Life Insurance Without A Social Security Number

Life Insurance Without A Social Security Number
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Live in the United States. He works hard to support his family, but he always keeps that in mind. What if something happens to me?

It is normal. Many people, protectors, have these thoughts. Typically, you would get a life insurance policy to protect your loved ones when you pass away. Life insurance was created specifically to help protect families in the event of death. But, your situation is slightly different.

Along with your name and date of birth, your social security number is viable information that insurance companies will ask you for. So if you don’t have one, does that mean you can’t get life insurance?

The short answer is no.

Not having a social security number does not mean that you cannot get life insurance. Many of us don’t even bother asking or looking for life insurance simply because we don’t have a social security number or if we do (let’s be honest) we don’t know where to get information.

And for many immigrants living in the United States, it is time to leave behind these misconceptions and myths that surround the Latin community and the Life Insurance options in America.

Let’s dig a little deeper so you can see how you can take advantage of this incredibly important insurance to protect your family. In the following I will explain how to obtain life insurance without a social security number.


Do I really have to have a social security number to buy life insurance?

No You really don’t need one. There is nothing in any life insurance manual that states that you absolutely must have an SSN to buy a policy. It is not an industry requirement, but while you do not need a social security number to purchase life insurance, most life insurance companies require it.

And that’s where the problem arises. There are many life insurance companies to choose from. Each company will have its own rules and regulations, which require a person to have a social security number. When you don’t have an SSN, your options will be very limited in terms of companies that can offer coverage.

Therefore, as long as the applicant has obtained a valid ITIN or ID (Identification), compliance with the law takes place. I can understand how insurance companies worry about the additional risk involved, but that is why they have an Actuarial Department, to calculate those risks so that they can tailor corresponding products for you.

Look, a lot of people in this country try to commit life insurance fraud. And, a social security number tracks almost everything you do. Good and bad. For example, look at these:

Did you know that people use life insurance policies to launder money? This is done through a series of legitimate financial transactions. Placing dirty money in life insurance transactions is a common form of money laundering.

How will the insurance company know that you really are who you say you are if you don’t have a social security number? Identity theft is a big problem right now, and it shows no signs of slowing down. Insurance companies want to know that you are who you say you are.

The MIB report is quite useful information that subscribers use to review their medical history. But it is your social security number that is linked to the report and can ensure that the insurer is accessing the correct report. Without an SSN, there is no confirmation that your information will be properly documented or accessed.

It is important for insurers to get a clear picture of your life, your general health, and the risk you are taking. They discover this information through pharmacies, medical / health records, motor vehicle records. This all comes down to your social security number, especially if you have a very common name.

There are many things that insurers have to verify that allow insurance companies to decide to give you a life insurance policy or not. By applying for a social security number, they can have greater confidence that the information they seek is for the applicant.


I’m going to reiterate this just to be clear …

The only requirement to purchase Life Insurance in the US is that the applicant must be in the US to take the application and take the medical exam. It’s okay if you’re a foreigner and you’re only here on vacation as long as you have some connection to the US, but these matters have to be done here in the US. Most insurance companies require you to purchase a minimum coverage of $ 250,000, but all policy options are available to you, including term life , universal life , or whole life insurance .

Why don’t you have an SSN?

There could be a number of different reasons why you do not have a social security number. For example, there is a good chance that you are a foreigner, a foreign citizen, or a foreign resident.
If you are not a citizen, that usually means that you are a citizen of another country.

So that brings us back to the question: what if you live in the United States and intend to live here for a long time, how can you buy life insurance without an SSN?


These private life insurance companies would like to know if your plan to stay in the US is permanently. It’s okay if you change your mind in the future or if your circumstances change and force you to leave. But the main point is, the insurer wants to know if you intend to stay in the US.

If that changes in the future after you have your life insurance, you don’t lose or have to cancel your life insurance policy. The company risks you eventually being able to leave the country when your life insurance is approved.

