Can I buy life insurance with ITIN number?
Asked by: Elian Glover MD | Last update: January 23, 2026Score: 4.2/5 (51 votes)
Can an ITIN number be used for insurance?
You may be able to use your Individual Taxpayer Identification Number (ITIN) instead of an SSN. Most insurance plans are focused more on your current residence than your SSN. You just need to submit proof that you live in the state.
Can undocumented immigrants buy life insurance?
You can get life insurance if you are an undocumented immigrant. The key is to apply with the right life insurance company, as most will underwrite your immigration status before looking at your health and lifestyle.
Can I get life insurance without a SSN?
The short answer is yes, but it isn't all that simple. Many carriers require a Social Security Number for a number of important reasons. An insurance company doesn't have a legal requirement to insure everyone who applies, so it is within their right to deny coverage to someone without a Social Security Number.
Can you get life insurance on a non-US citizen?
Yes, foreign nationals can typically qualify for the same kinds of life insurance coverage as US citizens, as long as they have permanent legal resident status in the US, i.e., if they hold a green card.
Get Life Insurance with an ITIN
Can I get life insurance with an ITIN?
Did you know that you don't need a Social Security Number (SSN) to secure life insurance in the United States? For millions of individuals living here without an SSN, an Individual Taxpayer Identification Number (ITIN) can be the key to protecting their loved ones and planning for a more secure future.
What is the best life insurance company for non US citizens?
Visa and green card holders can still buy life insurance in the U.S. Your policy options will depend on your residency status and type of visa. Lincoln Financial, Prudential, and Transamerica are our top picks for non-U.S. citizens and foreign nationals.
Do you need someone's SSN to add them to life insurance?
Do you need to provide the Social Security number of your beneficiary? Typically, you will not need to provide the SSN for your beneficiary. This is because who you name as your beneficiary is your choice and can be changed at any time.
Can you get life insurance with a work permit?
In conclusion, Life insurance with a work visa is possible IF you are working with the right agency. The key takeaway is that not every company will approve coverage and not all approvals will be the same. Different carriers have different processes and available options for non-US citizens.
Do you need SSN for insurance?
Car insurance companies request potential customers' social security numbers because it is the easiest way to access vital information about the insured. Insurers use a driver's SSN to gather information such as their driving record, age, and marital status, each of which are important contributors to rates.
Can non US citizens buy insurance?
Potentially, yes. You must have a qualifying immigration status, such as permanent residency (green card), certain types of visas, refugee status, or, starting in November 2024, Deferred Action for Childhood Arrivals (DACA). You can find more information about qualifying statuses here.
Do you have to be a US citizen to get a life insurance license?
General Requirements
Applicants must be: Be at least 18 years of age; A resident in the state in which you are attaining your insurance license; Be a U.S. citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.
Can illegal immigrants get insurance in the US?
Undocumented immigrants can't get Marketplace health coverage. They may apply for coverage on behalf of documented individuals.
Can I use my ITIN instead of SSN?
The ITIN cannot be used in place of an SSN (if eligible for the latter) for tax and wage reporting. How do I apply for an ITIN? Submit a completed IRS Form W-7 Application for IRS Individual Taxpayer Identification Number, along with documentation to substantiate your foreign status and true identity, to the IRS.
Can I work legally with an ITIN?
All in all, yes, you can work with an ITIN number in California, and with the right payroll support, it's not only legal but advantageous for your business.
How long is ITIN valid?
Your ITIN remains valid as long as it's used at least once every three years for filing US taxes. Without usage for three consecutive years, it expires on December 31 of the third year.
Can a non-US citizen buy life insurance?
Can a non-U.S. citizen buy life insurance? You may qualify for a life insurance policy, but only if you have a green card or carrier-approved visa. Not all life insurance carriers provide the same opportunities for life insurance coverage for non-permanent residents, making it important to shop around.
Can you get health insurance with an ITIN number?
No. ITINs are not the same as SSNs. The application will verify SSNs with the Social Security Administration, which cannot verify ITINs.
Can I get life insurance if I'm unemployed?
COVID-19 has brought time of uncertainty, job loss and financial insecurity that has left many families scrambling to have a form of financial protection. You might be wondering if it's worth it or even possible to get a life insurance policy when you're unemployed. The simple answer is yes.
Can you get life insurance without SSN?
However, you can obtain life insurance if you don't have a social security number. It's true. The application process can be easy, too. Not many carriers offer life insurance for people without a social security number, but some do.
Can you add someone to insurance without SSN?
You can include family members who don't have a Social Security number in your plan if they have lawful immigration status. You and your undocumented family members who don't have SSNs have 90 days to provide appropriate documentation. Undocumented immigrants cannot get marketplace coverage.
Can you add a beneficiary without SSN?
You are not required to enter Social Security numbers at the time you enter your beneficiary designations. However, if you don't, TRS may follow up with you periodically to remind you to provide this information.
Can I get life insurance if I'm undocumented?
Other Frequently Asked Questions. Can undocumented immigrants get life insurance? Yes, undocumented immigrants can purchase life insurance in the United States. While it may be more challenging for them to find coverage, there are insurance companies that offer policies specifically for non-US citizens.
Can non-US citizens get insurance?
Qualified non-citizens include lawful permanent residents, like green card holders, asylees and refugees. Other qualified non-citizens are listed above. If you're a lawfully present individual, you can get private health insurance on the Marketplace. You might be able to get help paying for insurance too.
Who is the number 1 life insurance company in the US?
List of life insurance companies. Researching the top 10 life insurance companies can offer valuable insights when considering your options. Based on the latest 2023 data from the National Association of Insurance Commissioners (NAIC), New York Life leads the pack with a 6.86 percent market share.