Illegal Immigrants Life Insurance Rates (2024)
Undocumented immigrants can qualify for life insurance coverage without a Social Security number as long as they have another form of legal documentation. Most providers offer affordable life insurance for illegal immigrants, but your individual life insurance rates will vary based on age, gender, employment, and policy type. Life insurance for immigrants includes universal, whole, and term life policies.
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Jeffrey Johnson
Insurance Lawyer
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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UPDATED: Mar 24, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 24, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Illegal immigrants can apply for universal life, whole life, term life, and no medical exam life insurance policies
- Federal law protects undocumented life insurance beneficiaries, but you should speak with an immigration lawyer to learn your rights
- Life insurance rates are not affected by immigration status, but employment and criminal history can make you high-risk
Life insurance coverage is available for the nearly 11 million undocumented immigrants living and working in the United States.
You do not need a Social Security number to apply for life insurance, but you will need some form of legal documentation, such as a green card or tax ID number.
Read now to learn how to get life insurance quotes for illegal immigrants and how much you can expect to pay for your policy.
Life insurance rates will vary based on age and gender. Use our online comparison tool to get free life insurance quotes from multiple local companies before you buy life insurance for illegal immigrants.
Can you get life insurance for illegal immigrants?
Yes, it’s possible to get life insurance for illegal immigrants, but it will be challenging to find coverage without any documentation at all. Illegal immigrants without any documentation will not qualify for life insurance coverage.
You don’t need a social security number to get a life insurance policy, but you will need a student visa, green card, or an individual taxpayer identification number (ITIN).
The IRS issues ITINs to immigrants and foreign nationals who are working in the United States. With an ITIN, you can open a bank account, file taxes, and start the life insurance application process.
How do you get an ITIN? Apply for one with a W-7 form from the IRS. The application does not ask about citizenship status, and life insurance companies will not use an ITIN to check citizenship status, either.
Rather, life insurance providers use an ITIN to run medical and criminal background checks to determine risk-level and premium costs.
If you’re looking for the most affordable life insurance rates, apply for coverage with the following in order to speed up the underwriting process:
- an ITIN;
- a driver’s license;
- a last-seen doctor’s note; and,
- employment history.
Each life insurance company will have its own underwriting process, so it’s important to shop around online to compare multiple quotes from multiple companies before you buy life insurance for immigrants.
Read More: Top Life Insurance Companies That Accept ITIN
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Are there life insurance requirements for illegal immigrants?
Life insurance companies have certain requirements for policyholders regardless of immigration status, including age, health, and coverage limitations.
For example, no medical exam life insurance is often limited to $100,000 in coverage while other policies can provide millions of dollars in coverage.
When you apply for life insurance as an immigrant, your coverage limits and rates will be impacted by your health history, employment and lifestyle, criminal background, and what kind of policy you choose.
Scroll down to compare whole, term, and universal life insurance rates for illegal immigrants.
How much are illegal immigrant life insurance rates?
In general, life insurance rates vary by age, gender, policy, and medical history. Insurance providers will also look into your employment history and criminal background to determine if you are high-risk, which raises your rates.
