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团队建设 · 约 20 分钟 · 国家人寿外籍人士项目Team Building · 20 min · National Life foreign-national programme

外籍人士投保：谁算外籍、要什么关联、能买多少、税怎么算

Foreign Nationals: Who Counts, What Nexus, How Much, and the Tax

华人客户里，常有一家人分住两地、签证类型各不相同的情况。能不能投保、能买什么，要先分清客户是「美国居民」还是「外籍人士」。 中美港三地保险的比较在《跨境保险》。

Many of our clients' families span two countries and several visa types. Before anything else, decide whether the client is a "US resident" or a "foreign national", because that sets what they can buy. The China / Hong Kong / US comparison is in Cross-Border Insurance.

幻灯片 · 3 页 · 每页下方附详细讲解Slides · 3 pages · full presenter notes under each ↓ 跳到全文↓ Skip to the full article

在美国买保险的条件Who Can Buy US Life Insurance

Presented by Team Rise

各位伙伴好。这一组是《中港美人寿保险对比》系列的第六模块，讲实务：在美国买保险，需要满足哪些条件。 它也可以单独拿出来讲，遇到有外籍客户的场合，直接用这三页就够。

Hello, everyone. This set is module six of our series comparing life insurance in mainland China, Hong Kong and the US, and it's the practical one: what it takes to buy life insurance in the US. It also works on its own; when you're meeting clients who aren't US residents, these three slides are all you need.

客户最常问的一句话是："我没有绿卡，能不能买？"答案是：要看情况，不是谁都能买，但也不是没有绿卡就一定不能买。 这一节就把这句话拆开讲清楚。

The question clients ask most is: "I don't have a green card. Can I still buy?" The answer is that it depends. Not everyone can, but not having a green card doesn't automatically rule anyone out. This module takes that answer apart.

我们按三个问题往下走。第一，客户在保险公司眼里算不算"外国人"，也就是 Foreign National； 第二，如果算外国人，他和美国有没有一条看得见、证明得了的连接，英文叫 Nexus； 第三，能买什么产品、保额最低多少、最高多少，钱从哪里来、保单由谁持有。

We'll work through three questions. First, does the insurer see the client as a foreign national? Second, if so, does the client have a visible, provable connection to the US, what the industry calls a nexus? Third, which products are available, what the minimum and maximum face amounts are, where the premium must come from, and who can own the policy.

这三个问题答完，大家就能在见客户的时候当场判断：这个客户能不能在美国买，大概能买多少。 后面的规则以国家人寿（National Life Group）的外籍人士项目为例，规则会改版，每个个案递件前都要查当期的指南。

Once you can answer those three, you'll be able to judge on the spot whether a client can buy in the US and roughly how much. The rules that follow use National Life Group's foreign-national programme as the example. They are revised from time to time, so check the current guidelines before every submission.

互动设计Interaction

开场先问："你身边有没有家人分住中美两地、签证类型各不相同的客户？"请两三位伙伴各用一句话说说客户的情况，后面三页就拿这些客户来对照。

Open with: "Do you have clients whose families live in both China and the US, on different visa types?" Ask two or three people to describe one client in a sentence, then check those clients against the next three slides.

谁算"外国人" + 与美国的连接 NexusForeign National or Not, and the US Nexus

谁算 Foreign National（以国家人寿为例）Who's a foreign national (National Life)

  • 产品按美国人口定价，看居住国和在美居留的永久性
  • 过去 12 个月在美住满 8 个月、打算继续住、有 SSN 或 ITIN：按美国居民处理，所有产品都能买，包括定期
  • 连续 12 个月里在美国境外超过 4 个月：外籍人士（含旅居海外的美国公民），只能买终身型，须有 Nexus
  • Products are priced for a US population, so the test is country of residence and how permanent the US presence is
  • 8 of the past 12 months in the US, planning to stay, with an SSN or ITIN: treated as a US resident, every product available, term included
  • More than 4 months outside the US in any 12 consecutive months: a foreign national (US citizens abroad included), permanent products only, nexus required

