Compare and save on life insurance

Get the protection you need—and save over 40%

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Prudential - grey
& many more - grey

Need something other than life insurance?

The simplest way to get the right policy at the right price

No jargon. Unbiased. Just an honest approach that puts you first.


Unbiased advice on all things insurance

Understanding how this all works has never been easier

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Compare insurance quotes and save

Find affordable insurance by comparing side-by-side

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Apply and buy through PolicyGenius

Get the policy that's right for you, hassle-free

It costs you nothing to use our service.
So, what's in it for us?

Like traditional brokers, we get commissions for policies we sell. The commissions are part of the price, so you don't pay more to use our service. Our reputation is important so we'll always find the policy that's best for you.

Let our people help protect your people

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About the PolicyGenius Team

  • Licensed & certified advisors
  • Salaried, not paid commission
  • No pushy sales, just honest advice
  • Jargon-free explanations
  • Based in the USA

Available Monday-Thursday | 9am-8pm EST, Friday | 9am-6pm EST

Best insurance companies

We work with hundreds of America's top insurance companies
Pets Best
United Healthcare
Kaiser Permanente
Pacific Life
and many more!

Major press

More than just our moms have taken notice
Usa Today
New York Times
Life Hacker
Fast Company
Market Watch
Bloomberg Businessweek

We've helped millions of people shop for insurance

And they actually enjoyed it!


Our BBB Rating

This is the highest rating given by the Better Business Bureau

Our Customer Rating

4.8 out of 5 stars on Trust Pilot, the leading online source for business reviews

Question Bubbles

Top FAQs about PolicyGenius

How is PolicyGenius different from other insurance sites?

We've set a high bar to make PolicyGenius the only insurance site you'll need. That means we:

  • Offer all the top insurance companies so you don't have to shop elsewhere
  • Explain what you need to know in plain English so you don't have to research elsewhere

The insurance industry also hasn't treated consumers well. This is how we're different:

  • We don't require your contact info to get quotes. Unlike other sites, you can shop freely and anonymously here
  • Our team of licensed experts focus on great advice, not pushy sales. They're salaried, not commissioned, so they're on your side

Don't just take our word for it. See what others are saying about their experience working with PolicyGenius.

How does PolicyGenius make money?

As a company, we get paid a commission by insurance companies for policies we sell. But don't worry: these commissions are already baked into the price of all insurance policies. This means you never pay extra to use our service.

We understand that commissions introduce a potential conflict of interest. But we avoid that conflict by:

  • Being transparent: showing you all quotes from all companies, so that you can decide what to buy (or not to buy)
  • Focusing on advice: every day we publish free resources to help you make smart decisions about insurance. Also, our licensed experts are salaried, not commissioned, so that they can focus on advice and customer service, not sales.
  • Being values-driven: one of our company values is to live by the Golden Rule with our customers and with each other. For example, we could make a lot more money by selling whole life insurance over term life insurance, but we don't believe that's the right thing for most consumers. So we don't do it.

And if you want to know what commission we'd earn on any insurance product you see on this site, just ask us. We’ll be glad to tell you.

Is PolicyGenius licensed?

Yes, we're licensed in all 50 states and Washington, DC. You can view our licenses here:

Is PolicyGenius affiliated with any insurance companies?

No, we're an independent insurance broker. What that means is that we represent multiple insurance companies and have no bias to recommend one over another. We only work with insurance companies that have at least an A- financial rating - this means you can be confident that you're buying from a very reputable insurance company. For us it's important you find the right insurance policy for your needs. When insurance companies compete for your business, you win.

Is it cheaper to buy insurance through PolicyGenius?

Here's the deal: you can't get a cheaper price for a given policy from Insurance Company X from us, from another broker or directly from Insurance Company X. That's because each insurance company files their prices with the state regulators, and everyone has to use those prices. It's illegal for us or anyone else to discount that price.

But here's where you can save money: by comparing insurance policies for Insurance Company X, Insurance Company Y and so on. Each company competes to offer the best product at the best price - and you as a consumer win by looking at the whole market (like you would do on Amazon). At PolicyGenius, we strive to offer all the top insurance companies, to make sure you get the best policy for you, and save money.

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We'll let you know what insurance you need (and what you don't)
  • Life
  • Health
  • Auto
  • Accident
  • Homeowners
  • Dental
  • Vision
  • Critical Illness
  • Pet
  • Disability
  • Renters
  • Long-term Care

Life Insurance

Get the coverage you need to protect your loved ones, even when you're not around.
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Health Insurance

Find affordable health insurance that gets you covered from head to toe
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Disability Insurance

Long-term disability insurance pays you a paycheck when you're out of work
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And many more insurance products

Get help with anything in your life that might need protecting.
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