: Term insurance in USA Can I buy term insurance in the USA if I am not physically present in the USA? I found that I am asked for the zip code whenever I fill out my details to buy insurance.

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While I understand it is possible to get a US based policy you will have some issues that need to be resolved:

You will likely need a physical. Depending on where you are this will add to the time and cost of getting the policy, especially if you have to travel back to the United States for the physical.
Term insurance as the name says covers you for X years. That means that over time the cost will go up. As you age the policy will cost more and more.
The length of the term will be important. That dictates the time between physicals. As each term ends they will reevaluate your inseparability which will dictate your rate.
When you hit your 50's and 60's and beyond the annual cost could sky rocket.
This will not be a policy that you can buy over the internet. You will need to identify specific companies that offer plans for your situation.

Before trying to buy term insurance you should get a financial planner who specializes in international issues to look at how to minimize the tax hit when you die. They can determine how to protect the investment during the different stages of your life. It may turnout that a non-US policy is better, or some other insurance product. They should also be able to help you locate companies that will sell an insurance policy to somebody who isn't in the united states.