Nexus 六选一（须能证明）Nexus: any one of six, verifiable

  • ① 美国房产（自住、度假、投资均可）
  • ② 美国企业（持有或经营）
  • ③ 配偶是住在美国的美国公民
  • ④ F 签证学生（有效签证 + 财务依据）
  • ⑤ 美国资产 ≥ $100,000（有文件、在美至少 3 个月）
  • ⑥ EB-5 投资移民
  • ① US real property (home, vacation or investment)
  • ② A US business, owned or operated
  • ③ A spouse who is a US citizen living in the US
  • ④ An F-visa student (valid visa plus financial justification)
  • ⑤ US assets of $100,000 or more (documented, held in the US 3+ months)
  • ⑥ An EB-5 investor visa

这一页回答前两个问题：客户算不算外国人；如果算，他和美国有没有连接。

This slide answers the first two questions: is the client a foreign national, and if so, do they have a connection to the US?

先看左边。美国寿险的产品是按美国本土的人口来定价的，所以保险公司要先判断客户的风险是不是"美国式"的。 以国家人寿为例，它看两件事：客户住在哪个国家，在美国的居留有多稳定。

Start on the left. US life products are priced on the US population, so the carrier first has to decide whether the client's risk looks like a US risk. Taking National Life as the example, it looks at two things: which country the client lives in, and how settled their presence in the US is.

记住两条线。第一条，过去 12 个月在美国合计住满 8 个月，打算继续住下去，有社安号或者 ITIN，国家人寿就按美国居民处理，看的是居住事实，不是身份。 这样的客户所有产品都能买，包括定期险。第二条，连续 12 个月里有超过 4 个月在美国境外，就算外籍人士， 这甚至包括长期住在海外的美国公民。外籍人士只能买终身型产品，而且必须有 Nexus。

Remember two lines. First, a client who has spent a combined 8 of the past 12 months in the US, expects to stay, and has a Social Security number or an ITIN is treated by National Life as a US resident. It's the fact of residence that counts, not immigration status. That client can buy every product, term included. Second, anyone who has spent more than 4 months outside the US in any 12 consecutive months is a foreign national, and that even includes US citizens living abroad. A foreign national can buy permanent products only, and must have a nexus.

注意，这是保险公司的定义，和税法上的税务居民不是一回事，不要混着讲。

Note that this is the insurer's definition. Tax residency is a separate test, so don't blend the two.

再看右边，Nexus，就是客户和美国之间一条真实、证明得了的连接。六条里满足一条就行： 第一，在美国有房产，自住、度假、投资房都算；第二，在美国持有或经营企业；第三，配偶是住在美国的美国公民； 第四，F 签证留学生，要附有效签证和财务依据，通常是家里资助的证明；第五，在美国有至少 10 万美金的资产，要有文件，而且在美国放了至少 3 个月； 第六，持 EB-5 投资移民签证。

Now the right: the nexus, a real and provable connection between the client and the US. Any one of six will do. One, US real property, whether a home, a vacation property or an investment. Two, a US business the client owns or runs. Three, a spouse who is a US citizen living in the US. Four, F-visa student status, with a valid visa and financial justification, usually proof of family support. Five, at least $100,000 of US assets, documented and held in the US for at least three months. Six, an EB-5 investor visa.

判断顺序是：先看是不是住满 8 个月；住满了，按美国居民走；不满，再对照右边这六条。

The order of the check: first, the eight months. If met, the client is handled as a US resident. If not, go through the six on the right.

互动设计Interaction

出一道题：客户每年在中国住 10 个月、在美国 2 个月，在美国有一套房，算什么？能买什么？（外籍人士；有房产 Nexus，可以买终身型，不能买定期）

Try one: a client spends ten months a year in China and two in the US, and owns a US home. What are they, and what can they buy? (A foreign national with a property nexus: permanent products, no term.)

