If you have family and assets in the U.S., estate planning matters — whatever your visa status
Green card holders, visa holders, and non-citizens who own property, accounts, or a business here often assume estate planning is “for citizens.” It isn’t. U.S. assets are subject to U.S. rules.
“I’m not a citizen, so this doesn’t apply to me”
It’s one of the most common and costly assumptions. If you own assets in the United States — a home, bank or investment accounts, a business interest — those assets are generally subject to U.S. legal and tax processes when you pass, regardless of your immigration or citizenship status, and regardless of where you live.
That means the same concerns every family faces — probate, who inherits, guardianship for children, having documents in place — apply to you too. And in some areas, the rules for non-citizens are actually stricter, which makes planning more important, not less.
This is layered legal and tax territory. Cross-border situations involve rules that vary by your status, your home country, and the type of asset. An attorney (and often a tax professional) should guide your specific plan. This page is general education to help you understand why it matters.
Why planning can matter even more for non-citizens
Your U.S. assets don’t care about your passport
Property and accounts located here are generally governed by U.S. and state law on death — including potential probate and estate-tax exposure. Your visa status doesn’t exempt those assets.
Some thresholds and rules differ for non-citizens
Certain estate-tax exemptions and spousal transfer rules can work differently when a spouse is not a U.S. citizen. These are exactly the kinds of details where attorney and tax guidance pays off. We won’t guess at your numbers here — the point is simply: don’t assume the “standard” rules apply to you.
Family across borders adds complexity
If your heirs live in another country, or you hold assets in more than one country, settling an estate can get complicated quickly without a plan. Documents and coordination reduce that friction for the people you love.
Liquidity matters even more across borders
When assets are tied up — potentially across jurisdictions — the family’s need for accessible cash only grows. Funds may be needed to cover U.S. taxes, settle the estate, or simply support family members while a more complex process plays out.
Where I come in
I work with individuals and families from all walks of life — including non-citizens who own assets here — to help fund their estate plans with life insurance, so liquidity is available when it’s needed. Eligibility for coverage can depend on your situation, and I’ll walk you through the options honestly. Your attorney structures the plan; I help make sure it’s funded.
Educational information only — not legal advice. Anil Khanchandani is a licensed insurance producer, not an attorney, and does not draft legal documents. Estate documents are prepared by licensed attorneys; through Anil’s affiliation with HGI, clients can access NetLaw’s attorney-led platform. Please consult a qualified attorney about your situation.
FAQ
Own assets here but unsure where to start?
Let’s talk it through — respectfully, clearly, and with no obligation.