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Wyshbox Review

Reviews 181
Reviews 181
Michael Graw
Aug. 10, 2023
3 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.


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


  • Coverage only available up to age 65

Wysh at a glance

Editorial score

Coverage type

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

Customization of policies

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

Customer services and support

Multiple communication options, ability to speak to an agent

Online experience

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

Direct insurer?

Yes, direct insurer

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.

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
Excellent • Reviews 181
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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Lacey Dawn Viar
1 day ago
Easy and Fast
Easy process and great mobile application
Rondolyn R James
1 month ago
New Beneficient
So far pretty easy and straightforward signing up.
Fredrick D Armstead
2 months ago
The layout was simple and easy to understand. And when I had questions it was easy to find thorough n detailed answers. I really like my plan.
Chenelle Rene Howard
3 months ago
Ira withdrawal pay out premium that on…
Ira withdrawal pay out premium that on the way.
William J Adams
3 months ago
The best and easiest insurance I have…
The best and easiest insurance I have ever bought.