Best Life Insurance for Undocumented Immigrants in 2025 (See the Top 10 Companies Here!)

Top for Immigrants: State Farm

17,760 reviews

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4.1

Table of Contents

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Company Facts

Full coverage for Undocumented Immigrants

$78/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Life Insurance Review

17,760 reviews

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Best Protection for Immigrants: Allstate

11,413 reviews

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4.0

Company Facts

Full coverage for Undocumented Immigrants

$75/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Life Insurance Review

11,413 reviews

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Best Immigrants Rates: Progressive

13,128 reviews

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4.1

Company Facts

Full coverage for Undocumented Immigrants

$68/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Life Insurance Review

13,128 reviews

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The best life insurance for undocumented immigrants comes from State Farm, Allstate, and Progressive, with Progressive offering rates starting at $21 per month.

State Farm is known for its strong customer service and financial stability, Allstate offers flexible policy options, and Progressive provides affordable rates with easy online access.

Our Top 10 Company Picks: Best Life Insurance for Undocumented Immigrants

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Flexible Coverage	State Farm
	#2	25%	A+	Family Protection	Allstate
	#3	10%	A+	Affordable Rates	Progressive
	#4	20%	A	Customized Plans	Farmers
	#5	25%	A	Easy Access	Liberty Mutual
	#6	25%	A++	Budget Options	Geico
	#7	25%	A	Wide Coverage	American Family
	#8	20%	A+	Quick Approval	Nationwide
	#9	13%	A++	Trusted Support	Travelers
	#10	5%	A+	Comprehensive Care	The Hartford

These companies accept ITINs instead of SSNs and offer term and whole-life policies. Comparing providers helps undocumented immigrants find the best protection for their families.

Simplify your life insurance shopping by entering your ZIP code into our free quote comparison tool and find coverage that fits your budget and needs.

Read more: Life Insurance Coverage: An Expert Guide

#1 – State Farm: Top Overall Pick

Pros

• Top Overall Pick: State Farm has the best life insurance for undocumented immigrants, giving simple and reliable coverage for peace of mind.
• Bundling Benefits: Undocumented immigrants can save more by bundling their policies with auto or home insurance. Learn more in our guide, “State Farm Insurance Review & Complaints.”
• Low Monthly Rates: State Farm offers affordable monthly rates at $28 for undocumented immigrants with minimum coverage and great benefits.

Cons

• Limited Discounts: State Farm’s multi-policy discount isn’t as high compared to some competitors for undocumented immigrants.
• Premium Costs: Even with discounts, some undocumented immigrants may find their premiums slightly higher than expected.

#2 – Allstate: Best for Family Protection

Pros

• Family Protection: Allstate has the best life insurance for undocumented immigrants who want to keep their loved ones financially safe.
• Low Monthly Rates: Undocumented immigrants can get coverage for just $25 a month with minimum protection.
• Flexible Payments: Allstate lets undocumented immigrants choose a payment plan that works best for their budget.

Cons

• Strict Approval Process: Some undocumented immigrants may find Allstate’s approval process more detailed than that of competitors.
• Limited Customization: Policy customization options are not as flexible as other providers. Find out more in our guide, “Allstate Home Insurance Review & Complaints.”

#3 – Progressive: Best for Affordable Rates

Pros

• Affordable Rates: Progressive offers the best life insurance for undocumented immigrants at budget-friendly prices.
• Lowest Monthly Rates: With a low monthly cost of $21, undocumented immigrants can secure affordable minimum coverage.
• Quick Online Quotes: Progressive makes it easy for undocumented immigrants to get a quote and apply online.

Cons

• Limited Agent Support: Undocumented immigrants looking for in-person support may find fewer local Progressive agents available.
• Fewer Bundling Options: Progressive has fewer options for bundling life insurance with other policies. Curious? Check our guide, “Progressive Insurance Review & Complaints.”

#4 – Farmers: Best for Customized Plans

Pros

• Custom Plans: Farmers offers life insurance for undocumented immigrants with simple, flexible coverage options to fit their needs.
• Helpful Agents: Farmers has friendly agents ready to help undocumented immigrants find the right policy for undocumented immigrants.
• Affordable Rates: Undocumented immigrants can get life insurance for undocumented immigrants for as little as $30 a month for basic coverage.

Cons

• Higher Premiums: Farmers’ customized plans may come at a higher cost than some competitors. Need help? Our guide is here, “Farmers Insurance Review & Complaints.”
• Limited Online Services: Digital tools and online applications may not be as seamless as other insurers for immigrants.

#5 – Liberty Mutual: Best for Easy Access

Pros

• Simple Application Process: Liberty Mutual makes the best life insurance for undocumented immigrants to apply for.
• Affordable Coverage: Undocumented immigrants can secure a policy for $22 per month with minimum coverage for immigrants.
• Mobile-Friendly Services: Liberty Mutual offers an easy-to-use mobile app for immigrants policy management.

