The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
BestMoney.com
Wyshbox Review
Reviews 60
Wyshbox
Visit Site
Wyshbox
Wyshbox
Excellent
Reviews 60
Michael Graw
Aug. 04, 2022
2 min read
Michael Graw
Wyshbox summary
Wyshbox 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 Wyshbox will automatically calculate how much coverage you need. Premiums start as low as $9 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

Wyshbox at a glance

4.8
Editorial score

Coverage type

Offers either term or whole life insurance. Term life can be be for up to 30 years.
5.0

Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online
5.0

Customer services and support

Multiple communication options, ability to speak to an agent
4.0

Online experience

Online fast application, learning resources, access to rates before application
5.0

Direct insurer?

Yes, direct insurer
5.0

Wyshbox Wyshbox View Rates

Who Can Benefit From Wyshbox?

Wyshbox is designed for anyone aged 18-45 who is looking for term life insurance. The company offers affordable plans starting from just $9 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, Wyshbox will offer you the same rate as you’d get today as long as your health hasn’t changed.

Wyshbox 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. Wyshbox 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, Wyshbox coverage is  available in 33 states, as well as the District of Columbia.

What separates Wyshbox from other term life insurers is the way it structures its coverage. Instead of simply deciding how much coverage you need, Wyshbox 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. Wyshbox 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, Wyshbox 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 Wyshbox 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 Wyshbox 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, Wyshbox 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.

Wyshbox Wyshbox View Rates

Policy Types and Terms

Wyshbox offers term life insurance policies with coverage from $100,000 to $2.5 million. You must be 18-45 years old to apply. You can choose any policy term up to age 65.

Wyshbox 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 18-45 to apply
  • Coverage only up to age 65
  • $100,000-$2.5 million death benefit

How Safe Is It?