Buying life insurance without a social security number: get an ITIN

If you currently reside in the United States and your plan is to reside here long-term, it is possible to purchase life insurance to protect your loved ones, even if you do not have a social security number. Instead of this important information, you will need to obtain an ITIN.

Life insurance companies are interested in seeing that you are working here in the US with an ITIN. Companies also want to see that you have been here for at least 6 consecutive months. The longer you have been in the US, the easier it will be to obtain life insurance.

What is an ITIN?

Now, you may be wondering: What is an ITIN? How do I get one? We have your answers.

An ITIN stands for Individual Taxpayer Identification Number. To receive one, complete Form W-7 located on the IRS website. Then send it. These ITIN numbers are generally used for tax filing only, however it gives you a number that only represents you.


  • You are a foreign or similar citizen who has federal tax filing or filing requirements, but does not qualify for a social security number.
  • You are not a resident if the US is not eligible for a social security number, but you must file a US tax return only to claim a tax refund under the provisions of a US tax treaty.
  • You are a non-resident if the US is required to file a US tax return.
  • You are a US resident alien (Based on days present in the US) and you need to file a US tax return.
  • You are the dependent or spouse of a US citizen or resident alien.
  • You are the dependent or spouse of a non-resident alien visa holder.

I have my ITIN, now what?

Once you have your ITIN, you can go ahead with applying for life insurance. However, it is important to note that not all life insurance companies accept an ITIN number in place of a social security number.

This is where it is important to consult with an independent agent from this is what we specialize in. We know which companies accept ITINs and which ones don’t. We also specialize in working with the Latino community to help them obtain life insurance.

We also know which ones have a more streamlined process and which ones are more likely to provide you with a life insurance policy to meet your needs at a price you can afford. This is what we do.

After contacting an agent, we will have an initial consultation. Here are some sample questions we’ll ask you to get a better idea of ​​your situation:

  • How old are you?
  • Do you have any health conditions?
  • Do you prescribe any medication?
  • Have you ever applied for life insurance and been rejected?
  • Do you prefer a life insurance policy without a medical exam?
  • How Much Life Insurance Coverage Do You Need?
  • Do you need term life insurance or permanent life insurance?

Answers to questions like these will help us determine which life insurance companies can offer you coverage. Again, the options may be limited for you. We will do our best to ensure you as many options as possible.


If you are wondering if you or anyone who does not have an SSN can be a beneficiary of a life insurance policy, the answer is YES. An SSN is not required when you fill out the requirements of the beneficiary form.

Even so, I recommend that you do a double review with your life insurance agent or the company in which you will be applying for life insurance, that way you will have the certainty of “if possible” before carrying out the entire underwriting process . Listing the beneficiary’s address, date of birth, and SSN makes it much easier for an insurance company to locate the beneficiary in the event of a claim. But an SSN is not absolutely necessary.

If you are considering obtaining life insurance in the United States as a foreign citizen, without a social security number or a non-resident of the United States, it is worth taking the time to apply and see if you are eligible even if you do not meet all of them. specific requirements.

When you work with a agent, you will receive a first-class experience. Your assigned agent will work with you and will always provide you with real and accurate information. We will make the life insurance application process as simple as possible.

While you are applying, your agent will stay in contact with you, so you always know where your application is with the insurer.

If you’re ready to buy your life insurance policy but don’t know where to start, contact us today. We are here to help you and your family with all your life insurance needs.

If you feel more comfortable speaking with a Spanish speaking life insurance agent, just contact me directly at any time. I am fluent in Spanish and make sure you fully understand the options and terms of your life insurance plan. Remember, Life Insurance for Alien, Life Insurance for US Residents, Life Insurance for US Citizens, and Life Insurance without Social Security are available.


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Alfred Williams, a distinguished business writer, navigates the corporate landscape with finesse. His articles offer invaluable insights into the dynamic world of business. Alfred's expertise shines, providing readers with a trustworthy guide through the complexities of modern commerce.