Can I have Hong Kong and US citizenship?
Yes, you can qualify for life insurance even while receiving Social Security Disability Insurance (SSDI) benefits. Insurance companies will evaluate your application based on the nature, severity, and management of the underlying condition that led to your disability, rather than just your benefit status. While having a disability might lead to higher premiums or a more limited selection of policy types, it does not automatically disqualify you from coverage. Insurers will review your medical history, current treatments, and your ability to perform daily tasks. Because life insurance can provide a vital financial cushion for your family, it is recommended to shop around and compare various insurers, as each company has its own unique underwriting guidelines. You might also explore "no-exam" insurance options or policies with riders that provide accelerated death benefits if your health condition is considered terminal.
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