产品与保额规则Products and Face Amounts

最低保额MINIMUM FACE$500,000
最高保额（18–70 岁）MAXIMUM FACE (AGES 18–70)$30,000,000
F 签证学生上限F-VISA STUDENT CAP$2,000,000
  • 只能买终身型（IUL、终身寿等），不能买定期；不收未成年人
  • 18–70 岁最多到 Table 4（200%）；71–75 岁只接受标准体或更好，自动承保 $2,000 万
  • 持有人：被保险人本人、美国居民、美国 ILIT 或美国企业
  • 保费来自持有人或被保险人名下的美国银行账户
  • 国家分 A–E：C 类个案审核（临时分保）；D、E 类不承保
  • Permanent products only (IUL, whole life and so on), no term; no juveniles
  • Ages 18–70 up to Table 4 (200%); ages 71–75 Standard or better only, with a $20M autobind
  • Owner: the insured, a US resident, a US ILIT or a US business
  • Premium from a US bank account in the owner's or insured's name
  • Countries graded A–E: C is individual consideration (facultative reinsurance); D and E are declined

这一页回答第三个问题：能买什么、能买多少。客户一问"我能买多少"，就照这一页答。

This slide answers the third question: what can be bought, and how much. When a client asks "how much can I buy?", answer from this slide.

先看上面三个数。最低保额 50 万美金起步，所以外籍人士项目天然是给有一定身家的家庭准备的。 18 到 70 岁，最高保额 3,000 万美金。F 签证留学生是个特例，能买，但上限 200 万美金，而且要有财务依据。

Start with the three figures at the top. The minimum face amount is $500,000, so the foreign-national programme is built for families of some means. For ages 18 to 70, the maximum is $30 million. F-visa students are a special case: they can buy, but the cap is $2 million and they need financial justification.

再看下面几条。第一，外籍人士只能买终身型产品，比如 IUL、终身寿，不能买定期，也不收未成年人。 第二，看风险等级：18 到 70 岁，最多接受到 Table 4，也就是标准费率的 200%；71 到 75 岁，只接受标准体或更好，自动承保上限 2,000 万。 第三，谁能当持有人：被保险人本人、美国居民、美国的不可撤销人寿保险信托，或者美国企业。

Now the rules underneath. First, foreign nationals can buy permanent products only, such as IUL or whole life: no term, and no juveniles. Second, the rating: ages 18 to 70 can be accepted up to Table 4, which is 200% of the standard rate; ages 71 to 75 must be Standard or better, with an autobind limit of $20 million. Third, who can own the policy: the insured, a US resident, a US irrevocable life insurance trust, or a US business.

第四，保费必须从持有人或被保险人名下的美国银行账户付，不收现金等价物。这一条很关键，很多客户就卡在这里，所以见面时要先问清楚有没有美国账户。 第五，保险公司按国家把风险分成 A 到 E 五类。中国大陆、香港、澳门、台湾目前是 A 类；C 类要个案审核，走临时分保，英文 Facultative Reinsurance； D 类和 E 类国家不承保。

Fourth, the premium must come from a US bank account in the owner's or the insured's name, and cash equivalents aren't accepted. This one matters: plenty of clients get stuck here, so ask early whether they have a US account. Fifth, the carrier grades countries from A to E. Mainland China, Hong Kong, Macau and Taiwan are currently Class A. Class C goes to individual consideration through facultative reinsurance. Class D and E countries are declined.

打个比方：这像一家高端定制店，有最低消费，也有最高额度，还看客人从哪里来、用哪张卡付款。规则写得很清楚，照着一条条核对就行。

An analogy: it's like a high-end tailor with a minimum spend and a maximum order, which also cares where the customer comes from and which card they pay with. The rules are clearly written; just check them one by one.

最后提醒一句：保额上限、国家分类这些数字都会调整，每个外籍个案交件前，先查 Agent Portal 上当期的指南和国家分类表。

One last reminder: limits and country classes change. Before every foreign-national submission, check the current guide and country list on the Agent Portal.

红线Red line

讲产品、签申请、体检、送保单，全部在美国境内完成，经纪人和客户都要亲身在场；资料不寄到国外，也不用微信发给在国内的客户。

Presenting, signing, the medical exam and policy delivery all happen inside the US, with agent and client both physically present. No materials go abroad, and that includes sending them by WeChat to clients in China.

