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Best Life Insurance Companies for Undocumented Immigrants

By: Get News

It is easy to find life insurance companies that cover undocumented immigrants. The individual taxpayer identification number will be required. Life insurance policies can be purchased by undocumented immigrants, and they can also be beneficiaries. There are a lot of life insurance companies out there. And for the most part, they all offer similar products and services. But what about undocumented immigrants? Are they left out in the cold when it comes to life insurance?

Approximately 11 million immigrants are undocumented in the United States. If one belongs to this group, they may be interested in finding out about life insurance companies for undocumented immigrants. Undocumented immigrants can be covered by life insurance companies. They may even offer a similar rate to a citizen. Thankfully, that’s not the case. There are a number of life insurance providers that cater specifically to undocumented immigrants. In this post, let’s take a look at some of the best ones.

Here’s what one needs to know

  • Undocumented immigrants in the United States have access to life insurance through most insurance companies in the country
  • There are different requirements that life insurance companies have with regards to non-U.S. citizens when purchasing a life insurance policy
  • A life insurance policy that is affordable for the undocumented immigrant should be available to them

There are a few documents one needs to prepare before they apply for life insurance that is for non-U.S citizens. One’s bank account is likely to already be open, so they can start using it right away. It is important to keep in mind that the cost of life insurance for undocumented citizens may differ from that of life insurance for permanent residents in terms of coverage or cost. The best thing one can do is to shop around for undocumented immigrant life insurance quotes as it’s always a good idea to shop around.

Insurance for Undocumented Immigrants

International citizens and undocumented immigrants are eligible to purchase life insurance through the majority of U.S. insurance companies. There are a number of companies offering life insurance coverage, but the companies listed below are some of those providing the most affordable rates when it comes to life insurance coverage.

Non-U.S. citizenship rates are based on a 30-year-old non-smoker term life insurance policy for a non-smoker. Nevertheless, these statistics can still provide a snapshot of what to expect from non-U.S. citizens looking to buy life insurance in the future.

Does Non-U.S. Citizenship Matter?

In the same way that American citizens can purchase life insurance, undocumented immigrants can also obtain life insurance. It is important, however, that they make sure a few things are ready before they move forward with the project.

Sara Routhier, Director of Outreach at, lists imperative things undocummented immigrants should have before they can purchase life insurance:

  • A form of identification that is considered to be official
  • There is a considerable presence of the United States in the region
  • The importance of having a bank account

ITINs are not difficult to find, but one must have proof of tax-paying citizenship ready to go. If one doesn’t have a social security number, they will need an ITIN. Life insurance with an ITIN is not hard to find. Some companies require one year of residency before offering a life insurance policy to an undocumented immigrant, but others might require up to five years. Many life insurance companies will require one to have a bank account before they issue them a policy. It serves as proof of their eligibility as well as their presence in the U.S. The insurance companies one is applying to may require them to be a native of one of their approved countries. Immigrants from certain nations may find it harder to obtain life insurance coverage as their nation is not listed as an approved country.

Are Illegal Immigrants Eligible for Benefits?

The answer to this question is complicated. There are many different types of benefits, and each program has its own set of eligibility requirements. In general, however, illegal immigrants are not eligible for most benefits. There are some exceptions, however. For example, illegal immigrants may be eligible for emergency services or programs that help children and pregnant women. They may also be able to get some types of public assistance if they can prove that they need the help and they meet certain other requirements.

Undocumented immigrants may wonder whether they may be named as beneficiaries of other people’s life insurance policies. Any life insurance benefits to a policy beneficiary are legally required by law in the United States. Therefore, even if one is an illegal immigrant, they will still be able to claim life insurance benefits. What’s more, life insurance companies have to pay them regardless of where they live. Therefore, if one decides to leave the U.S. for any reason or move back to their country of origin, they will still be eligible for life insurance benefits.

Final Verdict

The purchase of a life insurance policy is a wise investment for illegal immigrants who have families in the United States or who have substantial debts in the country. Often, life insurance for Mexican citizens and for citizens of other countries can be found with no problem, and Mexican citizens and citizens of other countries are often approved for coverage. The best way to ensure one is getting the best price for an item is to make sure they shop around and compare prices.

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