Wysh is an online term life insurance provider offering flexible policy options available without a medical exam, just a few health questions. The company specializes in helping new policyholders choose a personalized policy fit. Wysh’s customer service team also helps policyholders’ beneficiaries communicate with creditors if their loved one dies.
Simple, straightforward and budget-friendly, Wysh is a strong option for entry-level life insurance applicants. Most users will also be able to apply in less than 10 minutes, making it a great choice for anyone in need of fast coverage.
- Term life insurance shoppers
- Anyone who doesn’t know what death benefits to choose
- Younger life insurance applicants
- Flexible term policies with death benefits up to $2.5 million
- No medical exam necessary to apply
- Enhanced customers service to help loved ones manage policy if policyholder dies
- Customer service team available through multiple channels
- Policies not available to those over age 50
Wysh Life Insurance Ratings at a Glance
Wysh is a new online life insurance provider offering instant access to term life insurance coverage. While Wysh offers a limited range of term products when compared to other nationwide insurance providers, customers looking for an easy and straightforward insurance shopping experience will appreciate Wyshbox’s focus on customer service and simple terminology.
Term life insurance is a type of life insurance policy that provides coverage for a specified period of time — the policy’s term — typically ranging from 1 to 30 years. Term life is an accessible choice to provide coverage for a specified period of time — for example, if you have a growing family or a mortgage loan with 20 years left on the term.
During the term of the policy, the premiums remain level and are paid on a regular basis, typically monthly or annually. If the insured dies during the term of the policy, the death benefit is paid out to the beneficiaries named in the policy. However, if the insured outlives the policy, there is no payout and the coverage ends.
Wysh offers flexible term life policies, with death benefits ranging from $50,000 to $2.5 million. Terms start from two years and are available up through the policyholder’s 65th birthday. To apply for a term life insurance policy with Wysh, you must currently be between the ages of 18 and 50. After getting a quote, you can lock in your rate for up to 30 days, allowing you to compare other quotes before committing to a policy.
Term policies from Wysh are flexible, and you can add more coverage or reduce your policy’s death benefit over time. These features can make Wysh appealing to younger applicants or those who are thinking about making a major life change in the future. For example, Wysh allows policyholders to buy coverage for themselves while they are single and if a policyholder gets married, they can change their coverage to include the couple's needs. You can also lower your coverage amount as you age — for example, after paying off a mortgage loan.
Wysh can be a particularly strong option for anyone exploring life insurance policies for the first time. If you’re new to this type of coverage, you may not be sure which death benefit and term would be best for your family. Wysh offers a “Wysh Builder” calculation tool that you can use to categorize your outstanding debts and future expenses to choose a coverage amount. Human customer service professionals are also available during normal business hours and are specially trained to assist you with using our Wysh Builder tool and any questions you may have.
Wysh combines an easy buying process with the assurance of human customer assistance to handle more complicated customer inquiries. While it does not offer the most comprehensive range of policy options, it earns points with its flexibility, allowing you to shift your insurance coverage as your life changes. Even if you aren’t sure if term life insurance is right for you, getting a quote takes about 9 minutes on average, meaning that you won’t lose much time by taking a look.
One major benefit that comes with choosing Wysh for your term life insurance policy is that the platform offers an exceptionally impressive customer service experience. From a simple and straightforward application process to responsive outreach from U.S.-based assistance teams, Wysh focuses on providing users with the peace of mind that comes with knowing they’ll have help if they must file a claim.
Wysh’s customer service professionals (which it calls “Wysh Granters”) go above and beyond standard life insurance customer service, which is often limited to basic policy assistance. If a policyholder dies and beneficiaries must file a claim, Wysh Granters will provide an individualized white-glove assistance process for handling paperwork and the legal transfer of assets.
Many people leave behind debts when they die, which can complicate things for the policyholder’s family during a sensitive and stressful time. If the policyholder owes debts when they die, Wysh’s team can communicate directly with creditors to help ease the stress on the family. The team meets the needs of shoppers who are looking to ensure that their loved ones have access to as much assistance as possible from their life insurance company should they die.
To get in contact with Wysh, click here to send a message to the company’s team. Customer service is available via live chat on Wysh’s home page during normal EST business hours. You can also contact Wysh customer service via phone or directly through the app after logging into your account, providing faster access to personalized assistance.
Policies from Wysh are available for less than $1 a day for some applicants, making it an exceptionally budget-friendly provider. However, as is the case with most life insurance providers, the price of your unique coverage will vary depending on personal details, including:
- Gender
- Age
- Location and state of residence
- Current health status and pre-existing conditions
- Any use of cigarettes or other tobacco products
To help you get a better idea of what you might pay for coverage from Wysh, Benzinga requested a few estimates for term policy options.
