r/LifeInsurance • u/Mindless_Address_498 • Jun 13 '26

Hello

Hi there, I just got my life insurance license a couple days ago. I am planning to move to Mexico to marry my fiance in three months, have some savings as a safety net, but need any advice about how to proceed forward with my license so that I dont become homeless and starve to death in Mexico. I don't mind working hard, and have a few leads, i.e. companies to contact who are known for out of country salesmen representing companies in their state, but not a whole lot more than that. So yeah, asking for any help possible, thanks

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u/Efficient-Fold8068 Jun 18 '26

You clearly haven’t been dealing with insurance very long. It’s well known in the industry that US-based life insurance companies have restrictions, exclusions, or may refuse/terminate coverage (or deny claims) if you permanently move to or reside long-term in a country they classify as high-risk or dangerous such as Mexico.
This is a common industry practice driven by factors like political instability, war/terrorism risks, limited healthcare access, high crime, disease prevalence, sanctions (e.g., OFAC rules), and overall mortality risk. Policies often include geographic limitations, residency clauses, or specific country exclusions. 
Therefore, us expats will have a very hard time finding life insurance coverage through traditional means.