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Policygenius Life Insurance Review

Take a look at our in depth review and find a customized quote.

October 2, 2021    |    2 Minute Read

By Robert Bhatt

Summary

Founded in 2014, Policygenius has grown into a leading marketplace for a wide range of insurance products and services. The platform allows you to compare life insurance coverage and rates available from several top carriers through a combination of digital and live customer service. As an independent brokerage, Policygenius can prioritize the needs and interests of customers over those of any single carrier.

Pros

Rate and coverage comparisons from several leading carriers

Product selection includes most policy types

Cons

Application process varies by carrier

Suitable For:

  • Comparison shoppers
  • Those who want to see rates before choosing a policy type

Features

As an independent, online brokerage, Policygenius sells a wide variety of products from several leading carriers.

  • Term life policies of up to 40 years in length
  • Permanent life insurance choices include whole life, universal life and final expense insurance
  • Free online quotes, planning advice and live assistance from licensed insurance experts

Application Process

The online quoting tool doubles as an insurance-planning assistant. In the process of prompting you to submit information about your household, it helps you decide how much insurance you need, if you haven’t already decided. After you get your non-guaranteed quote, you can create an online membership for follow-up from a licensed expert. Customer service is available by phone, email and online chat.

Policy Types and Terms

Policygenius helps customers find the gamut of term and permanent insurance products from leading carriers.

  • Term life with policy lengths of up to 40 years
  • Universal and whole life, with benefit amounts that match your needs
  • Final expense policies from multiple carriers
  • Licensed experts available to advise on policy and rider choices

Privacy and Security

Established in 2014, Policygenius is headquartered in New York City and Durham, North Carolina. As an independent, online brokerage, the company’s licensed agents sell products from a number of well-known carriers. Policygenius doesn’t sell your personal information to third parties. It uses encryption technology to secure data at rest. Its sites use HTTPS and SSL protocols, and it secures transmissions from its sites to servers with TLS or better encryption. Policygenius has an A- rating with the Better Business Bureau and 4.8 TrustScore (excellent) on Trustpilot. Financial strength ratings vary by carrier.

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