
Wyshbox summary
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
- Only available in 10 states
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 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 only available in 10 states: Arizona, Georgia, Ohio, Oregon, North Carolina, Pennsylvania, Wisconsin, Illinois, and Michigan.
Features
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.
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 10 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 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.