Life Insurance for Illegal Immigrants

Life insurance for illegal immigrants costs between $9-$16. Undocumented immigrant life insurance is affordable and carries the same rules as insurance for a natural-born U.S. citizen. Therefore, illegal immigrant life insurance rates are affected by the same factors as other Americans. Instead of using an SSN, undocumented immigrants can use an ITIN to get life insurance. Compare and shop around to find the best life insurance for illegal immigrants.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Illegal Immigrant Life Insurance Facts

  • Illegal immigrants can receive life insurance in the United States.
  • Undocumented immigrants need a bank account to pay monthly premiums.
  • You can use an ITIN instead of an SSN to get life insurance.

Life insurance for illegal immigrants sounds impossible, but it isn’t. For now, undocumented immigrants can receive life insurance in the United States. There are a few things an undocumented immigrant needs before they can get life insurance.

Our guide explains all of those needs, which life insurance is the best, and how life insurance costs per month. After you’ve read the article, you’ll know if a permanent life insurance or term life insurance policy is better for you.

Start comparing life insurance for illegal immigrants by entering your ZIP code in the FREE comparison tool above.

How do you get life insurance for illegal immigrants?

To get life insurance for undocumented immigrants, you’ll need a few things before you get a life insurance policy:

  • An ITIN
  • A Bank Account
  • Valid Home Address (you must live in the U.S.)

Life insurance without a Social Security Number (SSN) is possible. This is because life insurance companies will accept life insurance with an ITIN number.

Life Insurance with an ITIN

According to the Internal Revenue Service (IRS), the Individual Taxpayer Identification Number (ITIN) is an ID code given to you by the IRS.

The ITIN is unique, so no one else should have your code. If you’ve worked for a company in the U.S., you may see the ITIN on your paystub. If you didn’t receive one, the IRS could send you one through a W-7 request. Therefore, life insurance without SSN is possible.

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Your life insurance quotes are always free.

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Getting Life Insurance for Undocumented Immigrants

If you have an ITIN already, you can find a life insurance company. Don’t forget that you’ll need a bank account and valid address so they can send you a bill.

Life insurance companies do not report your undocumented status.

Most companies will protect their customers, and they will not disclose information unless a court order asks it. Life insurance is covered by the Health Insurance Portability and Accountability Act (HIPAA), but they carry their own privacy rules.

#1 – Select A Company

With an ITIN, bank account, and address, you can begin searching for affordable life insurance for illegal immigrants through various companies. Here’s a list of the best life insurance companies and their average monthly rates.

Average Monthly Life Insurance Rates by Company
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
New York Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
State Farm$15A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
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These life insurance rates were quoted from a 30-year-old nonsmoker. Life insurance rates will increase as you get older. Also, your health can change your life insurance rates. The better your health, the less you’ll pay for life insurance.

#2 – Choose a Life Insurance Policy

Once you’ve found the life insurance company you want, you’ll need to pick a life insurance policy type. Continue reading to see which policy has the most benefits and which life insurance policy has the cheapest rates.

Term Life Insurance

Out of the three life insurance policies in this section, term life insurance is the cheapest. Term life insurance is a policy that lasts for several years with a fixed coverage amount.

For example, you can get a life insurance policy with a $250,000 coverage amount on a ten-year term life policy. This means your term life insurance will last up to ten years with a death benefit of $250,000 if you pass away.

Permanent Life

Long term life insurance policies are called permanent life insurance or whole life insurance. These types of insurance policies last your entire life.

They carry benefits such as retirement savings and investments, depending on the type of permanent life insurance. Also, they have the same benefits as a term life insurance policy.

Guaranteed Issue Life Insurance

If you want to get life insurance without a medical exam, you’ll need a guaranteed issue life insurance. This policy is more expensive and provides the same benefit as term life insurance. People also call guaranteed issue life insurance non-medical or no exam insurance policy.

#3 – Get a Medical Exam

If you decide to get a term life or permanent life insurance policy, you’ll need to get a medical exam. Your health will determine the risk the life insurance company will take.

Once the life insurance company sees your medical exam, they will classify your status to determine life insurance rates. There are at least four classifications, which are:

  • Super Preferred (Preferred Plus)
  • Preferred
  • Standard
  • Substandard

The healthiest customers (nonsmokers included) are usually in the super preferred or preferred class. Smokers, people with high blood pressure, and individuals with pre-existing conditions may fall within the standard and substandard categories.

#4 – Buy Your Life Insurance Policy

After you’ve gone through all the steps to get life insurance, you can purchase a policy. Getting a quote doesn’t mean you have to buy life insurance. Shop around for life insurance rates that best for you.

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Life Insurance for Illegal Immigrants: The Bottom Line

Life insurance companies don’t need to know your immigrant status. All you need is the ITIN, a bank account, and an address to get life insurance. You can take advantage of the no medical exam life insurance plan, but you’ll pay more per month.

Look for term life insurance quotes for cheaper rates. If you earn more than most, consider buying a whole life insurance policy.

If you’re working in the U.S. on a visa or you’re applying for a green card, you can still get life insurance. Just follow these steps and the steps provided by the life insurance company.

Enter your ZIP code to compare multiple companies with our FREE online quote tool and find cheap life insurance for illegal immigrants.

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