Individual Taxpayer Identification Number and Insurance (ITIN) in Las Vegas, Nevada

Navigating the U.S. financial and legal systems can be challenging for individuals who do not qualify for a Social Security number (SSN). However, an individual taxpayer identification number (ITIN) offers a valuable solution. Many insurance providers accept ITINs in place of SSNs, allowing individuals to purchase insurance and even access coverage options for their U.S.-born children. 

What Is an Individual Taxpayer Identification Number?

An ITIN is a nine-digit number that is used by individuals who are required to have a U.S. taxpayer identification number but are not eligible to obtain an SSN. ITINs are primarily used by nonresident aliens, resident aliens, and dependents or spouses of U.S. citizens or resident aliens who need to file a tax return or be listed on one. Importantly, having an ITIN does not authorize an individual to work in the U.S. or provide eligibility for Social Security benefits; it is solely intended for federal tax reporting purposes.

How to Get an Individual Taxpayer Identification Number

To obtain an ITIN, you need to complete IRS Form W-7 and submit it along with a valid federal income tax return and documents that verify your identity and foreign status—either originals or certified copies. There are three ways to apply: by mailing your application to the IRS, visiting an IRS Taxpayer Assistance Center in person or working with a certifying acceptance agent who can help you through the process. After submission, it typically takes about seven weeks to receive your ITIN, though it may take longer during peak tax season or if you are applying from abroad.

Purpose of an ITIN

Having an ITIN can help with purchasing insurance in several important ways. While an ITIN does not grant legal immigration status or work authorization, it can be used in place of an SSN on many insurance applications, including health, auto and life insurance. Many insurance providers accept ITINs when evaluating applications, especially for indemnity health plans and life insurance policies. Overall, having an ITIN can help establish financial identity and access to essential services, including insurance coverage.

Learn More

To purchase insurance with an ITIN near you, contact Almirola Royal Services.