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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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: Jun 6, 2022

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The Facts of Life

  • Getting life insurance without an SSN can be difficult, but there are options available
  • You will likely need to have an alternate form of identification to buy life insurance
  • The top life insurance companies that offer life insurance without an SSN are Globe life insurance, Gerber life insurance, and Prudential life insurance

Finding life insurance when you don’t have a Social Security number can be difficult, but there are some options.

Although some companies offer life insurance to people without an SSN, you will most likely need to have some other form of identification such as a green card or an ITIN.

So what are some affordable life insurance companies that don’t require a SSN? And when it comes to term insurance vs. whole life insurance, which policy is better for people without an SSN?

In this article, we’ll go through everything you need to know about finding affordable life insurance when you don’t have an SSN.

Looking for the best rates from life insurance companies that don’t require a SSN? Enter your ZIP code to get free quotes from the best companies in your area.

What are some of the best companies that don’t require you to have a Social Security number?

Although getting life insurance when you don’t have an SSN can be difficult, there are many companies that will cover you if you don’t have an SSN.

The best companies for people without Social Security numbers are Globe life insurance, Gerber life insurance, and Prudential life insurance.

Although these companies offer life insurance options to people without an SSN, you will most likely be required to have an alternate form of identification in order to qualify for a policy.

Usually, this is either your green card or ITIN.

If you have either of these, you will be able to find coverage more easily.

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

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Are my coverage options limited if I don’t have an SSN?

Coverage options for people without Social Security numbers are sometimes limited, but the basic policies are usually still available. Two of the most common types of life insurance are term life insurance and whole life insurance:

  • Term life insurance is cheaper to buy and is a good option to consider if you’re looking for a short-term policy with a lot of flexibility.
  • Whole life insurance, on the other hand, provides permanent coverage and generally has more benefits. However, whole life insurance is considerably more expensive to buy.

Because certain policy options may not be available if you do not have an SSN, talking with insurance companies and comparing coverage can help you find a policy that you qualify for.

What’s the bottom line on buying life insurance without an SSN?

While searching for life insurance without an SSN can be intimidating, you will likely still be able to find coverage.

In most cases, you will need to provide an alternate form of identification to qualify for insurance, such as a green card or an ITIN.

While policy options may be limited, both term life insurance and whole life insurance are likely to be available and are good policies to consider. Globe life insurance, Gerber life insurance, and Prudential life insurance are all good options that are available for people without an SSN.

However, before you buy life insurance from companies that don’t require a SSN, it’s important to compare your options.

Looking for life insurance? Enter your ZIP code to get free quotes from life insurance companies that don’t require a SSN in your area.