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Wyshbox Review

Reviews 160
 Wysh
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 Wysh
Wysh
Excellent
Reviews 160
Michael Graw
Aug. 10, 2023
2 min read
Michael Graw
Wysh Summary
Wysh is a term life insurance company founded in 2021. It helps you find the coverage you need by splitting your debts, financial goals, and outstanding obligations into “wyshes.” Just select the wyshes you want, such as paying off your mortgage or funding your children’s college tuition, and Wysh will automatically calculate how much coverage you need. Premiums start as low as $4.57 per month and you can lock in your premium until age 65.

Pros

  • Wyshes help you calculate your coverage
  • Coverage decreases automatically as you pay off debt
  • 10 minute online application, instant coverage if approved

Cons

  • Coverage only available up to age 65

Wysh at a glance

9.6
Editorial score

Coverage type

Offers either term or whole life insurance. Term life can be be for up to 30 years.
10.0

Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online
10.0

Customer services and support

Multiple communication options, ability to speak to an agent
8.0

Online experience

Online fast application, learning resources, access to rates before application
10.0

Direct insurer?

Yes, direct insurer
10.0

 Wysh Wysh View Rates

Who Can Benefit From Wysh?

Wysh is designed for anyone aged 18-50 who is looking for term life insurance. The company offers affordable plans starting from just $4.57 per month, and you can lock in your rate until age 65. If you choose a shorter term and want to renew your coverage in the future, Wysh will offer you the same rate as you’d get today as long as your health hasn’t changed.

Wysh is also good for those who want to get life insurance coverage quickly. The application process is completely online and takes less than 10 minutes. You can get a quote based on your coverage, age, and overall health, and you have the option to customize your coverage. There’s no medical exam required and your coverage takes effect immediately.

This life insurance company is also suitable for people with debts, such as mortgages, auto loans, and credit card debt. Wysh can link to your financial accounts to track how much outstanding debt you have. It automatically reduces your coverage as you pay off debts, which also reduces your premium. So you’re only paying for the coverage you need over the course of your policy.

Currently, Wysh coverage is  available in 36 states, as well as the District of Columbia.

What separates Wysh from other term life insurers is the way it structures its coverage. Instead of simply deciding how much coverage you need, Wysh walks you through the process by helping you choose wyshes.

Wyshes include financial goals like paying off your mortgage or credit card debt, paying for your children’s college tuition, or leaving money behind to pay for your funeral costs or to give a gift to your family. Wysh will help you figure out how much money you need to fulfill each wish, and calculate your total life insurance coverage based on all of your wyshes. You can also customize your coverage.

In the event of your death, Wysh can work directly with your lenders to distribute your death benefit and pay off your debts. This can reduce stress for your family while also fulfilling the debt-related wyshes you included on your policy.

Some other highlights of Wysh include the following:

  • Coverage up to age 65
  • The ability to adjust your coverage manually at any time
  • Instant coverage after you apply, with no medical exam
  • Up to $2.5 million in coverage

Application Process

The application process at Wysh is fully online and takes less than 10 minutes. An interactive tool helps you build your list of wyshes and assign a dollar value to each. From that, Wysh will calculate the amount of coverage you need and generate a quote.

To complete your application, you just need to fill out a medical questionnaire. There is no medical exam required. You can get approved instantly and your coverage takes effect as soon as you pay for your policy.

 Wysh Wysh View Rates

Policy Types and Terms

Wysh offers term life insurance policies with coverage from $100,000 to $2.5 million. You must be 18-50 years old to apply. You can choose any policy term up to age 65.

Wysh lets you upgrade, downgrade, or cancel your policy at any time. If you decide to extend your coverage at the end of your term, the company will give you the same rates as you would qualify for now as long as your health hasn’t changed.

  • Must be 18-50 to apply
  • Coverage only up to age 65
  • $100,000-$2.5 million death benefit

How Safe Is It?

Wysh uses SSL encryption to keep your application information secure. You must submit your social security number, contact information, and medical history as part of your application.

Help & Support

Wysh offers customer support by email and live chat 9AM-5PM (CT) Monday-Friday. The company also has an online FAQs page.

Bottom Line

Wysh offers term life insurance policies with up to $2.5 million in coverage. You can get exactly the coverage you need by specifying wyshes such as paying off debt, supporting your family, or leaving behind a financial gift. In addition, your policy is fully customizable and your coverage can automatically adjust over time as you pay off debts. Wyshbox is available for people aged 18-50 in 36 states plus Washington D.C., and you can choose any term up to age 65.