互动设计Interaction

快问快答：外籍人士最低保额多少？（50 万美金）F 签证学生上限多少？（200 万美金）保费必须从哪里付？（持有人或被保险人名下的美国银行账户）

Quick-fire: what's the minimum face for a foreign national? ($500,000.) The F-visa student cap? ($2 million.) Where must the premium come from? (A US bank account in the owner's or insured's name.)

本文目录Contents
  1. 美国居民还是外籍人士US resident or foreign national
  2. 必须在美国完成的事What has to happen in the US
  3. 美国关联（nexus）US nexus
  4. 能买什么、买多少What and how much
  5. 国家分类与排除对象Country classes and exclusions
  6. 四个案例Four cases
  7. 外籍人士年金与预扣税FN annuities and withholding
  8. 遗产税和赠与税：差别在这里Estate and gift tax: where it differs
  9. Foresters 的签证规则Foresters' visa rules
  10. 红线清单Red lines
规则会变Rules change

本页规则截至 2026 年。国家分类可能随时调整，每个外籍个案交件前先查 Agent Portal 当期指南和国家分类表。

The rules here are current as of 2026. Country classes can change at any time, so check the current guide and country list on the Agent Portal before every FN submission.

一、美国居民还是外籍人士1. US resident or foreign national

美国居民（国家人寿定义）

US resident (National Life's definition)

过去 12 个月在美国合计住满 8 个月，并且预期会继续住下去；有社安号或 ITIN。所有产品都能买，包括定期险。

Lived in the US a combined 8 of the past 12 months and expects to stay; has an SSN or ITIN. Every product is available, including term.

外籍人士（FN）

Foreign national (FN)

过去连续 12 个月里有超过 4 个月在美国境外，包括住在海外的美国公民。只能买终身险，要有美国关联。

More than four months outside the US in any 12 consecutive months, including US citizens living abroad. Permanent products only, and a US nexus is required.

注意：这是保险公司的定义，和税法上的居民身份（见第八节）不是一回事。

Note that this is the insurer's definition; tax residency (section 8) is a separate test.

二、必须在美国完成的事2. What has to happen in the US

三、美国关联（nexus）3. US nexus

至少满足一项，并且要能证明：

At least one, and it must be verifiable:

关联Nexus说明Notes
美国房产US real property自住、度假或投资房均可Home, vacation or investment property
美国企业US business持有或经营Owned or operated
配偶是住在美国的美国公民Married to a US citizen living in the US
F 签证学生F-visa studentF-1 最高 $2M，需有财务依据F-1 max $2M with financial justification
美国资产 ≥ $100,000US assets ≥ $100,000有文件、在美国至少放了 3 个月Documented, held in the US at least three months
EB-5投资移民Investor visa

四、能买什么、买多少4. What and how much

项目Item规则Rule
产品Products只有终身险（IUL、终身寿等）；联合 IUL（SIUL）、SummitLife、PeakLife 限 A、B 类国家；不收未成年人Permanent only (IUL, WL and so on); survivorship IUL, SummitLife and PeakLife for A and B countries only; no juveniles
年龄Ages18–70 岁最多到 Table 4（200%），自动承保 $30M；71–75 岁只接受标准体或更好，自动承保 $20M18–70 up to Table 4 (200%), $30M autobind; 71–75 Standard or better only, $20M autobind
保额Face最低 $500,000；最高 $30MMin $500,000; max $30M
风险等级Rating最多到 Class 4（200%）；符合条件的终身险可免体液核保到 $5MUp to Class 4 (200%); no-fluid underwriting up to $5M on qualifying permanent products
谁能当持有人Owner被保险人本人、美国居民、美国 ILIT 或美国企业The insured, a US resident, a US ILIT or a US business
生前福利Living benefits只有 A、B 类国家的客户，而且要在美国有规律地看医生。理赔时要美国执业医生证明Only for Class A and B countries, and the client must get regular US medical care; claims need a US-licensed physician
保费融资Premium finance全球净资产 > $10M（经核实）、美国流动资产 ≥ $1M、美国信托或企业持有、美国贷款方、付息设计，并由 Advanced Markets 预审Verified global net worth > $10M, ≥ $1M liquid in the US, owned by a US trust or business, a US lender, interest-paid design, pre-vetted by Advanced Markets

