Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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 Benji Carr

UPDATED: Nov 23, 2021

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The Facts of Life

  • Some life insurance companies will sell policies to people with just an ITIN and not a Social Security number
  • To be approved for life insurance, an applicant should have good connections to the United States
  • The Internal Revenue Service can give someone an ITIN regardless of immigration status

If you want to buy from life insurance companies that accept ITIN numbers, it can be hard to gather all the facts. Getting certain types of coverage can be complicated, especially for anyone without a Social Security number.

This guide will lead you through the procedure and give you the facts so you can safeguard your family or use life insurance as an investment.

Keep reading to find out how you can buy insurance from the best life insurance companies that accept an ITIN.

You can shop for affordable life insurance companies that accept ITIN right now. All you have to do is enter your ZIP code to find rates from life insurance companies that accept ITIN in your area.

Companies That Will Sell Life Insurance With An ITIN

Many people living in the U.S. do not have a Social Security number for various reasons. For example,  you could be a new immigrant or a student from abroad.

Can you get life insurance with an ITIN? Fortunately, yes. Companies will still sell you life insurance with an ITIN. It is a form of identification that is just as valid as any other.

To help you decide which company to choose, take a look at the top-rated life insurance companies in the country:

A.M. Best Ratings of the Best Life Insurance Companies
CompaniesA.M. Best Rating
Banner LifeA+
Guardian LifeA++
Haven LifeA++
John HancockA+
Mutual of OmahaA+
New York LifeA++
Northwestern MutualA++
Pacific LifeA+
State FarmA++
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There are also life insurance companies that don’t accept an ITIN, so you might need to shop around.

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What is an ITIN, and how can I get one?

The Internal Revenue Service (IRS) provides non-citizens with an ITIN as a means of identification to pay taxes.

“Can I get life insurance with an ITIN number?” you may ask, due to your immigration status? Yes, you can. And you can rest easy knowing that getting the ITIN is quite simple.

Simply fill out the W-7 form from the IRS, and it will provide your number to you in seven weeks or less.

What do I need to qualify for life insurance with an ITIN?

The most important thing life insurance companies will look for is if you have significant ties to the United States. Owning property is one way to prove this.

One example where you would not be able to obtain life insurance in the United States is if you recently entered the nation illegally without documentation.

Suppose this is the case and you don’t have anything, such as bank accounts other substantial connections to the country yet. In that case, you are likely to be denied even if you find a life insurance company that accepts ITIN life insurance.

What will life insurance with an ITIN cost?

If you’re curious about how much $250,000 in life insurance costs, here are some average monthly rates for term life insurance for that amount:

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$250,000 Policy Average Monthly Life Insurance Rates$500,000 Policy Average Monthly Life Insurance Rates$750,000 Policy Average Monthly Life Insurance Rates$1 Million Policy Average Monthly Life Insurance Rates$2 Million Policy Average Monthly Life Insurance Rates
20-Year-Old Male$18$29$40$47$86
20-Year-Old Female$15$22$30$35$64
25-Year-Old Male$17$28$39$46$86
25-Year-Old Female$15$22$30$35$65
30-Year-Old Male$18$29$40$47$89
30-Year-Old Female$15$23$31$37$69
35-Year-Old Male$19$31$44$52$99
35-Year-Old Female$17$26$36$43$79
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Life insurance policies for non-citizens are limited by some insurers to only certain types of life insurance. These are sometimes more expensive options, such as permanent insurance.

While this type of life insurance gives protection for your whole life and has a cash value, it’s also pricier because of those benefits.

To get the best deal, you have to fill out your details so that an insurance company can give you an accurate quote. You can enter your ZIP code to check rates in your area.

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Life Insurance Companies That Accept ITIN: The Bottom Line

Hopefully, this guide has answered all your questions about life insurance companies that accept ITIN, life insurance options, and more.

Before you buy life insurance from companies that accept ITIN, get the advantage by shopping around. Compare quotes from life insurance companies that accept ITIN by entering your ZIP code now into our free tool.