Physical Address

Wysh Life & Health Insurance Company, 720 E Wisconsin Ave, Milwaukee, WI 53202



Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Wysh
 Wysh
Excellent
Reviews 160
on
Excellent
84%
Great
7%
Average
2%
Poor
2%
Bad
5%
J
joshua whitmer
16 days ago
Quick and convenient
Quick, convenient and didn’t push me to get what I didn’t need. A “just in case” policy took less then 5 minutes!
K
kristi fons
19 days ago
My experience was amazing!
My experience was amazing!
consumer-image
cory ferguson
22 days ago
Best source for life insurance …
I finally found a source for life insurance that doesn't require getting the hard sales phone calls, committing to lengthy contracts, or any of the other usual stuff that makes this very busy guy's life more difficult. The process was quick, very easy, and the flexibility of choosing a policy meant I could purchase EXACTLY the coverage I needed.
G
gary lee snidow jr
23 days ago
The process was very easy
The process was very easy! However, there was an important aspect left out. There wasn’t an option to list a beneficiary.
T
terry wayne donald sr.
24 days ago
It was great for me to have this great…
It was great for me to have this great experience
N
nicole alise wilson
a month ago
Easy to answer questions and experience!
Simple and to the point
K
kelsey
a month ago
so easy to use
so easy to use
J
jacob jahr
a month ago
More Than Just an Anonymous Application
Professional, courteous, and compassionate service. Anyone who doesn't have a squeaky-clean health or medical history knows just how difficult it can be to obtain life insurance coverage. Most of the time you're just told no from the moment you submit the application with no explanation, or a very vague reason why you can't be covered. Though my application was not immediately approved, I only had to answer a few basic questions to complete the manual underwriting process and get approved for a fantastic policy. Thank you Wysh!
R
robert p
a month ago
Very pleased!
Very good experience all around. All of my questions were answered promptly, and I am very happy with my new coverage!
A
al
a month ago
It was a nice smooth process and I…
It was a nice smooth process and I accomplished what I needed.
b
bishal pandey
a month ago
Excellent page and very friendly to use.
Excellent page and very friendly to use.
B
bad gal oogie
a month ago
Don’t waste your time if not in perfect health
I went there for life life insurance I assumed because I have multiple sclerosis my rate may be higher but they don’t say the decline to insure you they show you a possible rate ask you the health question then offer accident never again saying anything about the life insurance. So then if you think you are waiting to hear a final decision on the life like me and purchase the accident you have to jump through hoops to cancel it.
K
kat wellman
a month ago
Very easy to use
Very easy to use and get started. I was surprised at how fast it was to start the life insurance plan.
J
john wesley wood
2 months ago
It’s easy
It was east an reassuring experience an gave my family peace of mind
N
nicholle santiago
2 months ago
Applying was fast and easy
Applying was fast and easy. I'm not good with technology, so that's saying alot.
E
eric michael stadler
2 months ago
Easy to use and when I needed support…
Easy to use and when I needed support it was available quickly.
F
frank
2 months ago
Very streamlined and intuitive process.
Very streamlined and intuitive process.
S
scarlett cheney
2 months ago
Super easy to navigate.
Super easy to navigate.
R
r mcw
2 months ago
Super easy to quote and then make…
Super easy to quote and then make changes and sign up.
G
gary lee beardslee
2 months ago
Excellent experience.
Excellent experience.
Z
zachary lafayette storemski
2 months ago
Great Service & Quick
Easy to go through application. Was quick and easy and gives peace of mind for loved ones
M
m salvhus
2 months ago
Went quickly and easily.
Went quickly and easily.
J
jessen everett stafford
2 months ago
Fast and easy
Fast and easy
A
amanda h
2 months ago
Easy and Straight Forward
The online application was easy to fill out, straight forward, and was not time consuming.
j
j. kelly
2 months ago
Quick and easy
Quick and easy. Best rates by far
R
richard e kambeitz
2 months ago
It was quick and easy
It was quick and easy straight to the point got me covered within 15 min
D
daniel leo harasim
2 months ago
Seamless recommend to family and friends
Seamless recommend to family and friends
D
dawn michelle woodrum
2 months ago
Wyshbox was super easy
Wyshbox was super easy. Everything from beginning to end was able to be completed online. Their communication was fast and thorough. I highly recommend Wyshbox!
t
tiffany soule thiri
2 months ago
Excellent!!!
Incredibly smooth process, quick manual underwriting, great communication, snazzy user interface; all things should be this easy, everywhere.
S
stuart lamar hall
2 months ago
Simple to complete
Simple to complete
R
ronnie alonzo mack
2 months ago
Great timely Service
Easy and Friendly. Great people here.
M
maya k
2 months ago
Easy, straightforward, quick
After our son was born, it was essential that we do 2 things: purchase supplementary life insurance (to add to that provided by our employers) and write our living wills. Wyshbox made getting this life insurance quick and painless -- and the monthly cost is very reasonable!
J
