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  1. The normal thing to do is on changing ur resident status to NRI or a us citizen , you fill a form ( there is a specific form available with LIC ) & give a copy of ur say green card or citizenship certificate to be kept in ur file with LIC office . Then open an NRI account in US , start paying ur premium on line from that account , so that when ur policy matures , the money will be deposited in that account . Its illegal to keep a saving account in India ,once ur resident status has changed.