| Age | Term Length | Coverage Amount | Health | Bestow | Haven | Ladder | Wysh | Diff | Over/Under |
| 20 | 20 | $250,000 | Good | $20 | $16 | $24 | $17.70 | -$2.49 | -14.04% |
| 25 | 20 | $250,000 | Good | $20 | $16 | $24 | $17.70 | -$2.59 | -14.60% |
| 30 | 20 | $250,000 | Good | $22 | $17 | $24 | $18.87 | -$2.65 | -14.03% |
| 35 | 20 | $250,000 | Good | $24 | $18 | $27 | $19.56 | -$4.42 | -22.58% |
| 40 | 20 | $250,000 | Good | $32 | $24 | $35 | $30.25 | -$2.85 | -9.42% |
| 45 | 20 | $250,000 | Good | $43 | $47 | $50 | $37.75 | -$15.49 | -41.03% |
Quotes for: Males ages 20-45, $250,000 of coverage, Good Health, AZ (Preferred)
| Age | Term Length | Coverage Amount | Health | Bestow | Haven | Ladder | Wysh | Diff | Over/Under |
| 20 | 20 | $250,000 | Good | $15 | $13 | $19 | $9.83 | -$5.54 | -56.36% |
| 25 | 20 | $250,000 | Good | $15 | $13 | $19 | $9.83 | -$5.66 | -57.55% |
| 30 | 20 | $250,000 | Good | $17 | $14 | $21 | $11.66 | -$5.67 | -48.58% |
| 35 | 20 | $250,000 | Good | $19 | $16 | $24 | $14.06 | -$5.92 | -42.11% |
| 40 | 20 | $250,000 | Good | $24 | $21 | $30 | $21.45 | -$5.09 | -23.71% |
| 45 | 20 | $250,000 | Good | $32 | $35 | $40 | $30.60 | -$9.60 | -31.37% |
Quotes for: Females ages 20-45, $250,000 of coverage, Good Health, AZ (Preferred)
Wysh’s application takes less than 10 minutes to complete, so consider grabbing your own quote for exact pricing information.
In addition to its desktop app, Wysh also has a mobile offering. The Wysh app mirrors desktop functionality, allowing you to adjust current insurance coverage and build a new policy. You can also use the app to communicate with customer service professionals during the business day, which can be beneficial for policyholders looking for extra hand-holding when selecting coverage. The Wysh app is available as a free download for Android and Apple devices.
Wysh offers an exceptionally easy user experience — a welcome change of pace from some competitors, who may turn off policyholders with the overuse of insurance lingo. Some of Benzinga’s favorite features that Wysh uses to streamline the policyholder experience include the following.
- Human “Wysh Granters”: Navigating life insurance policies can be a sensitive issue. When you buy insurance coverage through Wysh, you can rest with the peace of mind that comes with knowing your family will have reliable assistance should they need to file a claim.
- Flexible policy options: Younger life insurance applicants may not be certain about buying insurance coverage, instead preferring to wait until their life is in a more permanent situation. With Wysh, you don’t need to worry about investing too much or too little in your coverage because of a changing life situation, as benefits are flexible. You’re free to add or remove coverage while your term is active to manage changing life situations, subject to underwriting approval.
- Quick applications: Wysh life insurance is easy to apply for, and you won’t need to submit medical exam results before you buy (just a few health questions!). Most applicants will have a decision in less than 10 minutes — and if you’re approved, you can enroll and enjoy benefits immediately.
Wysh earns top marks for user experience and can be an excellent choice for anyone looking for simple policy applications.
Wysh vs. Competitors
While Wysh can be a strong choice for any shopper looking for simple and budget friendly term life insurance, it might not be the best choice for everyone. Wysh limits its offerings to term life coverage, which means that you’ll need to explore additional providers if you’re seeking permanent coverage. Additionally, Wysh does not write policies for men and women over the age of 50, making it a weaker choice for life insurance policies for senior citizens.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. Coverage amounts vary by state.
*excludes New York
Overall, Wysh is a solid choice for anyone looking for a term life insurance policy with a more personal touch. If you value individualized and easily accessible customer service, you’ll appreciate how proactively Wysh Granters can help you, even in the early stages of choosing a policy. If you die during the term of your plan, Wysh Granters will help your beneficiaries navigate the claims and debt management processes.
While Wysh does not offer a diverse range of coverage choices like some competitors, its budget-friendly pricing will be a major benefit to term policy shoppers in particular. Coverage also begins instantly for those who are approved, providing a more streamlined buying experience.
Frequently Asked Questions
Can you get life insurance without a medical exam?
Yes, some life insurance providers allow you to purchase term life insurance without undergoing a medical exam. For example, all of Wysh’s policies detailed above are available instantly with no exam, just a few health questions Medical exam requirements vary by insurance provider and policy type.
What is term life insurance used for?
Term life insurance can help provide financial protection for one’s loved ones in the event that you suddenly die as the primary breadwinner of your home. Some people purchase term life coverage for temporary financial obligations, such as paying off a mortgage, funding a child’s education or replacing lost income. For example, if you have young children and want to ensure that they are able to pay for their education, you might purchase a term life insurance policy that covers you until they’re old enough to graduate.
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Methodology
Benzinga crafted a specific methodology to rank life insurance. To see a comprehensive breakdown of our methodology, please visit our Life Insurance Methodology page.
About Sarah Horvath
Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.