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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.
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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. https://www.trustpilot.com/review/policygenius.com
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?
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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What you need to know about life insurance
Read the full life insurance guide handwritten by life insurance expertsVisit Our Guide
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