Cons

• Fewer Discounts: Undocumented immigrants may find fewer discount options compared to other insurers. For more insights click here, “Liberty Mutual Insurance Review.”
• Slower Claims Processing: Some immigrants report delays in claim approvals for undocumented immigrants’ insurance policies.

#6 – Geico: Best for Budget Options

Pros

• Budget-Friendly Coverage: Geico is known for the best life insurance for undocumented immigrants, with low-cost options for undocumented immigrants.
• Lowest Monthly Rate: Undocumented immigrants can access coverage for undocumented immigrants for just $18 monthly for minimum coverage.
• Easy Online Management: Geico provides a user-friendly online system for managing policies for undocumented immigrants.

Cons

• Limited Agent Availability: It might be harder for undocumented immigrants to get in-person help when they need it. For more details, check out our guide, “GEICO Insurance Review.”
• Basic Coverage Options: Some undocumented immigrants might want more coverage and better benefits than what Geico offers.

#7 – American Family: Best for Wide Coverage

Pros

• Extensive Coverage: American Family provides the best life insurance for undocumented immigrants with broad coverage and flexible options for physicians.
• Affordable Premiums: Undocumented immigrants can get minimum coverage for undocumented immigrants for just $20 per month, benefiting physicians.
• Family-Focused Policies: This insurer is great for undocumented immigrants looking for reliable protection for their families, including physicians.

Cons

• Slower Approval Time: Some undocumented immigrants may face slower processing times for physicians. Break it down with our guide, “American Family Insurance Review & Complaints.”
• Certain Plans Cost More: Comprehensive policies for undocumented immigrants may be slightly pricier than competitors.

#8 – Nationwide: Best for Quick Approval

Pros

• Fast Approval: Nationwide makes life insurance easy for undocumented immigrants with quick approvals, so it’s a good choice for many physicians.
• Low Cost: Undocumented immigrants can get basic coverage for $24 a month, making it an affordable option for physicians.
• Strong Reputation: Nationwide has a long history of reliability in the insurance industry, giving peace of mind to policyholders. We’ve got the details, tap here, “Nationwide Insurance Review.”

Cons

• Fewer Online Features: Digital tools and apps are not as advanced as some competitors, which may be inconvenient for tech-savvy users.
• Higher Costs for Coverage: More comprehensive plans can be expensive for undocumented immigrants, especially for those needing higher coverage limits.

#9 – Travelers: Best for Trusted Support

Pros

• Helpful Customer Support: Travelers offers excellent life insurance for undocumented immigrants with friendly and reliable service for physicians.
• Flexible Plans: Undocumented immigrants can choose from different life insurance options to fit their budget and get better physician coverage.
• Affordable Premiums: Undocumented immigrants can access minimum coverage for undocumented immigrants for $23 per month.

Cons

• Limited Local Offices: In-person support may not be as widely available for undocumented immigrants. Our guide, “Travelers Insurance Review & Complaints,” offers advice.
• Strict Underwriting Process: Some undocumented immigrants may face more scrutiny during the approval process for undocumented immigrants.

#10 – The Hartford: Best for Comprehensive Care

Pros

• Comprehensive Benefits: The Hartford offers the best life insurance for undocumented immigrants with strong policy features for physicians.
• Competitive Monthly Rates: Undocumented immigrants can get minimum coverage for $26 per month, which benefits physicians.
• Well-Rounded Plans: This insurer provides well-balanced life insurance options for undocumented immigrants with solid benefits for physicians.

Cons

• Limited Discounts: Fewer opportunities for undocumented immigrants to lower their insurance premiums and costs.
• Longer Processing Time: Some undocumented immigrants report a longer approval period for physicians. Find all the info in our relevant guide, “Full Coverage Car Insurance.”

Undocumented Immigrants Can Get Life Insurance

Undocumented immigrants can still find life insurance options, but they may need to meet extra requirements. Many insurance companies accept an individual taxpayer identification number (ITIN) instead of a Social Security number. Some providers may also ask for proof of residency, employment, or medical records to complete the application process.

Undocumented Immigrants Life Insurance Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$25	$75
	$20	$70
	$30	$80
	$18	$65
	$22	$72
	$24	$74
	$21	$68
	$28	$78
	$26	$76
	$23	$73

Shopping for life insurance as an undocumented immigrant is like it is for anyone else. Comparing policies helps find the best coverage and price. Some insurers offer term, whole, or no-exam life insurance, similar to tvdl illinois renewal online making things easier.

While many undocumented immigrants can get life insurance without SSN, some companies have stricter rules. Certain policies may have lower coverage limits or higher premiums, depending on an applicant’s background. It helps to work with an insurance agent who understands the process and can guide immigrants toward the best options.

Read more: Best Term Life Insurance Companies

Getting Life Insurance Without an SSN

Getting life insurance without an SSN is possible, but you must have other forms of identification to prove your identity and financial history. Most insurance companies accept an ITIN, which is issued by the IRS for tax purposes. If you don’t have an ITIN yet, you can apply for one using a W-7 form, which is available on the IRS website.