james caleb middleton
2 months ago
It was awsome and easy no exam which is…
It was awsome and easy no exam which is exactly what I was trying to find
H
heidi l
2 months ago
They made us super easy!
This was much easier than I had anticipated. I received an affordable quote and my coverage begins today. Awesome.
A
aubrey
3 months ago
Super Easy and Convenient Process
Super Easy and Convenient Process
D
darrell austin clark
3 months ago
Easy to apply and receive life…
Easy to apply and receive life insurance. The process was simple and easy to navigate.
G
gretchen mae merritt
3 months ago
Everything was really easy to set up…
Everything was really easy to set up and easy to understand. I'm hoping the rest of my relationship with Wyshbox is a great and the set up!
R
richard pennington
3 months ago
Great easy experience super fast
Great easy experience super fast
M
melody
3 months ago
Easy
Easy. Filled out online. Got a call to let them know my prescriptions and that was it
R
robyn cummings
3 months ago
The reach outs via email and phone were…
The reach outs via email and phone were helpful and reminded me of how much I needed to complete my application and consider my family.
S
steven clifford bruce
3 months ago
Great experience!
Great experience!! Very user friendly, easy to understand and simple!!!
S
stephen j halmo
3 months ago
Great company! Will definitely use in the future.
It was very easy to navigate submitting the request online. In addition, a quick decision time frame compared to the weeks if wait I had with other companies.
A
anish suvarnakar
3 months ago
The process was quick and easy,faster…
The process was quick and easy,faster than I thought.
J
jerome sanders
3 months ago
Exyremely Easy Insurance Application Process
Very easy to apply and obtain life insurance via your website.
C
christopher cody scott
3 months ago
Fast
Easy to use interface, and quick approval time. Great at making a tough decision less complicated.
t
tolima benci
3 months ago
Had an appointment to talk to…
Had an appointment to talk to representative never called... Still purchased the policy because of the ease of use of the website.... Fingers crossed I stay healthy....
J
jayne
3 months ago
Life insurance while you're young
Most people in their 20's don't think about life insurance. The truth is, you never know what could happen. I would never want to leave my family with the responsibility of covering my debt and caring for my animals. locking in my rates until I'm 60 no matter what happens to me, is such a blessing.
C
chandler jay gatten
3 months ago
Policy is totally overpriced and not…
Policy is totally overpriced and not even close to what I asked for? 🤔
A
anianu
3 months ago
The website is very easy to navigate
The website is very easy to navigate. The pricing is good.
N
nichola lynn switzer
3 months ago
I just started with this company this…
I just started with this company this morning. Do far everything was pretty easy and my monthly payment is extremely cheap till I'm 65. So far I would recommend to others
T
t milliron
3 months ago
Easy to use and quick results.
Easy to use and quick results.
J
james christian bell
4 months ago
Wyshbox was phenomal and provided peace…
Wyshbox was phenomal and provided peace of mind for me and my family! Highly recommend them!!
J
jordan elizabeth garza
4 months ago
Very communicative and easy application…
Very communicative and easy application process. Coverage is affordable.
K
kenya austin
4 months ago
affordable coverage transparent information
It was easy understandable and smooth process
t
tawania lee mcclain
4 months ago
Thank you for giving me a peace of mind…
Thank you for giving me a peace of mind to know if something ever happens to me that my family won't be left with worries of burial or bills.
P
peter jon young
4 months ago
Quick and easy.
Quick and easy.
B
b a
4 months ago
Fast application and decision
Fast application and decision. Customer service very responsive. Can sleep well now.
A
andrea s
4 months ago
Automatic Denials
Automatic, computerized denial.
M
mara sterling
4 months ago
Great experience and fast results
Great experience with fast results. Excellent customer service.
M
matthew g
4 months ago
Website is great
Website is great. Allows you to adjust coverage amount and timeframe. Customer service is knowledgeable and fast service. Thank you!
M
michelle anne behrmann
4 months ago
Easy!
Super quick and simple to fill out and can make changes to your plan easily.
K
kalen lael hawley
4 months ago
Great rate!
Great rate! The process took two days and by day three I was covered.
C
carter evans
4 months ago
Extremely easy to work with an…
Extremely easy to work with an excellent customer service!!
A
amanda marie
4 months ago
False advertising
False advertising
R
rachel vishnevsky
4 months ago
THANKFUL!
QUICK APPROVAL
T
timothy bryant lawrence
5 months ago
Fast and easy..
Fast and easy... fair price for policy
K
kendall g
5 months ago
Coverage is flexible & relatively competitive… However
