Navigating US Life Insurance for NRIs/OCIs | Turtle Finance

​For US returnees, their US life insurance could be the most important estate planning tool.

As a US-based NRI, you spend years building a life in the US, earning in dollars, buying assets, insurance, even planning your family's financial safety net. Then you move back to India, and suddenly a lot of that planning needs a second look.

One thing that catches US returnees off guard: buying US life insurance while you are a US tax resident could be your first and most important step in the homecoming planning. Your tax residency will change, your asset structures will change, your estate tax thresholds will change, but with the right US life insurance, one can pass on the wealth across borders in the most tax-efficient ways.

​This time, Turtle is breaking down US life insurance end to end with the US insurance expert Zhaneta Gechev (Licensed Insurance Agent, 20+ years advising foreign nationals on US life insurance).

​What we'll cover

​📌 How insurance underwriting status changes based on your return date, and the best window to buy
📌 Why life insurance proceeds are excluded from a Non-Resident Alien's US estate under IRC §2105(a)
📌 Term vs. permanent insurance, and when converting makes sense
📌 Ownership and beneficiary structuring for cross-border and mixed-domicile families
📌 FEMA restrictions on buying US insurance once you're a resident of India

​Session details

​⏰ 1-hour live webinar including live Q&A
📅 Saturday, 29 August 2026
🕰️ 9:00-10:00 AM PT | 12:00-1:00 PM ET | 9:30-10:30 PM IST

​This session is highly recommended for NRIs planning to return in the next few months to years. Also useful for recently returned US NRIs and those still holding US-situs assets.

​🎥 This session is designed to be experienced live. Recordings don't capture the quality of interaction you'll get by being present.

​RSVP today 🐢