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Policygenius Review
Reviews 5,916
View RatesPolicygenius simplifies the process of buying a life insurance policy by allowing you to instantly browse policies from dozens of providers at once. The service covers a wide range of policy types, including term life insurance, whole life insurance, and alternative insurance policies like renters’ and disability insurance. The only policy type that isn’t easy to find with Policygenius is impaired risk coverage.
Policygenius has a useful tool that lets you adjust your coverage and policy length online so you can easily see how it changes your costs. In addition, the company has a A+ rating from the Better Business Bureau and provides top-notch customer service.
Policygenius lets you fill out a single online questionnaire and get access to numerous life insurance policies from dozens of different providers. That streamlines the process of looking for life insurance coverage so that you don’t have to repeat information on dozens of different websites. Additionally, Policygenius automatically filters out the quotes that don’t make sense for your needs.
Completing Policygenius’s online application only takes a few minutes. You’ll start out by telling Policygenius whether this is your first time shopping for a life insurance policy or whether you’re looking for supplemental or replacement coverage. Then enter basic information about yourself including your name, address, and contact details.
Next, Policygenius asks some health-related questions. You’ll need to provide information about your own history, such as whether you have ever smoked or whether your family has a history of certain illnesses.
After that, Policygenius will offer around a dozen policy options for you to review. Select the one that best suits your needs.
Once you’ve selected a policy, a licensed insurance agent will get in touch to confirm your policy details and set up a meeting with a medical technician. The technician can conduct the exam online or meet you at your home or office. After the medical exam is processed, the insurance provider for your chosen policy will recalculate their offer (typically the policy terms won’t change much during this process). You’re not under any obligation to buy the policy even after the medical exam, and Policygenius can help you through this part of the process to ensure you’re getting a fair deal.
From start to finish, expect the process of buying life insurance through Policygenius to take around 4-6 weeks. Most of that time is spent waiting for your medical exam or for the insurance company to finalize your offer. If you have any questions during the process, Policygenius insurance agents are available to help.
Policygenius offers a range of policies and terms:
Term life insurance provides coverage for a set number of years as opposed to for the rest of your life. Your premiums stay the same over the course of the policy and the policy pays out in full if you pass while covered. Term life insurance policies are typically available in 10-, 15-, 20-, 25-, or 30-year terms.
Term life insurance tends to be simple and affordable. Policies can cost under $10 per month in some cases. However, you are likely to see a significant premium hike if you need to renew your policy 10 or 20 years down the road.
Return of premium life insurance policies are attractive because you get rewarded for living. If you outlive your policy’s term, your provider returns all of the premiums you have paid to you. Of course, the catch is that return of premium life insurance policies typically come with premiums that are 30% higher than standard term life insurance policies.
A no medical exam life insurance policy is simply a term life insurance policy that doesn’t require a medical exam. This type of insurance can be a good option if you are young and healthy. However, you might end up paying higher premiums since your insurer doesn’t have detailed information about your health.
A whole life insurance policy covers you for the remainder of your life. This is very different from term life insurance because it’s essentially guaranteed to pay out at some point. Typically, the benefit is related to how much you have paid into the policy since your premiums essentially go into a savings account that becomes available to beneficiaries upon your passing.
Policygenius has an A+ rating with the Better Business Bureau and 4.8 out of 5 stars on Trustpilot based on 1,800+ reviews. Policygenius is also licensed as an insurance broker in all 50 states, meaning that the company is legally responsible for its advice and the sales it brokers.
Policygenius also takes online security seriously. The company’s digital security features comply with HIPAA and it is regularly audited to ensure the safety of customers’ information.
Policygenius offers excellent customer support. Past customers describe the company’s representatives as helpful, professional, and easy to work with. You can get in touch with the company by phone from 9 am to 9 pm Eastern, 7 days a week. Support is also available 24/7 by email or live chat.
Policygenius streamlines the process of applying for life insurance. With this platform, you can quickly and easily compare multiple life insurance policies from dozens of different providers just by filling out a single online form. You’re supported throughout the process by a licensed insurance agent, and Policygenius’s customer service team is available anytime you need assistance. If you’re looking for life insurance to ensure that your loved ones are taken care of after your passing, Policygenius can help.
22 West 19th St, Floor 8
New York, NY
10011
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