The easy way to compare and buy life insurance

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AIG
Banner Life
Pacific Life
Lincoln Financial
Brighthouse

& more

“The education that Policygenius is providing is a true public service.”

The New York Times
Protective
AIG
Banner Life
Pacific Life
Lincoln Financial
Brighthouse

& more

“The education that Policygenius is providing is a true public service.”

The New York Times

Cover your assets

Find insurance for life and everything in it.

Insurance simplified

How it works

Compare life insurance quotes
  • Learn

    Find out everything you ever (or never) wanted to know about insurance. Unbiased advice, without the jargon.

  • Compare

    Compare insurance quotes side by side to find the best option - and save money doing it.

  • Apply

    Apply and buy through Policygenius and let our licensed advisors handle the rest. Free of hassle, free of charge.

$20 Billion

and counting...

Our track record

We’ve placed billions of dollars in coverage.

From coast to coast, we’ve helped over 4.5 million people shop for insurance, and protected our customers with over $20bn in coverage.

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We've helped millions of people

And they actually enjoyed it.

"Awesome service! Great communication, easy to navigate website, even better pricing. Very happy"

- Brett D.

"Makes the process of getting life insurance painless and easy to understand."

- Thomas G.

"Set expectations properly. Simple and proficient process. Professional people. Great follow-up."

- Peter T.

"Great experience with great team. Thank you for your help to get my life insurance quick and easy."

- Maja S.

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Let’s get you some life insurance.

Policygenius agent talking to customer on the phone

Real human help

Let our people protect your people.

Our licensed advisors deal with the insurer so you don’t have to. No AI bots, no robocalls, no salespeople. Just real human help from start to finish.

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The top five questions people ask us.

1.

How is Policygenius different from other insurance sites?

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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 us by visiting Policygenius reviews on Trustpilot.

2.

How does Policygenius make money?

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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.
3.

Is Policygenius licensed?

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Yes, we’re licensed in all 50 states and Washington, DC. Click here to view our licenses.

4.

Is Policygenius affiliated with any insurance companies?

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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.

5.

Is it cheaper to buy insurance through Policygenius?

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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.

Let’s get you some life insurance.

Insurance guides & resources

Everything you ever (or never) wanted to know about insurance.

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Insurance Checkup

Not sure where to start? Get instant recommendations and advice with our Insurance Checkup.

We’ll let you know what insurance you need (and what you don’t).

Life

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Health

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Renters

Accident

Critical Illness

Long-term Care

3x/Life/Color

Life Insurance

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

What you need to know about life insurance.

Life insurance Basics

What it is, how it works and what you need to know

Read more

Shopping Advice

How to buy a policy and what to look for

Read more

Term vs Whole Life Insurance

Find out what type of life insurance is right for you

Read more

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Health Insurance

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

What you need to know about health insurance.

Health Insurance 101

What is health insurance and how it works

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Health Insurance Marketplaces

How to find coverage on healthcare.gov and the exchanges

Read more

Finding Affordable Health Insurance

Learn the tips to find cheap health insurance

Read more

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Disability Insurance

Long-term disability insurance pays you a paycheck when you're out of work.

What you need to know about disability insurance.

Long-Term Disability Basics

What it is and how it works

Read more

Disability Insurance Shopping Guide

How to shop for disability insurance and save

Read more

Who Needs Disability Insurance?

Don't think you need disability insurance? Read this before you decide

Read more

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Pet Insurance

Pets get sick, too. Compare pet health insurance.

What you need to know about pet insurance.

Understanding Pet Insurance

What are the expenses and risks associated with pet insurance

Read more

Common Pet Insurance Features

Find out what pet insurance features to look for

Read more

What Pet Insurance Covers

Find out what pet insurance will cover (and what it won't)

Read more

3x/Renters/Color

Renters Insurance

Renters insurance protects you from theft, damage and even clumsy friends.

What you need to know about renters insurance.

How Renters Insurance Works

What is renters insurance and how it works

Read more

What Renters Insurance Covers

What are you covered for with renters insurance

Read more

How to Buy Cheap Renters Insurance Online

A guide to shopping for renters insurance

Read more

Seen enough, huh?

Take me to the top

Read the latest articles from Policygenius Magazine.

Owl

Is term life insurance worth it?

Policygenius April 6th, 2015

When you’re insurance shopping, a lot of new terms get thrown around.

Continue reading

Die with all saids of question marks

Is long-term disability insurance worth it?

Chris Walters April 17th, 2015

Apartment building

Is renters insurance worth it?

Colin Lalley April 7th, 2017

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Policygenius / Black

22 West 19th St, Floor 8

New York, NY 10011

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Friday | 9am-6pm EST
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