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What You Should Know
- Undocumented immigrants may be able to purchase a life insurance policy from most insurance companies in the United States
- Life insurance companies have different requirements when it comes to purchasing a policy as a non-U.S. citizen
- You should be able to find an affordable life insurance policy as an undocumented immigrant
There are over 11 million undocumented immigrants currently living in the United States. If you fall into this category, you may be curious to learn more about life insurance companies that cover undocumented immigrants.
There are life insurance companies that will cover you if you're undocumented immigrant. These companies may even cover you at a similar rate to a U.S. citizen.
In order to find life insurance for non-U.S. citizens, you will need to make sure you have a few documents ready to go. In addition, you will likely already need to have a bank account set up.
Life insurance for an undocumented citizen may differ from life insurance for permanent residents in cost or different policy options. Nevertheless, shopping around for life insurance quotes for undocumented immigrants will give you a good idea of what to look for.
You will probably be able to find affordable life insurance for undocumented immigrants by shopping around and comparing quotes online to find the best life insurance.
You can compare life insurance rates for undocumented immigrants by searching for companies online, or you can use an online quote tool that compares multiple companies at once to show you the best deal.
If you want to find life insurance companies for undocumented immigrants, you can use our free quote tool above to find your best options and see how much you might pay.
Which life insurance companies offer coverage to undocumented immigrants?
You will find that the vast majority of U.S. life insurance companies will potentially offer life insurance for international citizens and undocumented immigrants.
While the list of companies that offer life insurance is expansive, some of the best life insurance companies include the companies listed in the table below. You will also find potential monthly rates for life insurance coverage.
| Life Insurance Company | Average Monthly Rates |
|---|---|
| Banner Life | $9 |
| Principal | $9 |
| Protective | $9 |
| Guardian Life | $10 |
| MassMutual | $10 |
| Haven Life | $11 |
| New York Life | $11 |
| John Hancock | $11 |
| Mutual of Omaha | $12 |
| Nationwide | $13 |
| State Farm | $15 |
| Allstate | $15 |
| Prudential | $16 |
| Northwestern Mutual | N/A |
| Pacific Life | N/A |
| Primerica | N/A |
While the rates listed above are for a term life insurance policy for a 30-year-old non-smoker, they may still give you a good idea of what you can expect to pay for life insurance as a non-U.S. citizen.
Can a non-U.S. citizen get life insurance?
Just like a citizen of the United States, a non-U.S. citizen can get a life insurance policy. But undocumented immigrants will still need to have a few things ready to go before they pursue purchasing a life insurance policy.
A few of the things you'll need before you can get life insurance include:
- Some form of official identification
- Proof of a substantial U.S. presence
- A bank account
If you do not have a social security number, you will need what's called an individual taxpayer identification number or ITIN. Life insurance with an ITIN number is not difficult to find, but you have to have your number ready to go. You must have proof of being a taxpaying citizen.
For some companies, the proof of a substantial presence in the United States can be one year of residency. But some companies may require up to five years of residency before offering a life insurance policy to an undocumented immigrant.
A lot of life insurance companies may require that you have a bank account before offering you a policy. This is a safety net for insurance companies as it stands as proof of your eligibility and presence in the U.S. as well.
Lastly, there are a few insurance companies that may require that you are a native of one of their approved countries. This means that immigrants from certain countries may have a harder time finding life insurance coverage because their nation is not on an approved countries list.
Can an illegal immigrant be a beneficiary?
If you are an undocumented immigrant, you may also wonder whether you can be named as the beneficiary of another person's life insurance policy.
In the United States, a life insurance company is legally obligated to pay any life insurance benefits to the beneficiary of a policy. This means that even if you are an illegal immigrant, you will still have full rights as the beneficiary of a policy.
What's more, life insurance companies have to pay you regardless of where you live. So if you move back to your home country or decide to leave the U.S. for any other reason, you will still receive the life insurance benefits.
Should I purchase life insurance as an undocumented immigrant?
If you are an undocumented immigrant with a family in the United States, or if you have a substantial amount of U.S. debt, you should consider purchasing a life insurance policy.
Life insurance for Mexican citizens and citizens from other countries that are often approved for coverage is not that difficult to find. But you will want to shop around and compare prices to make sure you're getting the best deal you can.
In fact, before you buy life insurance for undocumented immigrants, you can use our free quote tool below to access rates from top companies in your area and find the cheapest plans.