The coverage is relatively competitive and flexible because it allows you to lock in rates up to the age of 65 and change coverage at anytime. I did not, however, like how the estimated rates I first received were much different from the rates they later told me I was eligible for. When I asked a representative why the rates changed so much and what they were based on I was told my rates were based on a TruRisk Life score and to reach out to TransUnion. Upon reaching out to TransUnion about the TRL score I was directed around to several departments on multiple occasions because no one could ever find information on this. Even upon requesting a Credit Report from TransUnion, I could find no such thing on the report. The representative with Wyshbox apologized and said that they couldn’t offer anymore information. So, I have no way of verifying if the rate I was offered was fair because I could not verify information that affected its factors.
R
richard berry
5 months ago
Super easy and fast procees!
Super easy and fast procees!
J
joshua bigelow
5 months ago
Quick easy and flexible which was…
Quick easy and flexible which was exactly what I needed.
D
daniel escutia
5 months ago
Great experience thru the process of…
Great experience thru the process of getting life insurance set up
J
jason samland
5 months ago
Easy to navigate
Easy to navigate. That means a lot.
F
fredderick leon flint
5 months ago
Easy process
Easy process
C
cory marie ohmert
5 months ago
Quick!
Quick and easy experience!
T
takila laquan bickham
5 months ago
Was really quick & easy
Was really quick & easy
E
edwin edward lodrigue
6 months ago
The website is trash no customer support
The website is trash no customer support
c
camellia johnson
6 months ago
no idea how to get in touch with anyone…
no idea how to get in touch with anyone to make sure this is a legitimate site
T
t hale
6 months ago
Simple process and a fair rate
Simple process and a fair rate
J
joey p
6 months ago
Very easy and streamlined process
Very easy and streamlined process, simple to sign up and manage via the app.
A
aerlyn
6 months ago
Quick Easy and Convenience.
Quick Easy and Convenience.
B
b.a. smith
6 months ago
5 stars!
I was denied for the term life policy I applied for, most likely due to my past drug use. Even so, I was able to secure an accidental death policy at a great rate! The online process was simple, easy to understand, and convenient. And the ability to fine-tune benefit distributions with my beneficiaries and 'wyshes' is a big plus! I have hopes that Wyshbox can help me get the term life policy I need in a couple years with 10 years clean time behind me.
B
bss
6 months ago
Made me feel great about the process…
Made me feel great about the process and the ease of navigating the app.
o
opeyemi jonathan orenisi
6 months ago
Very fast and easy process
Very fast and easy process
T
tony coleman
7 months ago
Great step to cover family
Painless and nice way to consider the unknown
R
rebecca forbes
7 months ago
Good
.Easy to use.
e
edward devon harbert
7 months ago
The application was very easy and self…
The application was very easy and self explanatory. I recommend using this company to anyone looking for a great life insurance company to cover yourself
J
jesse
7 months ago
Easy process and I got a competitive…
Easy process and I got a competitive quote :)
N
naji jamal basma
7 months ago
The process was quick and easy
The process was quick and easy. Best experience that I’ve had with a life insurance provider, by far!
S
scott
7 months ago
Easy process and options!
Easy process and options!
L
lizzie
7 months ago
Customer service did great!
Customer service did great!
R
rebecca garcia
7 months ago
The application was quick and easy
The application was quick and easy. The no need for medical underwriting was the selling point for me. I HATE needles. It's nice to be acknowledged for being healthy in today's "on the go" lifestyle most people are forced to live.
R
rosalia mendoza
7 months ago
Customer Service was on Point!!
Customer Service was on Point!!! Thank You
R
resident of spring
7 months ago
The interface is very user friendly
The interface is very user friendly. I didn't expect to get a life insurance policy so quickly.
consumer-image
anthony philip
7 months ago
Super easy to use & understand
It was super easy to use & understand throughout the process. I was able to build a customized plan for my family, and the pricing at the end was fair. Highly recommend!
J
joseph parente
7 months ago
Simple and clear
The entire experience was extremely simple and clear from start to finish. The technology platform was easy to use and very thorough from the website to follow up emails and texts. It was very easy to get the details that I needed and complete the process.
A
audrey marie stern
7 months ago
Very easy process
Very easy process
S
sang hoon shim
8 months ago
Not a scam but sure feels like one
Coverage not fully disclosed until payment is made. Turns out maximum coverage for accidental death is only for public transportation. Cancellation is not easy as stated.
J
joseph robert watts
8 months ago
Quick and easy estimate and application…
Quick and easy estimate and application process! I was able to determine my coverage amount, term length, get a quote and get coverage within minutes!
M
ms. wiley
8 months ago
Fast
Fast, great service
D
dcs
8 months ago
Just want my family needs & deserves!
User-friendly online experience. Thorough explanation of coverage with using unnecessary jargon. Straight forward, perfectly priced and outstanding coverage options. The aesthetic is also right on point!
A
a. r. m.
8 months ago
Simple, quick, fair
Quick answer without medical examination, great follow up on the quote, a quote in line with the on-line advertisement. So far not one complaint.