Life insurance without a Social Security number is possible in many cases when coverage is structured correctly and placed with carriers that accept alternative identification. While some insurers automatically require an SSN, others focus on residency, identity verification, income justification, and health—rather than immigration status alone.

At Diversified Insurance Brokers, we help applicants secure individual life insurance using approved alternatives such as an ITIN or foreign passport. Our approach is carrier-specific and documentation-driven, designed to avoid unnecessary declines and deliver stable, fairly priced coverage that protects families in the U.S. and abroad.

Who Can Qualify Without a Social Security Number?

Applicants who lack an SSN may still qualify if they can verify identity and U.S. residency and meet underwriting standards. This includes individuals using an ITIN, foreign nationals living in the U.S., and others with alternative documentation accepted by specific carriers.

Eligibility is not universal. Carrier selection is critical because guidelines vary widely. Some companies will review non-SSN cases thoroughly; others will not. Matching your profile to the right insurer is the difference between approval and a permanent decline.

Accepted Forms of Identification

Depending on the insurer and policy type, acceptable documentation may include an ITIN, a valid foreign passport, or other government-issued identification. Proof of U.S. address—such as utility bills or a lease—may also be required to confirm residency.

Documentation standards differ by carrier, which is why submitting a clean, complete application to the right company matters.

Income Verification and Coverage Amounts

Life insurance coverage must be financially justifiable. Applicants without an SSN can still demonstrate income through tax filings (using an ITIN), business records, or employer documentation.

Coverage amounts are typically based on income replacement needs, family obligations, and future goals. Individual policies are evaluated differently than employer plans; for context, see group vs individual life insurance.

Health & Underwriting—What to Expect

Medical underwriting applies the same way it does for SSN holders. Age, build, medical history, medications, and lifestyle factors determine pricing. Many traditional policies require a paramed exam; simplified options may be available in certain cases.

Understanding the process helps avoid surprises. Learn more about what a life insurance exam involves.

Policy Types That May Be Available

Term life insurance is often the most accessible and affordable option, providing protection for a defined period to cover income replacement and family needs.

Permanent life insurance may be available for applicants with longer residency history and stable finances, offering lifetime coverage and long-term planning benefits.

Policy availability depends on carrier guidelines and applicant profile—not simply the presence or absence of an SSN.

Beneficiaries & Global Family Protection

Beneficiaries do not need to be U.S. citizens or residents. Policies can name family members living abroad, making life insurance a practical solution for families with international ties.

Portability & Future Changes

Individual life insurance is portable. Once issued, the policy remains in force as long as premiums are paid—even if employment, residency, or documentation status changes in the future.

Why Work With Diversified Insurance Brokers

Non-SSN applications require careful carrier selection and precise documentation. We specialize in placing these cases with insurers that review them fairly and consistently.

Our goal is simple: secure reliable coverage without unnecessary delays, declines, or future complications.