Possibly, depending on the policy and jurisdiction; confirm with a tax advisor whether the payout itself has tax consequences before finalizing the investment amount.
Get tax advice on the payout before committing the full amount
A payout that appears fully available may have associated tax obligations that affect how much is actually available to invest.
Ask a qualified tax adviser to determine the payout's treatment, then use the net amount actually available for investment planning. Keep separate schedules for taxes, professional advice, official filing charges, capital contribution, project administration, due diligence, travel, and household expenses. Do not quote USCIS filing-fee figures; verify the current official schedule when a payment is due. Standard EB-5 capital is US$1,050,000; an eligible rural or high-unemployment targeted area or infrastructure project permits US$800,000. The money must remain exposed to loss while invested or during active investment. Qualifying U.S. workers must fill ten full-time jobs. The usual budgeting error is treating gross insurance proceeds as both spendable household cash and fully committed EB-5 capital.
Hypothetical example: A Tecumseh investor directs a life-insurance payment toward a standalone plastics-recycling plant but reserves an unspecified portion for possible tax and family obligations. The adviser identifies the tax question without promising an outcome, while the investment worksheet tracks only capital actually available and committed. Project construction, operating reserves, immigration expenses, and personal costs appear on different lines. The applicant files Form I-526 for the standalone investment and does not claim the lower threshold until the project's qualifying geography or infrastructure basis is established.