五、国家分类与排除对象5. Country classes and exclusions

分类Class最好能拿到Best available举例（以当期表为准）Examples (check the current list)
AEliteElite中国大陆、香港、澳门、台湾、日本、新加坡、加拿大、英国、澳大利亚等Mainland China, Hong Kong, Macau, Taiwan, Japan, Singapore, Canada, UK, Australia and others
BPreferredPreferred韩国、墨西哥、巴西、马来西亚等Korea, Mexico, Brazil, Malaysia and others
C个案审核（临时再保）Individual consideration (facultative reinsurance)
D / E拒保Decline美国国务院旅行警告第 4 级的国家一律不保Any State Department Level 4 country is declined

不承保：OFAC 制裁名单上的人；政治公众人物（PEP）及其家属和密切关系人；传教士、警察、军人、保安和保镖、私人飞行员、职业运动员、名人。

Not eligible: OFAC-sanctioned persons; politically exposed persons and their family and close associates; missionaries, police, military, security guards and bodyguards, private pilots, professional athletes, celebrities.

别家公司（Corebridge、John Hancock、Symetra、Lincoln）的外籍人士门槛对照见《同业横向对照》。

Other carriers' foreign-national rules (Corebridge, John Hancock, Symetra, Lincoln) are compared in Carrier Comparisons.

六、四个案例6. Four cases

持 ITIN、在美 2 年多的中国公民

Chinese citizen, 2+ years in the US with an ITIN

过去 12 个月在美 8 个月以上，打算留下 → 美国居民，所有产品可买，包括定期。

In the US 8+ of the last 12 months and planning to stay → US resident; every product including term.

每年在中国 10 个月、美国 2 个月，在美有房

Ten months in China, two in the US, owns US property

→ 外籍人士，有房产关联，可以买终身险（最低 $500,000），不能买定期。

→ Foreign national with a property nexus; permanent only (min $500,000), no term.

韩国 F-1 留学生想买 $60 万 IUL

Korean F-1 student wants a $600k IUL

F-1 本身就是关联；$2M 以内，有财务依据（通常是家庭资助的证明）即可。

F-1 status is the nexus; under $2M it works with financial justification (usually proof of family support).

英国居民在美国拓展业务，美国银行存款 $10 万已 4 个月

UK resident expanding into the US, $100k in a US bank for four months

美国资产关联成立 → 按外籍人士项目批准。

US-asset nexus met → approved under the FN programme.

七、外籍人士年金与预扣税7. FN annuities and withholding

外籍人士可以买指数年金和固定年金。持有人为 18 岁以上个人、美国居民、美国信托或计划、美国企业；需要社安号、TIN 或 W-8BEN； 关联为房产、企业或在美 3 个月以上的 $100,000 资产；适当性要看流动净资产；保费来自美国银行。

FNs can buy indexed and fixed annuities. The owner is an individual 18+, a US resident, a US trust or plan, or a US business; SSN, TIN or W-8BEN required; nexus via property, business or $100,000 held in the US for three months; suitability looks at liquid net worth; premium from a US bank.

情况Situation取款时的预扣Withholding on distributions
交了 W-8BENW-8BEN on file按 Part II 的税收协定税率，没有则 30%Treaty rate from Part II, otherwise 30%
有 SSN/ITIN 和美国地址SSN/ITIN and a US address无强制预扣，发 1099No mandatory withholding; 1099 issued
外国地址Foreign address协定税率或 30%Treaty rate or 30%
合格计划（IRA 等）Qualified plans (IRA etc.)强制预扣 20%20% mandatory

钱转出美国时，公司不代扣 59½ 岁前的 10% 罚款，但客户仍可能欠这笔税。

When funds leave the US the company doesn't withhold the 10% early-distribution penalty, but the client may still owe it.