Having an ITIN allows you to open a bank account, file taxes, and apply for life insurance coverage. Insurance companies won’t ask about your immigration status, but they will check your medical history, employment background, and criminal record. If you have a clean record and are in good health, you have a better chance of qualifying for affordable rates.

To speed up the approval process, you may need to provide extra documents like a valid driver’s license, proof of employment, or recent bank statements. Some insurance companies may also accept a letter from your doctor confirming your last medical checkup. While getting life insurance without an SSN takes a little extra effort, many undocumented immigrants successfully secure coverage to protect their loved ones.

Life Insurance Requirements for Undocumented Immigrants

Undocumented immigrants looking for life insurance should be prepared to show proof of identity and financial stability. Some insurance companies may ask for an ITIN, a valid driver’s license, or past tax returns to verify eligibility. Having a steady job and a clean medical history can also improve the chances of getting approved for a higher coverage amount.

Coverage limits vary widely based on the type of policy and the insurer’s rules. While no-exam policies may have lower limits, fully underwritten policies can offer much higher coverage if you meet the health and financial requirements. Shopping around and comparing different insurers can help find the best coverage options at an affordable price.

Read more: Instant Life Insurance: What To Know & How To Save

Life Insurance Costs for Undocumented Immigrants

Insurance companies also look at your lifestyle and habits when deciding your life insurance rates. If you smoke, have a risky job, or engage in dangerous hobbies like skydiving, your premiums may be higher. Keeping a healthy lifestyle and having a stable job history can help lower your costs.

The type of life insurance you choose also affects how much you pay. Term life insurance is usually the cheapest option, while whole life and universal life policies cost more because they last a lifetime and may build cash value. Comparing quotes from different companies can help you find the best deal for your needs.

Read more: Life Insurance for High-Risk Individuals 

Undocumented Immigrants May Qualify for Life Insurance Death Benefits

Life insurance helps provide financial security for your family, covering expenses like funeral costs, unpaid debts, and daily living needs. It ensures that your loved ones are not left struggling after your passing, giving them a sense of stability during a difficult time. This protection applies to all beneficiaries, no matter their immigration status.

Even though federal law allows undocumented immigrants to receive life insurance payouts, some challenges may still arise. Insurance companies might require extra paperwork, and banks may have rules about transferring large sums of money. In some cases, government agencies could get involved, delaying the process.

The Scott Brothers are always talking sense. Protect your stuff your way today! https://t.co/0Q754BZ7mB pic.twitter.com/yeQUEDIjNj

— American Family Insurance (@amfam) September 29, 2023

If you or your family face issues with claiming death benefits, seeking legal advice can help. An immigration lawyer can guide you through any complications and ensure your loved ones receive what they are entitled to. Planning ahead by keeping all documents updated and informing your beneficiaries about your policy can also prevent future problems.

Read our guide to find out the best life insurance companies that offer 30-year terms.

Case Studies: How Undocumented Immigrants Found the Best Life Insurance

Getting life insurance as an undocumented immigrant can be tough, but the right company can help make it easier. These real stories show how people in different situations found coverage that works for them.

Case Study #1: Maria Found Affordable Rates With Progressive

Maria is 32 and a mother of two. She wanted life insurance to make sure her kids would be okay if something ever happened to her. Since she didn’t have an SSN, she used her ITIN to apply. Progressive had the most affordable option at $21 a month, and their easy online process made getting covered simple.

Case Study #2: Luis Chose State Farm for Reliable Support

Luis, 45, runs a restaurant and wanted insurance from a company he could really trust. He liked that State Farm was solid financially and had flexible options. What really stood out was their personal service. Since he didn’t have an SSN, he worried it might be a problem, but his agent walked him through everything and made sure he got the right coverage without any stress.

Case Study #3: Carlos Secured Coverage With Allstate’s Flexibility

Carlos, 38, works in construction, so his income isn’t always the same. He needed life insurance that could work with that, not against it. Allstate’s flexible term life plans gave him options that fit his budget, and they didn’t make paperwork a headache. They accepted different kinds of documents, which made applying simple.

These examples show that undocumented immigrants can access life insurance with the right approach. Comparing options from State Farm, Allstate, and Progressive helps secure the best coverage for peace of mind. For more information, visit the term life insurance coverage guide.

Best Life Insurance for Undocumented Immigrants Provides Security

The best life insurance for undocumented immigrants helps protect their families by offering financial security. Companies like State Farm, Allstate, and Progressive accept ITINs and provide flexible coverage, making it easier to get insured. With rates starting at $21 per month, affordable options are available.

Finding the right policy gives peace of mind, knowing loved ones will have support when it’s needed most. By comparing different plans, undocumented immigrants can choose the best coverage for their situation. No matter the challenges, life insurance is a smart way to secure the future. Stop overspending on life insurance. Use our tool to compare rates from top providers near you.

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