---
title: Can I Get Life Insurance With an ITIN?
url: https://coverfolk.com/answers/itin-life-insurance
updated: 2026-10-08
---

# Can I get life insurance with an ITIN instead of a Social Security number?

Updated October 8, 20263 sourcesCoverfolk team[Fact checked](/editorial-standards)

The short answer

Often yes. Some insurers accept an ITIN, but each company has its own rules. If one says no, ask another.

An ITIN is a tax number from the IRS. The IRS gives it to people who need to file taxes but cannot get a Social Security number.

The IRS says an ITIN is for federal taxes only. It does not give you work permission or immigration status. It is also not an ID outside the tax system.

Policygenius, a licensed insurance broker, says insurers may ask for papers like a visa, a Social Security number, a work permit, or an ITIN. Each company has its own rules. Some only sell to citizens or green card holders. Others only ask that you live in the US.

Most insurers want a US bank account and a US home address. Policygenius says you may need to sign the papers and do any exam while you are in the US.

In Washington state, insurers cannot turn you down because of your national origin. Other states have their own rules. If you think you were treated unfairly, call your state insurance department.

* Your ITIN letter from the IRS
* A US bank account to pay the bill
* Your US home address
* A photo ID
* A list of your doctors and medicines

## More questions

### Can my family in another country get the money?

Ask the insurer before you buy. Policygenius says the person you name usually needs a US bank account to get paid by a US company.

### Is an ITIN the same as a Social Security number?

No. The IRS says an ITIN is only for federal taxes. It does not qualify you for Social Security benefits.

### What if I just moved to the US?

It can be harder. Policygenius says some insurers want you to live here for 1 to 5 years first.

## Words to know

[Broker](/glossary)
:   A licensed person who works for you and shops several companies for options. Brokers are also paid commission.

## Sources

1. [IRS: Individual Taxpayer Identification Number (ITIN)](https://www.irs.gov/tin/itin/individual-taxpayer-identification-number-itin)
2. [Policygenius: Life Insurance for Non-US Citizens](https://www.policygenius.com/life-insurance/non-united-states-citizens/)
3. [Washington Office of the Insurance Commissioner: Learn how life insurance works](https://www.insurance.wa.gov/insurance-resources/life-insurance/learn-how-life-insurance-works)