LIFE INSURANCE FOR UNDOCUMENTED IMMIGRANTS

If you are an undocumented immigrant (i.e. considered illegal) living here in the United States, you may wonder about the future. You may worry that if something happened to you, what could happen to your family? You don’t have to worry about life insurance. If you are an undocumented immigrant, you can obtain life insurance here in the United States.

The Process

We work with many carriers that provide life insurance for undocumented immigrants. Carriers have specific and different requirements but this is the general idea.

You need to reside in the United States.

You need an ITIN (Individual Taxpayer Identification Number). The IRS issues ITINs. If you don’t have an ITIN, you can apply through a form called W-7 from the IRS. This link provides helpful information about the W-7 form.

You need a bank account to draft the premiums.

Types of Life Insurance Available

You will have all types of life insurance available to you. You will have access to:

term life, permanent life policies including whole life, universal life, and indexed universal life, simplified issue (non-medical/no exam) insurance policies.

Why You Should Not Worry

We know the immigration regulations are changing. You may be worried. Here is why you should not worry about your life insurance application or any death benefit proceeds.

Life insurance proceeds will still pay a death benefit for an undocumented immigrant. The ITIN isn’t an indication that you are an undocumented immigrant. Many foreign nationals and other non-us residents need an ITIN regardless of immigration status, because both resident and nonresidents may have a U.S. filing or reporting requirement under the Internal Revenue Code. We don’t ask questions of your document status. Neither do the carriers.

Conclusion

We hope you now realize that obtaining life insurance for undocumented immigrants is a rather simple process. Most of the carriers we work with have an online application that we work with everyday.

If you have a need for life insurance, but without the proper documentation, contact us. We can help select the right carrier for your situation. All we will ask is whether or not you have a social security number. If you don’t, we know our starting point. We will then work with those carriers that allow other ways to apply for life insurance.

Morton South Insurance 843-732-8732