NRI

Non-residents do buy Indian life cover, and proposal forms are built for it: one carries a section of questions that applies only to applicants living abroad.

Residency routes an application to a human underwriter rather than through a standard template. Which countries an insurer accepts, and on what terms, is the insurer’s own decision and changes over time.

Related terms

• PIO and OCI Person of Indian Origin, and Overseas Citizen of India — statuses for people of Indian descent abroad.
• FATCA and CRS Tax-reporting declarations required where an applicant has a foreign tax connection.
• Repatriation Moving money out of India — relevant to how a non-resident's premiums are paid and claims received.

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