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Wyshbox Review

Find a customized quote easily

Reviews 9

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Michael Graw
Michael Graw
Aug. 04, 20224 min read

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
Wyshboxat a glance
4.6

Editorial score

Coverage type

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

4.0

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 byMichael 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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GreatReviews 9
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  • author
    Kimberly Perry
    Sep 22, 2022
    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!

    ...

  • author
    James Damon Dunn
    Sep 17, 2022
    Very easy to get life insurance if you…

    Very easy to get life insurance if you are under 45.

    ...

  • author
    Cin O
    Apr 13, 2022
    Very easy to navigate and clearly…

    Very easy to navigate and clearly describes what you get for what price.

    ...

  • author
    David Smithson
    Apr 12, 2022
    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.

    ...

  • author
    Jordan Clifton
    Apr 12, 2022
    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.

    ...

  • author
    Wyshbox Customer
    Apr 12, 2022
    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.

    ...

  • author
    Wyshbox Customer
    Apr 12, 2022
    I’m so happy to find your company

    I’m so happy to find your company. Very easy to sign up and affordable

    ...

  • author
    Wyshbox Customer
    Apr 12, 2022
    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.

    ...

  • author
    HK
    Apr 12, 2022
    I was approved in 15 mins!

    Easy and quick application process. Got my quote and policy instantly in under 15 mins.

    ...

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