Do I need life insurance if I'm an immigrant on an H-1B or green card?

If people in the US depend on your income, or you have US debts like a mortgage, the answer is generally yes, and visa status usually does not prevent you from buying a policy. Lawful residents on H-1B, L-1, or green cards can typically qualify for standard US term life, though some insurers ask about travel to certain countries and time spent in the US. Coverage is especially worth considering if your family here would face relocation costs or lost income, or if you support relatives abroad. A US policy generally pays a death benefit income-tax-free to beneficiaries regardless of where they live. Work with an agent familiar with visa-holder underwriting, and keep your policy documents where your family can find them.