Residency

Residency

CARRIER	RISK CLASS	DEFINITION
American General	All Classes	This is a constantly changing topic and is not applicable in all states. For current guidelines check the website.
American National	Preferred Plus	3 yrs in US
	Preferred	3 yrs in US
	Standard Plus	2 yrs in US
	Standard	2 yrs in US
AVIVA	Premier	US Resident for past 2 yrs
	Preferred	Same
AXA	Preferred Elite	US Citizen/FT Perm Resident
	Preferred	US Citizen/FT Perm Resident
	Standard Plus	No criteria
Genworth	All Classes	No published guidelines
ING	All Classes	No published guidelines
John Hancock	All Classes	No published guidelines
Lincoln Benefit	All Classes	Permanent resident of US for 6 months
Lincoln National	Preferred	Must be a US/Canadian citizen or be a permanent US resident
MetLife	Elite Plus	No foreign residence except Canada
	Preferred Plus	No foreign residence except Canada
	Standard Plus	No ratable resident flat extra premiums
	Standard	Flat extras acceptable
Nationwide	All Classes	No published guidelines
North American	All Classes	Must be a US citizen or had permanent resident status for at least 2 yrs
Protective Life	Select Preferred	US citizen including Puerto Rico or Canada or proof of permanent residence. Required minimum residency at least 1 yr
	Preferred	Same as Select Preferred
Prudential	All Classes	Available to certain non-US residents subject to rules and restrictions; contact UW prior to submitting an application
Transamerica	Preferred Plus	Residence in a stable country; no flat extra allowed
	Preferred	Residence in a stable country; no flat extra allowed
	Standard Plus	Residence in a stable country; no flat extra allowed
	Standard	Residence in a stable country; flat extra allowed
Union Central	Preferred Plus	No published guidelines
United of Omaha	Preferred	No published guidelines
West Coast Life	Select Preferred	Permanent resident of US or Canada
	Preferred	Permanent resident of US or Canada

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