Best Life Insurance Company That Covers Undocumented Immigrants in 2024
Life insurance companies that cover undocumented immigrants can ask for an ITIN instead of an SSN on the coverage application. Life insurance companies extend the same coverage with the same rates regardless of immigration status. However, undocumented immigrants will still have to provide an address, bank account information, and employer information. Companies that provide life insurance for undocumented immigrants will also pay death benefits regardless of status.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
UPDATED: Mar 24, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 24, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Undocumented immigrants can get life insurance through a variety of companies
- If a social security number isn’t available, an individual tax identification number can be used for the life insurance application
- Undocumented immigrants are entitled to death benefits from life insurance policies
The best life insurance companies believe that everyone should be able to have life insurance. That’s why there are a number of ways to sign up for coverage regardless of your immigration status.
Life insurance companies that cover undocumented immigrants have other ways to complete the application if you don’t have a social security number.
Shop around to find affordable life insurance companies that cover undocumented immigrants. Compare multiple companies to find the best coverage with the lowest rates.
Enter your ZIP code now to compare free quotes from life insurance companies that cover undocumented immigrants in your area.
What life insurance companies cover undocumented immigrants?
Many life insurance companies aren’t concerned with immigration status and will offer coverage to undocumented immigrants.
Getting life insurance is similar for everyone no matter your status. Simply choose your company and the life insurance coverage you need. You also may need a medical exam in order to complete the process.
You will have to provide some documentation for your application. If you don’t have some sort of documentation that proves your identity, you won’t be able to get life insurance coverage.
There are many factors that are used to determine your life insurance rates, such as age, medical history, hobbies, habits, and employment.
Those same factors are used to calculate rates for all applicants. The best life insurance for undocumented immigrants will depend on each individual.
Rates are not any higher based on your immigration status. Your personal information determines your rates.
This table shows you average rates for non-smokers from some of the top life insurance companies.
Average Life Insurance Rates from Top Companies
| Insurance Company | Average rates single 25-year-old female | Average rates single 25-year-old male | Average rates married 35-year-old female | Average rates married 35-year-old male | Average rates married 45-year-old female | Average rates married 45-year-old male | Average rates married 55-year-old female | Average rates married 55-year-old male | Average rates married 65-year-old female | Average rates married 65-year-old male |
|---|---|---|---|---|---|---|---|---|---|---|
| John Hancock | $172.50 | $178.30 | $178.30 | $189.80 | $241.50 | $292.10 | $407.10 | $533.60 | $937.30 | $1,380.00 |
| Lincoln National | $187.00 | $231.00 | $191.00 | $238.00 | $239.00 | $283.00 | $435.00 | $615.00 | $903.00 | $1,577.00 |
| MassMutual. | $132.00 | $147.00 | $137.00 | $151.00 | $209.00 | $230.00 | $373.00 | $451.00 | $763.00 | $1,049.00 |
| New York Life | $158 | $152 | $164 | $160 | $262 | $245 | $414 | $696 | $924 | $1,416 |
| Prudential Financial | $195.00 | $237.00 | $196.00 | $248.00 | $314.00 | $378.00 | $496.00 | $584.00 | $941.00 | $1,412.00 |
| State Farm | $143.00 | $164.00 | $166.00 | $175.00 | $238.00 | $239.00 | $341.00 | $396.00 | $684.00 | $955.00 |
| Transamerica | $164.00 | $176.00 | $161.00 | $171.00 | $229.00 | $255.00 | $453.00 | $527.00 | $1,139.00 | $1,367.00 |
Keep in mind that rates will be different for each person. Certain medical conditions, habits, and hobbies may raise your rates.
Your job and criminal history can also affect your rates.
Certain jobs come with more risk so life insurance rates reflect that risk. If you work in risky occupations like transportation, warehousing, or agriculture, your life insurance rates may be higher.
Overstaying a visa, for example, is considered a crime and may show up on a criminal background check. This could also raise your life insurance rates.
Rates will also vary from company to company. For example, if you are a smoker, one company may require you to purchase high-risk life insurance while another company won’t.
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What are the life insurance requirements for undocumented immigrants?
In order for an undocumented immigrant to receive life insurance, certain requirements must be met. The life insurance company must be able to prove who you say you are.
Insurance companies are all about risk. They use your personal information to determine how risky you are to insure.
Undocumented immigrants need to give the insurance company as much information as possible in order to get life insurance coverage.
Can undocumented immigrants get life insurance without a social security number? Yes, but they do still have to provide certain information.
An undocumented immigrant won’t have a social security number (SSN), but they are eligible to receive an individual tax identification number (ITIN).
Every ITIN is different, much like a social security number. An ITIN is issued by the federal government and is solely used for tax purposes. It does not authorize work or provide social security eligibility.
However, it can be used for identification purposes when an SSN is not available. Whether you use an SSN or an ITIN, the insurance company won’t ask questions about your immigration status.
Insurance companies ask for an SSN or ITIN to protect against fraud and also to disburse the death benefit if needed.
You will also have to provide the life insurance company with your address, banking information for payments, and employment information.
Read More:
- Best Life Insurance Company That Accepts ITIN
- Best Life Insurance Company That Doesn’t Require an SSN
Can undocumented immigrants receive a death benefit?
A death benefit is the life insurance payout if the insured passes away. In order for the benefit to be paid, the beneficiary must file a life insurance claim.
Can undocumented immigrants get insurance death benefits? Yes, federal law protects the disbursement of death benefits regardless of immigration status. You can also receive the death benefit no matter if you are still in the country or not.
However, other government agencies concerning immigration status may be alerted. For example, Immigration and Customs Enforcement (ICE) may become involved if the beneficiary is undocumented.
Consulting an immigration lawyer will help you to navigate receiving a death benefit and your legal rights.
Life Insurance Companies that Cover Undocumented Immigrants: The Bottom Line
Although there are some life insurance companies that don’t cover undocumented immigrants, many companies do offer coverage no matter your status.
Undocumented immigrants can use an ITIN instead of an SSN to apply for coverage. Employment information, an address, and bank account information will have to be provided.
Shop around to get the best deal on life insurance no matter your immigration status. Every company will offer different rates so be sure to compare multiple companies.
To find the best rates from life insurance companies that cover undocumented immigrants, enter your ZIP code to receive free quotes today.
Enter your ZIP code below to compare cheap life insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.