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

UPDATED: Oct 29, 2021

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The Brief

  • Life insurance companies will have different requirements and underwriting processes
  • If you are an undocumented immigrant without a Social Security Number, you can obtain life insurance with an Individual Taxpayer Identification Number
  • Undocumented immigrants can receive the same benefits that American citizens receive with their life insurance policies

Some life insurance companies cover undocumented immigrants. Life insurance for illegal immigrants is just as important as life insurance for an American citizen.

For this reason, a lot of insurance providers do not require you to be a citizen of the United States to purchase insurance. Instead, you simply must reside in the country.

Obtaining life insurance isn’t just in your best insurance, but your loved ones as well. Ensure they are taken care of once you are gone, and make sure all of your expenses have been taken care of.

Make sure the company you choose allows undocumented immigrants to get insurance. Enter your ZIP code and get a free quote today.

What are the best life insurance companies that cover undocumented immigrants?

Don’t hesitate to buy life insurance as an undocumented immigrant. Listed below are the companies with the best affordable life insurance for undocumented immigrants and their A.M. Best financial ratings:

Life Insurance Providers and Their A.M. Best Ratings
CompanyA.M. Best Rating
Banner LifeA+
PrincipalA+
ProtectiveA+
Guardian LifeA++
MassMutualA++
Haven LifeA++
John HancockA+
Mutual of OmahaA+
NationwideA+
State FarmA++
AllstateA+
Prudential A+
Northwestern MutualA++
Pacific LifeA+
PrimericaA+
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Your choice isn’t limited to this list of life insurance companies. You may find more affordable life insurance rates for undocumented immigrants from a local provider, so shop around before you buy so you can get the best price.

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Can undocumented immigrants get life insurance?

It is crucial to remember that different life insurance carriers will have different regulations, and life insurance companies that don’t cover undocumented immigrants will have requirements that you may not meet.

Can undocumented immigrants get insurance? Yes, but as a general process, it is essential to have six things to make it easier:

First and foremost, as an undocumented immigrant applying for life insurance, you should reside in the United States.

You will also need an Individual Taxpayer Identification Number (ITIN) if you do not have a Social Security Number (SSN). If you need to apply for an ITIN, you can access a W7 form through the IRS website.

For your insurance company to draft your premiums, you must have a United States bank account.

Smaller, easier things you will need to have available for the insurance company will be your driver’s license, information about when you were last seen by a doctor, and your employment history.

What types of life insurance are available for undocumented immigrants?

Depending on which life insurance company you are purchasing a policy from and whether or not they accept ITINs, you may have all types of policies available to you.

You can choose from term life insurance, which is a policy that pays out a death benefit, should the insured die during the stated term period. These policies can take place anywhere from one to 30 years.

Permanent life policies are also available: Whole, Universal, and Indexed Universal. These policies never expire and pay out a death benefit but also come with a savings portion.

Each one is structured differently, so find out which one would be best for you and your loved ones.

The third type of policy available would be a simplified issue plan. A simplified issue plan quickly provides you with a limited amount of insurance. There is no waiting period involved – although premiums may be a little bit higher.

Lastly, No-Medical/No Exam insurance policies are also accessible. These types of policies do not require you to get a medical exam to obtain coverage.

Although all of these are readily available to undocumented immigrants, each life insurance company will have different requirements for the underwriting test and specific policyholder requirements.

This includes age, health, and coverage limitations.

What can I do with life insurance as an undocumented immigrant?

Undocumented immigrants have just about all of the same benefits as American citizens do.

  • You can name beneficiaries
  • Your policy can pay out a death benefit
  • Your death benefit is tax-free
  • Your policy is portable – as long as your insurance company approves your life insurance paperwork and application, you will have valid life insurance anywhere you travel

Federal law protects life insurance beneficiaries; therefore, undocumented immigrants can receive death benefits from life insurance policies regardless of immigration status.

Why should I get life insurance as an undocumented immigrant?

You should get life insurance as an undocumented immigrant because everybody’s life – and their loved ones’ lives – should be protected no matter what.

Many undocumented immigrants commonly work in dangerous occupations: construction, transportation, or other strenuous jobs.

Blue-collar workers are exposed to a more hazardous working environment. Because of this, work-related accidents are more common.

A life insurance policy will help your family survive financially, should the worst happen while you are at work – or any other time.

Undocumented immigrants need to find the best life insurance rates for themselves and their loved ones. Enter your ZIP code and compare free life insurance quotes today.