Life insurance pays the death benefit to your beneficiaries for most causes of death. Illness, suicide after the contestability period, most accidents, and death from natural causes are covered by life insurance.

Many insurers have exclusions in their policies for deaths that occur during a hazardous activity, such as piloting an airplane or scuba diving.

YES! Yes, you can. myfinancialservicesca.com exclusively serves the community, and 85% of our clients are undocumented. Click here to learn more!

If you don't have a Social Security Number, you can still get life insurance.

There is nothing in any life insurance manual that states that having an SSN is absolutely necessary to purchase a policy. It is not an industry requirement. However, here's the catch. While it is not necessary to have a Social Security Number to buy life insurance, most insurance companies require it.

And that's where the problem arises. There are hundreds of life insurance companies to choose from. Each company will have its own guidelines regarding the requirement for a Social Security Number. Additionally, each company will have its own guidelines on how they underwrite someone without a "status" here in the U.S. When you combine not having an SSN with not having an ITIN (Individual Taxpayer Identification Number), your options will be very limited in terms of companies that can offer coverage.

Not necessarily. There are life insurance options that do not require a medical exam. That being said, these policies tend to be more expensive because they omit a step in the underwriting process that insurers rely on to better understand your life expectancy. However, there are several companies that will not charge you a higher price for not wanting to complete one. Click here to learn more!

The cost of life insurance varies depending on your age, health, lifestyle choices, and the amount of life insurance coverage you are getting. Click here to learn more!