One of the most common questions we hear from prospective clients isn’t about price — it’s about family. Who, exactly, can be included in a citizenship by investment application?

The answer varies more than most investors expect. Every Caribbean CBI program allows inclusion of a spouse and dependent children, but beyond that, the rules diverge significantly. Some programs, such as Antigua and Barbuda, extend eligibility to unmarried siblings, parents, and grandparents, along with dependent children up to age 31 — making it one of the most family-inclusive options in the region. Other programs set different age thresholds for children, or apply specific age minimums for parents and grandparents to qualify, such as parents over 55 or grandparents over 65. Some programs also allow inclusion of siblings under 18, while others do not offer sibling eligibility at all.

These differences matter enormously for multigenerational families. A program that looks ideal based on price alone may turn out to be the wrong fit once you factor in aging parents, adult children, or siblings you’d like to include in the application. Conversely, a program with a slightly higher entry cost may ultimately deliver far greater value once the full family unit is accounted for.

This is precisely the kind of detail that gets overlooked when investors compare programs based on headline pricing alone. The right choice depends entirely on your specific family structure and long-term goals.

Our advisors specialize in exactly this kind of family-by-family analysis. Contact us for a personalized comparison based on who you actually want to include — not just the standard published rates.