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: May 13, 2021

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The Brief

  • Undocumented residents can get any time of life insurance
  • Citizenship is not a requirement when purchasing life insurance
  • Beneficiaries that may be undocumented are still protected under federal life insurance rules

Can undocumented immigrants get life insurance? Absolutely. Life insurance for illegal immigrants is not difficult to find, because citizenship is not a requirement for most providers.

Why is it important for illegal immigrants to have life insurance? Life insurance is a way for people to plan for the future. It could be a vital piece of security whether you’re a natural citizen or not.

If you’re the breadwinner in the family or don’t want your family to take on the extra expense of a funeral, life insurance is a good safety net. Keep reading to learn more about how to get sample life insurance rates for illegal immigrants.

Or, enter your ZIP code now to compare your local life insurance company for illegal immigrants with others in your area.

Can undocumented immigrants get life insurance?

Yes. Insurance for immigrants, like with any insurance, requires a bit of background information and proof of residency.

You don’t need to own a home, but you need to provide some proof you’ve established a residence in the U.S. (This could be a rental or proof you’re living with someone.)

Next, you will need to apply for an individual taxpayer identification number through the IRS. This is not in any way indicative of the legality of your citizenship, rather it fulfills a reporting requirement under the Internal Revenue Code.

You will also need to have a bank account.

Keep reading to learn more about how to get insurance for undocumented immigrants

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What is the process to buy life insurance for illegal immigrants?

Like with any person wanting coverage, affordable life insurance for illegal immigrants starts with risk.

First, your provider will access your life insurance risk class. This part is called the underwriting process. Your provider will determine what coverage you qualify for and your rates based on your likelihood to die — morbid, but the truth.

Before your risk is calculated though, your provider will ask you to fill out an application. Learn more about what that may look like.

How do I file a life insurance application?

After you’ve chosen the provider you may want to contract with, you complete an application that lists your background.

Information gathered may include:

  • Birth date
  • Medical history
  • Family medical history
  • Where you live
  • How many beneficiaries you have

You’re likely to find coverage with little effort. However, you should also protect yourself. There should never be an extra cost to undocumented persons when trying to buy life insurance.

Pick a company that has the best rates for the right coverage for your family’s future.

Life Insurance for Illegal Immigrants: The Bottom Line

Undocumented immigrants can get life insurance with little to no issue. If you already have an ITIN, you’re one step ahead.

Filing for an individual taxpayer identification number is the only hoop you have to jump. After you’ve received your number, you can start your life insurance search.

Enter your ZIP code to compare life insurance quotes for illegal immigrants in your area.