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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:
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.
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.
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.
Wysh offers customer support by email and live chat 9AM-5PM (CT) Monday-Friday. The company also has an online FAQs page.
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.
Wysh Life & Health Insurance Company, 720 E Wisconsin Ave, Milwaukee, WI 53202
