Best Life Insurance Companies That Don’t Require an SSN (2021)

When you begin looking for life insurance companies that don't require an SSN, you may be worried about what you find. However, it is possible to get a quote for life insurance companies that don't require an SSN by substituting your ITIN. Some rates for life insurance companies that don't require an SSN can be as low as $150 a year.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • There are options available to customers without an SSN
  • You’ll need to prove your identity with an ITIN
  • This helps the insurance companies prevent fraud

When looking for life insurance companies that don’t require an SSN, you may be surprised to find there are policies available. With a secondary identification, you can still get access to some of the best insurance companies on the market.

If you want quotes for life insurance companies that don’t require an SSN, enter your ZIP code into our free quote tool.

Life Insurance Companies That Don’t Require an SSN

Believe it or not, some insurers in the U.S. won’t require you to have a Social Security number to get a policy, though you’ll likely still need some form of secondary identification to prove you are who you say you are.

In place of your SSN, something like an individual taxpayer identification number, or ITIN, will be used by insurers instead.

This can be used in similar ways as an SSN and can serve as a way for your tax status to be tracked by the government and companies that you give access.

Some companies that will give a policy to a client without an SSN include:

  • Globe Life Insurance
  • Gerber Life Insurance
  • Prudential Life Insurance

If you can get an ITIN or already have one, you’re likely to be able to get a policy from at least one insurer.

Below are some sample annual life insurance rates from the top insurers in the industry to give you an idea of what you might pay.

Sample Annual Life Insurance Rates from Top Life Insurance Companies by Age, Gender, and Marital Status (Non-Smoker)
Age, Gender, and Marital Status (Non-Smoker)New York Life Average Annual Life Insurance RatesLincoln National Average Annual Life Insurance RatesPrudential Financial Average Annual Life Insurance RatesMassMutual Average Annual Life Insurance RatesState Farm Average Annual Life Insurance Rates
Single female 25-years-old$158.00$187.00$195.00$132.00$143.00
Single male 25-years-old$152.00$231.00$237.00$147.00$164.00
Married female 45-years-old$262.00$239.00$314.00$209.00$238.00
Married male 45-years-old$245.00$283.00$378.00$230.00$239.00
Single female 65-years-old$924.00$903.00$941.00$763.00$684.00
Single male 65-years-old$1,416.00$1,577.00$1,412.00$1,049.00$955.00
Average$526.17$570$579.50$421.67$403.83
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As you can see, most insurers can give an affordable policy to their clients as long as they can prove they have a stable financial history. This table also shows the clear benefits of starting a life insurance policy earlier in life to save more on premiums.

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Do you need a Social Security number for life insurance?

Not necessarily, no. Since SSNs are given to U.S.-born residents, not allowing anyone else to get life insurance would cut off a huge opportunity to expand the insurance industry’s earnings. If you don’t have a Social Security number, you can likely substitute with an ITIN at some insurers.

However, if you do have a Social Security number, you will likely need to provide it to get a life insurance policy.

Why Life Insurance Companies Need Your SSN

Life insurance companies that do require an SSN do so to limit the potential fraud they may face. A life insurance company will use your Social Security number in the underwriting process to:

  • Check your medical history
  • Look at your credit report
  • To see if you have a criminal record

When the insurer is deciding what your premiums will be, they’ll consider all aspects of your life.

Since an SSN or ITIN is used to track various important factors in your life, it severely lowers the risk to the life insurer when they can look at those different factors.

Should you give a life insurance company your SSN?

Whether or not you give a life insurance company your Social Security number is your choice. That being said, a U.S. resident is unlikely to get a life insurance policy without providing their SSN.

It may appear you have something to hide on your record that an SSN would show.

Providing your SSN and showing you don’t have any red flags on your record will help you secure an affordable life insurance policy.

How to Get Life Insurance Without a Social Security Number

While it can be stressful to try and find affordable life insurance companies that don’t require an SSN, there are options available.

The insurer will still want some way to verify your credit and medical history, and here an ITIN can take the place of a Social Security number.

With an ITIN, the life insurance company can check your medical and financial history while you’ve been in the United States.

How to Get Life Insurance as an Immigrant

It admittedly might be harder to find life insurance for illegal immigrants, but it will be possible if you have an ITIN.

If the life insurance company doesn’t have a way to identify you are who you say you are, that leaves them open to all kinds of insurance fraud.

If you have an ITIN, you’ll need to find an insurer that will provide you a policy. While some insurers are bound to be hesitant to accept you without an SSN, there are some insurers that will provide you a policy.

Secondary Identification for Life Insurance

An individual taxpayer identification number is given to individuals residing within the United States who weren’t born here. The ITIN allows them to comply with tax laws and allows for efficient processing of tax returns within the IRS.

Life Insurance Policy Options Without an SSN

Finding quotes for life insurance companies that don’t require an SSN may limit the policy options available to you. However, many insurers offer basic types of policies that may cover your needs.

While you’ll have less choice over your coverage, you’re still bound to find something that fits.

Term Life Policies

Term life insurance policies last for a set period in your life and if you die during that term, your beneficiaries will receive the death benefit.

If you outlive the policy, they will receive nothing. Some popular sub-types of term life insurance include:

  • Level Term – This policy provides a level premium and straightforward coverage. It’s the simplest form of life insurance.
  • Renewable Term – If you need to renew your coverage, this policy will allow you to do so at the end of each period, up until you reach a certain age.
  • Conversion – This type of term life policy will allow you to convert from term life insurance to whole life as long as conditions are met.

There are other types of term life policies and riders that can customize your coverage. However, these will largely cover most of your insurance needs and are more likely to be offered in some form at most insurers.

Permanent Life Policies

Permanent life insurance policies last from the moment you sign on until the end of your life, as long as your premiums are paid.

Some permanent life insurance policies even offer savings or investment components to the client. Some popular examples of permanent policies include:

  • Whole Life – This policy will last for your whole life as long as you pay your premiums. Furthermore, some insurers will set aside a portion of your premiums into a savings component.
  • Universal Life – The death benefit with universal life is customizable, therefore so are the premiums. This can help with changing economic situations and will allow you to customize coverage.
  • Variable Life – Variable life insurance is a policy that places your investment into stocks, bonds, and mutual funds, with the death benefit based on that.

There are other permanent life insurance policies as well, but insurers are more likely to at least offer some form of one or more of the policies above.

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Life Insurance Companies That Don’t Require an SSN: The Bottom Line

While it can be stressful trying to find life insurance without an SSN, there are still options available. If you can prove your identity with an ITIN, you’re more likely to be able to get a policy from a life insurance company.

While your options may still be limited, at least you’ll have coverage.

If you’re looking for rates for life insurance companies that don’t require an SSN, enter your ZIP code into our free quote tool.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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