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

UPDATED: Oct 25, 2021

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The Facts of Life

  • Undocumented immigrants can get life insurance through a variety of companies
  • If a social security number isn’t available, an individual tax identification number can be used for the life insurance application
  • Undocumented immigrants are entitled to death benefits from life insurance policies

The best life insurance companies believe that everyone should be able to have life insurance. That’s why there are a number of ways to sign up for coverage regardless of your immigration status.

Life insurance companies that cover undocumented immigrants have other ways to complete the application if you don’t have a social security number.

Shop around to find affordable life insurance companies that cover undocumented immigrants. Compare multiple companies to find the best coverage with the lowest rates.

Enter your ZIP code now to compare free quotes from life insurance companies that cover undocumented immigrants in your area.

What life insurance companies cover undocumented immigrants?

Many life insurance companies aren’t concerned with immigration status and will offer coverage to undocumented immigrants.

Getting life insurance is similar for everyone no matter your status. Simply choose your company and the life insurance coverage you need. You also may need a medical exam in order to complete the process.

You will have to provide some documentation for your application. If you don’t have some sort of documentation that proves your identity, you won’t be able to get life insurance coverage.

There are many factors that are used to determine your life insurance rates, such as age, medical history, hobbies, habits, and employment.

Those same factors are used to calculate rates for all applicants. The best life insurance for undocumented immigrants will depend on each individual.

Rates are not any higher based on your immigration status. Your personal information determines your rates.

This table shows you average rates for non-smokers from some of the top life insurance companies.

Average Life Insurance Rates from Top Companies
Insurance CompanyAverage rates single 25-year-old femaleAverage rates single 25-year-old maleAverage rates married 35-year-old femaleAverage rates married 35-year-old maleAverage rates married 45-year-old femaleAverage rates married 45-year-old maleAverage rates married 55-year-old femaleAverage rates married 55-year-old maleAverage rates married 65-year-old femaleAverage rates married 65-year-old male
John Hancock$172.50$178.30$178.30$189.80$241.50$292.10$407.10$533.60$937.30$1,380.00
Lincoln National$187.00$231.00$191.00$238.00$239.00$283.00$435.00$615.00$903.00$1,577.00
MassMutual.$132.00$147.00$137.00$151.00$209.00$230.00$373.00$451.00$763.00$1,049.00
New York Life$158$152$164$160$262$245$414$696$924$1,416
Prudential Financial$195.00$237.00$196.00$248.00$314.00$378.00$496.00$584.00$941.00$1,412.00
State Farm$143.00$164.00$166.00$175.00$238.00$239.00$341.00$396.00$684.00$955.00
Transamerica$164.00$176.00$161.00$171.00$229.00$255.00$453.00$527.00$1,139.00$1,367.00
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Keep in mind that rates will be different for each person. Certain medical conditions, habits, and hobbies may raise your rates.

Your job and criminal history can also affect your rates.

Certain jobs come with more risk so life insurance rates reflect that risk. If you work in risky occupations like transportation, warehousing, or agriculture, your life insurance rates may be higher.

Overstaying a visa, for example, is considered a crime and may show up on a criminal background check. This could also raise your life insurance rates.

Rates will also vary from company to company. For example, if you are a smoker, one company may require you to purchase high-risk life insurance while another company won’t.

Enter your ZIP code below to compare cheap life insurance rates.

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What are the life insurance requirements for undocumented immigrants?

In order for an undocumented immigrant to receive life insurance, certain requirements must be met. The life insurance company must be able to prove who you say you are.

Insurance companies are all about risk. They use your personal information to determine how risky you are to insure.

Undocumented immigrants need to give the insurance company as much information as possible in order to get life insurance coverage.

Can undocumented immigrants get life insurance without a social security number? Yes, but they do still have to provide certain information.

An undocumented immigrant won’t have a social security number (SSN), but they are eligible to receive an individual tax identification number (ITIN).

Every ITIN is different, much like a social security number. An ITIN is issued by the federal government and is solely used for tax purposes. It does not authorize work or provide social security eligibility.

However, it can be used for identification purposes when an SSN is not available. Whether you use an SSN or an ITIN, the insurance company won’t ask questions about your immigration status.

Insurance companies ask for an SSN or ITIN to protect against fraud and also to disburse the death benefit if needed.

You will also have to provide the life insurance company with your address, banking information for payments, and employment information.

Can undocumented immigrants receive a death benefit?

A death benefit is the life insurance payout if the insured passes away. In order for the benefit to be paid, the beneficiary must file a life insurance claim.

Can undocumented immigrants get insurance death benefits? Yes, federal law protects the disbursement of death benefits regardless of immigration status. You can also receive the death benefit no matter if you are still in the country or not.

However, other government agencies concerning immigration status may be alerted. For example, Immigration and Customs Enforcement (ICE) may become involved if the beneficiary is undocumented.

Consulting an immigration lawyer will help you to navigate receiving a death benefit and your legal rights.

Life Insurance Companies that Cover Undocumented Immigrants: The Bottom Line

Although there are some life insurance companies that don’t cover undocumented immigrants, many companies do offer coverage no matter your status.

Undocumented immigrants can use an ITIN instead of an SSN to apply for coverage. Employment information, an address, and bank account information will have to be provided.

Shop around to get the best deal on life insurance no matter your immigration status. Every company will offer different rates so be sure to compare multiple companies.

To find the best rates from life insurance companies that cover undocumented immigrants, enter your ZIP code to receive free quotes today.