Wyshbox 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

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

Bottom Line

Wyshbox 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 18-45 in 33 states, 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.‎
Top 5 Life Insurance
Wyshbox
Wyshbox
Read Review|Visit Site
Read all reviews
Must Reads
Read all articles
Trustpilot reviews
See what some costumers are saying about Wyshbox
Wyshbox
Excellent
Reviews 60
on
Excellent
78%
Great
12%
Average
3%
Poor
2%
Bad
5%
L
ld
10 days ago
Simple and quick
Simple and quick
T
troy d okerlund
3 days ago
I wish I could ask more clarifying…
I wish I could ask more clarifying questions to a person
J
jennifer ludin
11 days ago
Easy, affordable
Application process was very easy. I customized my plan for me. Very affordable and cancel anytime!
K
kalyn
11 days ago
The process was really easy and the…
The process was really easy and the rates are really reasonable!
T
tyqwan mcclee
13 days ago
That you not guaranteed
The fact that I sent money after saying I was approved then came back and said I wasnt
G
gabriella montalban torres
15 days ago
Great experience
Great experience. So thankful because i have peace of mind in case of a unexpected event i know my family will be taken care of. Thank you Wyshbox!
A
alexandra english
17 days ago
Quick, easy, affordable, convenient!
Getting quote was easy, process fairly quick and easy. Really glad about having app!
T
telma c.
19 days ago
Online Aproval
The online quote was simple and fast. Also, the application for approval didn't take long.
K
kinet vashon smith
24 days ago
Easy to maneuver
Easy to maneuver. Quick, fast service
F
frank clement oben nguembou
24 days ago
Easy to set up
Easy to set up
C
chasten white oben
24 days ago
Smooth and easy to get a qoute
Smooth and easy to get a qoute. Wish they also sold whole life insurance
Y
yash kumar patel
25 days ago
Quote process was simple and quick compared to competitors.
Process was very streamlined and great ux experience.
W
wayne fulcher jr
25 days ago
Great and easy to get done at work
Great and easy to get done at work
A
amber
a month ago
Amazing experience
Amazing experience! Highly recommended life insurance.
V
vern
a month ago
Fast and easy
Simple app, very user friendly and easy to understand.
E
eric sprow
a month ago
Very pleased
Very pleased. Quick, easy and delivers as advertised.
A
ahmed jhamaal glover
a month ago
Great user experience and process
Great user experience and process
L
lana hogan
a month ago
Simple application but needs work
Filling out the application was relativity easy. However, I was needing a term life insurance policy and then clicked on accidental death to learn more about this. I chose to add this to the total policy. All I ended up with was an accidental death policy. I could not change it or go back. I tried the chat which was only a robot. There was no phone number to call. Only an email. So now I have an accidental death policy and am still out in the wind on the term life. Just hoping they contact me back about the other.
N
nazarena
a month ago
Exceptional customer service
This was by far the best life insurance company I've ever worked with. They were so fast and got me an incredible rate! The user experience on the website is also amazing and everything was super easy to understand. Simplest by far and the best!
N
nate nelson
a month ago
Easy app
Easy app, streamlined process
P
paul okechukwu madu sr
a month ago
Easy
Easy, helpful
J
jeremiah r ramsey
a month ago
Keep your head up…
Took sometime due to some previous health risks but had I not had those things happens I wouldn’t be here nor would this be a reality.
A
aubrey dunlap
a month ago
Convenient and great prices
Purchasing life insurance through wyshbox was a very simple and easy process. They offer competitive prices for monthly insurance premiums compared to most other companies. I would recommend this company to friends and family.
N
nicki
2 months ago
Very simple process
Very simple process! Great customer service!
C
christopher valentine
2 months ago
Easy like Sunday morning
Easy to navigate fast reply smooth all around experience
M
miles howard
2 months ago
Great product!
The application is solid, and my experience was fantastic due to how quick and easy it was to get a quote! - I am an employee of a company affiliated with Wyshbox.
D
doc hardison
a month ago
Great products offered
Great products offered! 5 stars! A quick and easy way to apply for quality life insurance. I am an employee of a company affiliated with Wyshbox.
B
bill tarman
2 months ago
Great experience
Great experience, 5 stars!!! Insurance prices are very competitive and the app is easy to use I am an employee of a company affiliated with Wyshbox.
R
ronald novell harris
2 months ago
Nice!
Intuitive when it came to applying for insurance.
J
justin askew
2 months ago
Clear process and quick!
Clear process and quick!
K
karissa marie porter
2 months ago
The entire process has been so seamless!
The entire process has been so seamless!
B
blair christine wallace
2 months ago
Fantasic experience
Fantasic experience
T
tom harari
2 months ago
Really easy to use.
Really easy to use.
C
cassandra
2 months ago
It was simple
It was simple. Do wish it would have allowed me to have coverage longer than the next 36 years.
J
jason c foster
2 months ago
Good experience
Good experience
N
nathan
2 months ago
Easy process.
Easy process.
A
anthony reyes
3 months ago
I appreciate you all
I appreciate you all
consumer-image
justin wright
3 months ago
Wyshbox Rocks
The website is so well done and easy to navigate.
C
cleo draper
3 months ago
Wyshbox made it really easy!!
Wyshbox made it really easy to get quotes, and receive a policy that would fit my needs. The best part is, the premiums are comparable to most policies that require a medical exam. Very simple process
K
kassie bennett
3 months ago
Wonderful options for a great price!
Wonderful options for a great price!
m
michelle muscianisi
3 months ago
Everything takes forever to load
Everything takes forever to load
S
someone that was looking for i
3 months ago
Thank God for Wysh
There are other online life insurance companies that claim to look out for you and give INSTANT coverage but Wyshbox stands on their word!
D
dana marie cain
3 months ago
Very easy and user friendly system
Very easy and user friendly system
A
april lee troester
3 months ago
Fast, beautiful and great price!
Filling out the application was really easy, and there was a fun game to play while my application was processing. I got a decision the same day and my pricing was very similar to the estimated monthly payment. I also compared Wyshbox with another digital insurer, and Wyshbox was faster and gave me a lower premium for the same coverage and term. I am an employee of a company affiliated with Wyshbox.
S
steven
3 months ago
Everything was pretty easy to navigate…
Everything was pretty easy to navigate through thank you for that at times I did have a little glitch but otherwise it was easy
T
troy
3 months ago
Simplicity of application process
First and foremost, the simplicity of the application process was just what I was looking for. Rates are competitive as well.
L
landon salsberry
3 months ago
Way easier to use and cheaper than…
Way easier to use and cheaper than other options we explored. Thank you!
A
awais a, customer
3 months ago
Couldn't contact customer support or…
Couldn't contact customer support or get a phone number.
Z
zering shukri
3 months ago
1 day turnaround
1 business day turnaround, no exam needed. If you need a policy quick, as I did, this is the way.
R
rafael santos
4 months ago
Excellent experience
Excellent experience. Fast response.
B
ben
4 months ago
Easy to sign up
Easy to sign up. Very responsive customer service. I spoke with Hannah and she was attentive and kind. First rate.
K
kimberly perry
5 months ago
I loved every minute of this life…
I loved every minute of this life insurance experience! I got a bang for my buck! I got what I wanted and I am excited to be with such a great company!
J
james damon dunn
5 months ago
Very easy to get life insurance if you…
Very easy to get life insurance if you are under 45.
C
cin o
10 months ago
Very easy to navigate and clearly…
Very easy to navigate and clearly describes what you get for what price.
D
david hyman
10 months ago
Wyshbox was a super easy way to buy…
Wyshbox was a super easy way to buy life insurance. The experience was fast and easy. The Wyshes thing helped me figure out how much coverage I wanted.
J
jordan clifton
10 months ago
Good experience so far
Pleased with the product so far. It was able to help me decide how much coverage I really needed. And customer support was easy to reach out to for a simple question.
W
wyshbox customer
10 months ago
Flexible and fast coverage
Super easy and fast to receive a quote and policy. I like how I can change my coverage at any time, by myself in the app. Pretty website too.
W
wyshbox customer
10 months ago
I’m so happy to find your company
I’m so happy to find your company. Very easy to sign up and affordable
W
wyshbox customer
10 months ago
Do research before signing up.
I received quotes from other companies that rates were lower for a lot more coverage. Wish I would have done more research.
H
hk
10 months ago
I was approved in 15 mins!
Easy and quick application process. Got my quote and policy instantly in under 15 mins.