Can Undocumented Immigrants Actually Buy Life Insurance without SSN? Here’s What You Need to Know.

There are many people living in our country today who do not have a social security number or SSN. While an SSN is a common form of identification used for everything from banking to school admittance, some people don’t have them because they have recently moved to the country, they are living here illegally, or are an undocumented immigrant.

We do have a great company who will offer term life insurance if you have at least an ITIN and life insurance for undocumented immigrants.

Policy options

The policy provides level term insurance for 20 years. You can choose a death benefit based on the following coverage amounts.

  • $25,000
  • $50,000
  • $100,000
  • $150,000
  • $200,000
  • $250,000

This product is available in almost all states. So call to see if your state is approved to offer this product.

Issue ages

  • 20 Year level term for ages 18-55 Years Old
  • 15 Year level term life insurance for ages 56-60

Underwriting Requirements

  • No Medical Exam Required.
  • Answer only four health-related questions to determine insurability.


This policy also has a return of premium rider attached.  If you are living at the end of the 20 year term period, all premiums paid will be refunded to you.

Call 614 309 3660 for a quote or…

Must click this button to get a quote if you have no SS#.

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Can you buy Life insurance without a social security number?

Just because a person doesn’t have an SSN doesn’t mean they might not want life insurance. So should they have to miss out? Not with us. It is possible to find life insurance without SSN, but you may have to do some extra research to find an insurance company that is willing to offer a policy without it or offers life insurance for undocumented immigrants. We have the capability to get most individuals covered even illegal immigrants.

You have to find the right company.

For life insurance without SSN, the company would have to use some other form of identification such as a green card, visa,  or an ITIN#. To make sure you are the person you say you are. You see, most life insurance companies use SSN to ensure no insurance fraud is being committed. Plus an SSN is the way the life insurance company will underwrite the policy.

Typically an SSN is needed to see about your health history and doctor records.  Life insurance companies are trying to make a profit and provide everyone with affordable coverage so in order to do so they must do their due diligence and the proper underwriting for every individual.

The beneficiary of a life insurance policy if he/she does not have a social security number?

Can someone be a beneficiary of a life insurance policy if he/she does not have a social security number? You do not need to list beneficiaries SS# on the life application so it is possible to leave the money to who you choose.  Typically you want to check with the life insurance companies before you would even apply, that way you are certain this is possible before you go through the whole underwriting process.

Listing the address, date of birth and ss# of a beneficiary makes it easier for a life insurance company to locate a beneficiary in the event of a claim.

Can you buy life insurance if you’re illegal residents or alien?

When it comes to people wanting to buy life insurance without SSN because they are actually illegal residents, this is a whole other situation entirely.

We do know of one company who will offer life insurance without being a US Citizen, but you need an ITIN and they will only write up to $250,000 in death benefit. You cannot be older than 60 to get the policy.  See above for policy options.

Get in touch

If you don’t have a social security number but would still like to learn about the life insurance options that are available to you, the best course of action is to contact one of our licensed insurance agents.

Our agents will have good knowledge of the insurance companies in the industry and will know which ones will offer life insurance without SSN. Speaking to an agent first, before wasting hours on the Internet searching for such a company, will save you a great deal of time.

Must click this button to get a quote if you have no SS#.

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