× once you add the mortgage, income, and kids' education.
Planning to keep options open in India? Employer coverage won't follow you. A personal policy you own does.
No jargon — here's what each one does, and who it tends to fit.
Not sure which fits? Talk it through in a free 15-min review →
Modern policies can pay you while you're still alive if you face a serious illness — money for treatment, bills, and lost income when you need it most. These "accelerated benefit riders" often come built in, at little or no extra cost.
A major health event — heart attack, stroke, cancer, kidney failure, major organ transplant. Pull a lump sum from your policy to pay for treatment and recovery.
When you can't perform 2 of 6 daily activities (bathing, dressing, eating…) or face severe cognitive decline. Helps cover long-term care without draining savings.
A diagnosis with limited life expectancy (often ≤12–24 months). Access most of your benefit now — for care, to settle affairs, or simply to live.
Arjun, 42, has a heart attack. His $1M policy includes living benefits, so instead of his family waiting until he's gone, Arjun accelerates $250,000 right away — covering hospital bills, replacing his income through 8 months of recovery, and keeping the household running. The remaining coverage stays in force for his family's future.
One policy. Protection if you pass — and a lifeline if life takes a hard turn.
If you live in the US at least 10 months a year and have an SSN or ITIN, you can very likely qualify. Here are the visa types top carriers accept.
A simple way to size your coverage: add your Debts, Income to replace, Mortgage, and Education — then subtract what you already have. Our 2-minute calculator does the math for you.
See my number →H1B, green card, or citizen — we know the underwriting and place coverage that doesn't vanish when your job or status changes.
We plan for the realities most carriers never ask about — keeping your US coverage and assets working if your plans change.
Many of our families qualify for simplified, accelerated underwriting — coverage in place faster, with less hassle.
An Indian family that's served 300+ families since 2020. No pressure, no upsell — just the right amount of the right coverage.
Use the free calculator to see your coverage gap in 2 minutes.
A free 15-minute review — we match you to the right type and carrier.
We handle the application — often with no medical exam — and stay with you as life changes.
Yes. Visa holders can absolutely qualify for US life insurance. The key is placing you with a carrier that underwrites your situation well — which is exactly what we do. Your policy stays in force for life, even if your visa or job changes.
Often, no. Many of our families qualify for simplified or accelerated underwriting, which skips the in-person exam. We'll tell you upfront which path you're likely to qualify for.
Often little or nothing. Many modern policies include accelerated benefit riders for critical, chronic, and terminal illness built in — letting you tap your own coverage while you're alive if you face a serious health event, rather than your family only receiving it after you're gone. The exact riders and any added cost vary by carrier and policy type; in your free review we'll show you which policies offer the strongest living benefits for your situation.
A personal US life insurance policy you own generally stays in force as long as premiums are paid. This is a big reason to own your own coverage rather than relying on an employer plan — we'll walk you through the specifics for your situation.
Term is the most affordable way to cover your highest-need years (mortgage + raising kids). IUL costs more but builds tax-advantaged cash value you can tap for college or retirement. Many families use a mix. In a free review we'll show you the numbers for both.
Term coverage for a healthy young family is often less than a monthly streaming bundle. The exact premium depends on your age, health, coverage amount, and type — your free review includes real quotes, no obligation.
Then talk it through with a family that's walked your path.