Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 29, 2021

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The Brief

  • It’s possible to get life insurance with an International Taxpayer Identification Number (ITIN)
  • Insurance contracts are private agreements between an insurer and client
  • Some types of policies can help guarantee you get life insurance coverage

Finding life insurance as an immigrant can be confusing, but several life insurance companies across the country accept Individual Taxpayer Identification Number (ITIN) in lieu of a Social Security Number. You can buy term life or whole life insurance with an ITIN. 

If you’re looking for rates for life insurance companies that accept ITIN, enter your ZIP code into our free quote tool above.

What life insurance companies accept individual taxpayer identification numbers?

A life insurance agreement is a private contract between an individual and their insurer. The government isn’t involved in the assigning of the policy, and there are policy options to avoid any underwriting hassles that might come with lacking an established record in the United States.

For example, guaranteed or no-exam life insurance policy can help provide guaranteed coverage no matter your immigration status.

The table below lists life insurance companies that offer insurance coverage without requiring a medical exam:

Providers That Offer No Exam Insurance And Their Coverage Options

CompaniesType of InsuranceAge RangeCoverage Option
AmericoTermUp to 60Up to $250,000
ANICOTermUp to 60Up to $500,000
AssurityTerm18-65Up to $350,000
Banner Life/William PennTerm20-50$100,000 - $1,000,000
Lincoln Financial GroupTermUp to 60Up to $1,000,000
Penn MutualTerm Up to 65Up to 5,000,000
Principal LifeTermUp to 60Up to $1,000,000
SagicorTermUp to 65Up to $1,000,000
SBLITerm18-60Up to $500,000
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Life insurance companies that don’t accept ITIN do so to prevent any unforeseen risk in that person’s history from the period before they received their ITIN.

Can I get life insurance with an ITIN number?

Can you get life insurance with an ITIN? Yes, you most likely can.

Depending on the insurer, it can often be as simple as applying your ITIN and other simple underwriting information.

To get life insurance with your ITIN, you should:

  • Research compatible companies
  • Apply with your ITIN
  • Go through underwriting

As long as you don’t have any severe medical conditions, you should be on your way to having a good amount of coverage.

With your new policy, you can rest a little easier knowing that your family will be taken care of no matter what the future may bring.

Can I get life insurance without an ITIN?

It would be nearly impossible to get a life insurance policy without an Individual Taxpayer Identification Number or Social Security Number.

Without the ITIN, the insurer likely won’t give you a policy due to a lack of history or way to comply with the tax laws. The insurer can’t pay out on a policy if it can’t submit the tax documents.

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How much do immigrant life insurance policies cost?

If you’re applying with an ITIN, you may have to pay a little bit more for insurance. Due to the inability to track your entire financial history, as an SSN would allow, the insurer may be more hesitant towards giving preferential rates.

That being said, if you have an established credit history and documentation of your long-term residence, you may still be able to get some kind of affordable coverage.

That’s a long way of saying it’s possible to get life insurance for illegal immigrants.

When you get a life insurance policy, your best bet is to find an insurance company that offers some form of guaranteed coverage. There are a few types of life insurance policies that offer guaranteed coverage, including:

  • Guaranteed Life – You’re guaranteed some level of coverage with this policy. Still, it will likely cost more to cover that risk.
  • No Exam – If you’re worried about the underwriting process, this policy will give you coverage without medical underwriting.
  • Burial and Final Expense – If you don’t need a lot of coverage, this policy has a higher acceptance rate due to the lower level of coverage meant to cover the end-of-life medical bills and funeral costs.

The policies that overlook a portion of the risk in your life, such as guaranteed and the no exam policies, are likely to have higher rates to make up for the perceived increased risk.

Below are the average monthly rates for a guaranteed issue life insurance policy by age and gender. The price on a guaranteed issue policy varies a little from a policy that has a traditional underwriting component.

Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
AgeFemale Average Monthly RatesMale Average Monthly Rates
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You can still get a life insurance policy for under $100 a month if you’re starting your policy at a younger age, but, if the insurer can’t determine a long-term credit history, you may have to pay more for that risk as well.

Since the contract with a life insurance company is just between you and the business, you shouldn’t have to worry much at all about getting your new life insurance policy.

Many affordable life insurance companies that accept ITIN will be very willing to work with you to get insured.

What is an ITIN used for?

According to the Internal Revenue Service, an ITIN is a “tax processing number” that can be used to trace your financial proceedings while in the United States.

This can help immigrants keep up on taxes and establish a history in the country.

With an International Taxpayer Identification Number, an individual who doesn’t have access to a Social Security Number can comply with tax laws.

They can be issued to resident and nonresident immigrants in the U.S.

There are some things that an ITIN can’t do for you that an SSN would cover. For instance, an ITIN won’t allow you to:

  • Get a job legally
  • Give you access to any Social Security benefits

Any benefits typically given to U.S. residents who’ve paid into the social programs over long periods won’t be given to residents with an ITIN, even if they’ve been paying into the system their entire lives.

Can illegal immigrants get an ITIN?

If you’re not in the United States legally, you can still get an ITIN to help you comply with the tax laws in the country.

An ITIN can also help you open a bank account and establish proof of residency within the country. So, while it doesn’t serve as work authorization, it can still help you in other financial matters in your life.

How to Buy Life Insurance With ITIN Number

As an immigrant in the U.S., you may be concerned about your options regarding life insurance. However, some affordable life insurance companies will cover you with just your ITIN.

While you may have to pay more for some policies, it will provide peace of mind.

If you’re interested in finding quotes for life insurance companies that accept ITIN, enter your ZIP code into our free quote tool.