The table below shows average life insurance rates by company and policy type for men:
Sample Average Monthly Life Insurance Rates by Company and Product for Men
Companies Product Male Age: 30 Average Monthly Rates Male Age: 35 Average Monthly Rates Male Age: 40 Average Monthly Rates Male Age: 45 Average Monthly Rates Male Age: 50 Average Monthly Rates Male Age: 55 Average Monthly Rates Male Age: 60 Average Monthly Rates Male Age: 65 Average Monthly Rates Male Age: 70 Average Monthly Rates Male Age: 75 Average Monthly Rates Male Age: 80 Average Monthly Rates
AIG Term life > $27 N/A N/A N/A >$30 $29.45 $32.58 $43.08 $50.49 $70.28 $124.22
Accordia Life Term Life $16.91 N/A $23.36 N/A $56.07 N/A $128.84 N/A N/A N/A N/A
ANICO Signature Term $12.53 $12.96 $15.98 $22.68 $31.75 $47.30 $76.25 $132.19 $227.88 NA NA
Assurity Term Life $16.31 $16.31 $21.32 $28.49 $43.07 $62.64 $100.05 $153.99 $245.78 $465.67 NA
Banner OPTerm $12.68 $13.33 $17.71 $22.10 $32.90 $45.99 $73.81 $123.03 $211.06 $399.22 NA
Cincinnat Termsetter $13.42 $14.96 $18.70 $22.88 $32.56 $49.50 $78.98 $140.36 $257.40 $456.94 NA
Fidelity Life Term Life $19.14 NA $25.01 NA $54.59 NA $73.92 NA NA NA NA
John Hancock Vitality Term $14.09 $14.24 $16.96 $22.14 $28.41 $43.04 $68.14 $117.04 $245.79 $455.46 $849.79
Liberty Mutual Term Life $33.75 NA $55.13 NA $144.68 NA $399.83 NA NA NA NA
Lincoln National Term Accel $12.34 $12.63 $15.22 $21.84 $30.96 $46.75 $71.95 NA NA NA NA
MassMutual Vantage Term $13.28 $13.48 $16.98 $24.58 $35.03 $53.50 $82.65 $147.03 $256.00 $478.08 NA
Minnesota Life Advantage Elite $13.46 $13.99 $17.95 $25.87 $36.56 NA NA NA NA NA NA
Mutual of Omaha Term Life Answers $13.33 $14.19 $19.35 $23.22 $33.33 $50.31 $80.84 $148.35 $274.13 $525.68 $908.38
Nassau Life Term Life $17.43 NA $26.15 NA $51.69 NA $119.78 NA NA NA NA
Nationwide YourLife $13.56 $13.56 $16.41 $22.97 $32.59 $47.91 $86.41 $152.03 $260.97 NA NA
North American ADDvantage $12.98 $13.20 $16.50 $22.88 $31.90 $48.40 $77.44 $133.98 NA NA NA
Pacific Life Promise Term $12.32 $12.32 $15.59 $21.85 $30.09 $45.46 $69.89 $123.04 $211.07 $399.24 $874.22
Principal Term Insurance $12.69 $12.69 $15.80 $23.05 $31.15 $45.65 $71.97 $126.66 $217.44 $410.99 $902.78
Protective Classic Choice $11.62 $11.83 $14.78 $21.32 $30.07 $45.47 $69.90 $124.33 $211.07 $399.24 NA
Protective Custom Choice UL $11.87 $12.08 $15.10 $21.77 $31.46 $47.82 $73.23 $131.78 NA NA NA
Prudential Term Essentials $21.88 $21.88 $25.60 $28.66 $38.07 $50.75 $79.41 $142.85 $259.88 $508.82 NA
Sagicor Accelerwriting Term $12.60 $12.75 $17.07 $22.27 $43.59 $65.49 $103.05 $172.65 $313.06 $510.40 NA
SBLI Level Term $11.80 $12.07 $14.53 $20.96 $31.88 $48.12 $75.61 $129.70 $225.74 NA NA
Symetra Term 3.0 $12.91 $12.91 $16.19 $23.84 $33.21 $51.54 $83.77 $140.57 $239.27 $440.78 $969.72
Transamerica Trendsetter Super $12.47 $13.33 $18.71 $24.30 $37.41 $55.90 $86.86 $161.04 $221.67 $410.65 $884.51
Transamerica Trendsetter LB $13.33 $14.62 $20.21 $27.09 $40.21 $64.29 $101.91 $176.30 $302.94 $490.63 $1072.64
On average, men typically pay more for life insurance across the board. Women enjoy cheaper life insurance rates from nearly every company:
Sample Average Monthly Life Insurance Rates by Company and Product for Women
Companies Product Female Age: 30 Average Monthly Rates Female Age: 35 Average Monthly Rates Female Age: 40 Average Monthly Rates Female Age: 45 Average Monthly Rates Female Age: 50 Average Monthly Rates Female Age: 55 Average Monthly Rates Female Age: 60 Average Monthly Rates Female Age: 65 Average Monthly Rates Female Age: 70 Average Monthly Rates Female Age: 75 Average Monthly Rates Female Age: 80 Average Monthly Rates
Accordia Life Term Life $15.58 N/A $20.69 N/A $40.03 N/A $89.25 N/A N/A N/A N/A