八、遗产税和赠与税：差别在这里8. Estate and gift tax: where it differs

所得税看税务居民身份（绿卡，或实质居住测试：当年 31 天且三年加权 183 天）；遗产税和赠与税看住所（domicile）。

Income tax follows tax residency (a green card, or the substantial-presence test: 31 days this year and 183 weighted days over three years); estate and gift tax follow domicile.

居民外籍人士Resident foreign national非居民外籍人士Non-resident foreign national
所得税Income tax全球收入Worldwide income美国来源收入US-source income
遗产税免税额Estate exemption和公民一样的全额免税额The full exemption, as for citizens只对美国境内资产征税，免税额只有 $60,000Taxed only on US-situs assets, with just a $60,000 exemption
终身赠与免税额Lifetime gift exemption有Yes没有；只有每年调整的年度免税额None; only the annual exclusion, indexed yearly
给非公民配偶To a non-citizen spouse没有无限婚姻扣除，只有较高的年度赠与上限（2026 年 $194,000，每年调整）；遗产要用 QDOT 才能取得婚姻扣除No unlimited marital deduction, only a higher annual gift limit ($194,000 in 2026, indexed yearly); the estate needs a QDOT for the marital deduction
寿险为什么对非居民特别有用Why life insurance matters for non-residents

非居民外籍人士持有、以自己为被保险人的美国寿险，不算美国境内资产，不计入美国遗产。 对比：一对在美国有度假屋的中国籍非居民夫妇，那栋房子只有 $60,000 的免税额。另外，美元计价、成熟的监管、可以避开某些国家的强制继承规则，也都是好处。 收到非居民外国人超过 $100,000 赠与的美国人要报 Form 3520。这些都请客户的跨境税务师确认。

A US policy owned by a non-resident foreign national on their own life is not a US-situs asset and stays out of the US estate. Compare: a non-resident Chinese couple with a US vacation home gets only a $60,000 exemption on that house. USD denomination, mature regulation and avoiding some countries' forced-heirship rules also help. US persons receiving over $100,000 in gifts from a non-resident alien file Form 3520. Have the client's cross-border tax adviser confirm all of this.

九、Foresters 的签证规则9. Foresters' visa rules

Foresters 对非美国公民（18–70 岁）另有一套：有社安号的绿卡持有人可以；以下签证需还有 60 天以上有效期： E1–3、F1–3、G1–4、H-1B、H-2A、H-2B、H-3、H4、J1–2、K1、K3、L-1A、L-1B、L2、O1、O3、P1–4、R1（需工作许可）、R2、TN（需工作许可）、TD。

Foresters has its own rules for non-citizens aged 18–70: green-card holders with an SSN qualify; these visas need 60+ days remaining: E1–3, F1–3, G1–4, H-1B, H-2A, H-2B, H-3, H4, J1–2, K1, K3, L-1A, L-1B, L2, O1, O3, P1–4, R1 (with work authorisation), R2, TN (with work authorisation), TD.

ITIN 项目：在美连续 5 年、有美国医生、有工作并纳税、有美国资产、有美国州 ID/驾照或美国护照、来自合格国家。 不接受：庇护申请中、TPS、DACA（除非走 ITIN 项目或有工作许可 + 社安号）、临时签证、没有合格签证的 EAD。

ITIN programme: five consecutive years in the US, a US physician, employed and paying tax, US assets, a US state ID/licence or US passport, an eligible country. Not accepted: pending asylum, TPS, DACA (unless via the ITIN programme or with work authorisation plus SSN), temporary visas, an EAD without an accepted visa.

十、红线清单10. Red lines

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内部培训资料，仅供签约经纪人使用，不得转发给客户或公开使用。案例均为假设。 国家分类、额度与税务数字会调整，以当期文件为准；本页不构成税务或法律意见。

Internal training material for contracted agents only, not for clients or public use. Cases are hypothetical. Country classes, limits and tax figures change; follow current documents. Nothing here is tax or legal advice.