Many immigrants in the United States are here under the Deferred Action for Childhood Arrivals (DACA) rules. Many DACA residents within the United States are getting old enough that the need for life insurance to protect their families and loved ones has become an important priority. Many DACA residents in the United States are interested in DACA life insurance eligibility.
We’re fortunate to have some life insurance companies that we have unique relationships with that will consider individuals in the United States under DACA for life insurance coverage.
Who qualifies for DACA life insurance?
You may request DACA if you:
- Were under 31 years of age as of June 15, 2012
- Came to the United States before your 16th birthday
- You have resided in the United States continuously since June 15, 2007, up to the present time.
- Had no lawful status as of June 15, 2012
- Were physically present in the United States on June 15, 2012 (and when you made a request for consideration for deferred action with USCIS)
- Are in school, graduated, or have a certificate of completion from high school or have obtained a GED (Gen. education development)
- Not been convicted of a felony, significant misdemeanor, three or more misdemeanors, and present no threat to public safety or national security.
Can I get life insurance with DACA status?
Most life insurance companies do not allow people with DACA status to purchase life insurance. Since being in the United States illegally is against the law, most life insurance companies frown on ensuring undocumented immigrants.
Luckily, there are life insurance companies that will accept immigrants with DACA status and immigrants with ITIN status. Many DACA residents also have Social Security numbers, which will open other areas of availability for life insurance with select life insurance companies.
Why should I purchase life insurance with DACA?
DACA residents within the United States are some of the most vulnerable people in the United States. Their legal status is uncertain with the current political leadership, many of their immigrant family members may be still living in a foreign country, and many people with DACA status are now raising families of their own in the United States.
If you are raising a family, you need life insurance. It doesn’t matter what your citizenship status is; if you are a primary wage earner or one of two wage earners in a household raising a family, your family depends on you to provide income for the family.
If the worst were to happen, you were to die unexpectedly, how would your family survive? Where would they get money? Where would they live? How would they pay their bills? How would your spouse or partner pay off the debt you accumulated together?
Life insurance is a responsible thing to do to protect those who you have a financial obligation to protect.
How do I apply for life insurance with DACA status?
The first thing you should not do is to talk with a general life insurance agent. Almost every life insurance agent in the United States lacks the knowledge or competence to help you get approved for DACA life insurance coverage.
Most agents are ignorant of which companies will accept DACA life insurance candidates. Immigrant Life Insurance is uniquely qualified to help you get the life insurance you need and the life insurance your family and loved ones deserve.
The most common life insurance policies available to DACA residents require no medical examination. If you are reasonably healthy, you should have no problem qualifying for affordable life insurance protection.
We will help you fill out the documents to start the approval process. Usually, within 1 to 4 weeks, we can get you approved for life insurance with some of the most reputable life insurance companies in the United States.