AIG Select-A-Term $11.07 $11.54 $15.19 $20.23 $27.41 $38.05 $56.86 $94.95 $165.86 $273.97 $640.78
ANICO Signature Term $11.88 $12.53 $14.90 $19.87 $27.22 $37.15 $55.94 $84.67 $147.96 N/A N/A
Assurity Term Life $11.09 $13.92 $17.84 $23.06 $34.15 $49.37 $72.65 $112.88 $182.05 $336.47 N/A
Banner OPTerm $10.37 $11.93 $14.62 $19.09 $27.30 $40.63 $63.64 $118.47 $191.71 $357.33 N/A
Cincinnati Termsetter $12.98 $14.96 $16.72 $20.46 $27.28 $38.06 $56.76 $91.74 $154.44 $306.46 N/A
Fidelity Life Term Life $16.10 N/A $22.62 N/A $45.68 N/A $58.32 N/A N/A N/A N/A
John Hancock Vitality Term $12.39 $12.61 $14.86 $20.09 $23.86 $37.73 $50.94 $83.61 $176.04 $369.26 $843.44
Liberty Mutual Term Accel $10.51 $11.05 $13.70 $18.93 $25.86 $35.44 $51.35 N/A N/A N/A N/A
Lincoln National LifeElements $16.10 $16.63 $21.22 $28.22 $37.41 $50.75 $74.81 $112.44 $199.06 $371.83 $655.77
MassMutual Vantage Term $11.98 $12.63 $15.23 $21.98 $29.15 $40.25 $58.73 $92.45 $151.38 $318.85 NA
Minnesota Life Advantage Elite $12.67 $12.67 $16.10 $23.23 $30.89 NA NA NA NA NA NA
Mutual of Omaha Term Life Answers $11.61 $12.90 $16.56 $20.21 $27.31 $38.27 $57.19 $98.47 $169.42 $365.50 $704.13
Nassau Life Term Life $16.14 NA $22.52 NA $42.11 NA $89.06 NA NA NA NA
Nationwide YourLife $13.34 $13.34 $16.19 $20.13 $27.13 $37.19 $61.69 $95.16 $153.56 NA NA
North American ADDvantage $11.66 $12.10 $14.96 $20.02 $26.62 $37.62 $54.34 $85.80 $138.82 $281.60 NA
Pacific Life Promise Term $10.82 $11.47 $14.24 $19.10 $25.16 $34.42 $49.88 $80.43 $131.35 $270.85 $637.03
Principal Term Insurance $11.27 $11.33 $14.39 $19.43 $25.94 $35.48 $51.41 $79.28 $128.06 $272.34 $655.16
Protective Classic Choice $10.43 $10.78 $13.31 $18.64 $25.12 $34.43 $49.88 $80.43 $131.36 $270.86 NA
Protective Custom Choice UL $10.79 $11.01 $13.59 $19.62 $26.29 $35.77 $52.26 $82.27 $134.16 $284.43 NA
Prudential Term Essentials $17.72 $18.16 $21.22 $28.22 $37.63 $41.35 $59.07 $94.72 $159.03 $309.32 NA
Sagicor Accelerwriting Term $10.95 $11.22 $15.10 $20.43 $36.75 $48.64 $63.78 $108.79 $212.88 $366.31 NA
SBLI Level Term $10.38 $10.65 $13.08 $18.85 $26.72 $36.34 $53.85 $90.13 $161.65 NA NA
Symetra Term 3.0 $11.81 $11.81 $14.39 $19.91 $25.94 $38.06 $52.97 $85.97 $138.25 $273.88 $692.34
Transamerica Trendsetter Super $11.18 $12.26 $16.34 $20.86 $29.89 $47.09 $71.81 $130.94 $207.05 $312.18 $750.14
Transamerica Trendsetter LB $12.26 $13.12 $17.63 $22.36 $32.25 $49.24 $81.06 $143.62 $241.33 $389.37 $887.74
Remember, these are just the average rates. If you have a high-risk job or a poor medical history, you can expect to pay higher rates.
Luckily, if you’re young and healthy, you can expect to pay cheaper life insurance rates regardless of immigration status.
Why is it important to have life insurance for undocumented immigrants?
When you take out a life insurance policy, you’re protecting your family and loved ones in the event of your death. Life insurance coverage applies to funeral and burial costs, debt payments, and more so your family doesn’t have to worry.
If you or your family are undocumented, they are still eligible to receive any death benefits from your policy. Federal law protects life insurance beneficiaries, but you can consult with an immigration lawyer to learn more about your rights.
Make sure your family is protected with a life insurance policy. Start with our free comparison tool below and get quotes from local companies to find the most affordable life insurance for illegal immigrants.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Jeffrey Johnson
Insurance Lawyer
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...
Insurance Lawyer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.