I am an undocumented immigrant in the United States, can I still buy life insurance?
Updated: May 17, 2021
The short answer is: Yes. You can get a no medical exam one-year term life insurance policy from Life Assurance Company of America as long as you can make certain health representations and reside in the United States. Currently, limits of $5,000, $10,000, and $15,000 are offered. However, in the near future, Life Assurance Company of America plans to offer additional limits of $20,000, $25,000, $50,000, and $100,000. Historically, life insurance companies have only issued life insurance policies to non-U.S. citizens that already have some sort of legal status in the United States, i.e. a green card or a valid visa. Some visas, particularly student or tourist visas, are not generally accepted. Of course, visa acceptability depends on the underwriting guidelines of each life insurance company. In addition, a minimum period of residency in the United States, typically 2 years, has been required. Life insurance companies also maintain “approved countries” lists. Life Assurance Company of America does not have a minimum residency requirement or a list of approved countries. While most life insurance companies require a social security number (“SSN”) and/or a valid driver’s license, Life Assurance Company of America does not. In fact, we do not even ask you for your address information, other than a zip code which is required for our payment processor, Stripe. We do require you to email us proof of identity, even if it is expired. This is so we can verify identity in the event of death. Everything needs to match. Acceptable proof of identity includes any of the following government issued documents: copy of a state issued driver’s license, foreign driver’s license, passport, foreign passport, visa, foreign birth certificate, state issued identification (“ID”) card, or any other acceptable form agreed to by Life Assurance Company of America that matches your full name. In order to qualify for coverage with Life Assurance Company of America, you have to be at least 18 and not older than 65 and generally healthy. Life Assurance Company of America does not a) require a physical exam, blood test, or urine test; or b) order a medical information bureau (“MIB”), prescription or RX history or script, attending physician statement (“APS”), or motor vehicle record (“MVR”). The insured does have to answer the following truthfully, even though Life Assurance will rely on the insured’s representation without further inquiry: [I] am not a smoker; do not have and have never been treated for diabetes, asthma, COVID-19, lung disease, COPD, depression or any mental health problem, hepatitis, drug or alcohol abuse, heart disease or heart attack, stroke, seizures, Alzheimer’s disease, cancer, or liver or kidney disease; am not currently hospitalized, in a nursing home or assisted living facility, or under hospice care; am taking all medications as prescribed by a licensed physician; have not been diagnosed with a terminal disease, illness, or condition by a licensed physician; and am not obese (i.e. BMI under 30). What information is needed? The application will take one minute and is all done on-line. We will need your first name, last name, email, phone number, date of birth, whether you are male or female, beneficiary information, and zip code, in addition to basic payment processing information. Here is a sample link to our checkout page for the $10,000 policy which has an annual premium of $150: Individual One-Year Term Life - 10K | Life Assurance Company of America
If you are interested, all you have to do is click, provide the information, agree to the terms and conditions, and pay. Finally, we want anyone that is not a U.S. citizen, whether they are legal or undocumented, to have life insurance options, so we are providing background links for your review. We recommend the following links, even though we do not have relationships with these websites: https://www.quotacy.com/life-insurance-for-non-us-citizens/ https://www.accuquote.com/questions-and-answers/can-i-get-life-insurance-if-im-not-a-u-s-citizen/ https://www.policygenius.com/life-insurance/best-life-insurance-companies/visa-and-green-card-holders/ https://www.insubuy.com/life-insurance-for-non-us-citizens/