Life insurance
Accelerated underwriting/"no medical exam" (life insurance) - Issuance of a term life or final expense life insurance policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire.
"You could save [up to 70%]" (life insurance) - Savings of 70.16% estimated by calculating the average percentage difference between the highest and lowest monthly premiums for $500K, 20-year term life policies available in the Policygenius marketplace from the carriers listed in this disclosure for a 40-year-old male with a Preferred Plus health rating in all 50 states and Washington, D.C. Savings may vary by term, policy amount, health class, and state. Savings illustration valid as of 5/5/2025. Carriers include Corebridge Financial, Foresters, Legal & General, Lincoln, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica.
"Life insurance is less expensive than you might think" - Based on the results of a survey conducted by LIMRA in January 2020 in which 50% of millennial respondents born between 1981 and 1998 estimated that a $250,000 term-life policy for a healthy 30-year-old would cost over $1000 per year.
"Up to 13"/"over a dozen" top insurers (life insurance) - Based on the NAIC 2022 ranking of life insurance companies. Product availability varies by state and is based on eligibility. Not all carriers available in all states.
"Depending on your age, you add between 4.5%-9.2% on average to your premium every year you wait to buy" (life insurance) - Policygenius calculated the average annual increase in cost for non-smoking individuals in their 30s (4.8% increase), 40s (8.9% increase), and 50s (10.9% increase) with Preferred health ratings for a $1M, 20-year term life insurance policy in all states. Calculation is based on a composite of policies from the following carriers in the Policygenius marketplace: Corebridge Financial, Foresters, Legal & General America, Lincoln, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, Symetra, and Transamerica and may vary by carrier, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 3/3/2025.
"Life insurance rates typically increase with age" - Methodology: Average monthly rates are calculated for male and female non-smokers in a Preferred health classification obtaining a 20-year $250,000, $500,000, or $1,000,000 term life insurance policy. Life insurance averages are based on a composite of policies offered by Policygenius from Corebridge Financial, Foresters Financial, Legal & General America, Lincoln Financial, Mutual of Omaha, Pacific Life, Protective, Prudential, Symetra, and Transamerica, and the Policygenius Life Insurance Price Index, which uses real-time data from leading life insurance companies to determine pricing trends. Rates may vary by insurer, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 08/15/25.
$100K term life policies
"$100K for as little as $8.96/mo" (Female - life insurance) - $106.07/yr, $8.96/mo, $0.29/day for a 20-year, $100K term life insurance policy for a healthy, non-smoking, 30-year-old female in California from American General Life Insurance Company of Houston, TX. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 4/7/25.
"$100K for as little as $9/mo" (Male - life insurance) - $8.58/month for a 10 year, $100,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 36-year-old male in Tennessee from Legal & General of Fredericksburg, MD. Rate illustration valid as of 5/30/25; $8.66/month for a 10 year, $100,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 28-year-old male in Virginia from Legal & General of Fredericksburg, MD. Rate illustration valid as of 3/11/25
$300K term life policies
"$300K for as little as $15/mo" (Male - life insurance) - $11.09/month for a 15 year, $300,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 34-year-old male in California from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 7/29/25; $14.60/month for a 15 year, $300,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 40-year-old male in Florida from Legal & General of Fredericksburg, MD. Rate illustration valid as of 8/26/25
$500K term life policies
"$500K for as little as $11/mo" (Female - life insurance) - $10.94/month for a 10 year, $500,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 29-year-old female in Utah from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 9/19/25; $10.83/month for a 10 year, $500,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 26-year-old female in Texas from Legal & General of Fredericksburg, MD. Rate illustration valid as of 2/19/25
"$500K for as little as $16/mo" (Male - life insurance) - $15.94/month for a 10 year, $500,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 29-year-old male in South Carolina from Legal & General of Fredericksburg, MD. Rate illustration valid as of 7/28/25; $15.94/month for a 10 year, $500,000 term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 34-year-old male in Illinois from Legal & General of Fredericksburg, MD. Rate illustration valid as of 11/5/25
$1M term life policies
“Real users have gotten $1M in coverage for as little as $20 a month” (Female - life insurance) - $19.49/month for a 15 year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 33-year-old female in Massachusetts from Pacific Life Insurance Company. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 5/27/2025.
"Real users have gotten $1M in coverage for as little as $23.32 a month" (Female - life insurance) - $23.32/month for a 20 year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 27-year-old female in Ohio from Banner Life Insurance Company of Frederick, MD. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 5/2/2025
$1M coverage from $0.77/day or $23.32/mo or $276/yr (Female - life insurance) - Quotes for a 20-year, $1M term life insurance policy for a healthy, non-smoking, 30-year-old female in California from American General Life Insurance Company of Houston, TX. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 3/17/25.
I got $1M life insurance for $34/mo" (Male - life insurance) - $33.68/month for a 15 year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 40-year-old male in Washington from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 4/10/25.
Teddi Mellencamp Partnership - "Real customers who use Policygenius have gotten 1 million dollar life insurance policies for less than $61 a month (life insurance) - 60.61/month for a 20-year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 41-year-old male in New York from Corebridge Financial, Inc. Rate illustration valid as of 1/3/25. $45.07/month for a 20-year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 41-year-old female in California from Banner Life Insurance Company of Frederick, Maryland. Rate illustration valid as of 12/3/24. $59.06/month for a 20-year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 41-year-old female in New York from Pruco Life Insurance Company of New Jersey. Rate illustration valid as of 7/10/25. $56.10/month for a 20-year, $1M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 41-year-old male in California from Banner Life Insurance Company of Frederick, Maryland. Rate illustration valid as of 6/23/25.
$2M term life policies
"Real users have gotten $2M in coverage for as little as $53 a month" (Male - life insurance) - $49.15/month for a 15 year, $2M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 33-year-old male in Washington from Banner Life Insurance Company of Frederick, MD. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 5/20/2025.
$2M coverage from $1.71/day or $53/mo or $616/yr (Male - life insurance) - $616yr, $53/mo, $1.71/day for a 20-year, $2M term life insurance policy for a healthy, non-smoking, 30-year-old male in California from American General Life Insurance Company of Houston, TX. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 5/14/25.
$2M coverage from $1.31/day or $40/mo or $468/yr (Female -life insurance) - $468/yr, $40/mo, $1.31/day for a 20-year, $2M term life insurance policy for a healthy, non-smoking, 30-year-old female in California from Legal & General America of Frederick, MD. Availability of policies, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 5/13/25.
$3M term life policies
Real customers who use Policygenius have gotten 3 million dollar life insurance policies for just $64 a month (Male - life insurance) - $63.18/month for a 10 year, $3M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 39-year-old male in California from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 10/14/25; $48.36/month for a 10 year, $3M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 35-year-old male in Washington from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 2/6/25
Real customers who use Policygenius have gotten 3 million dollar life insurance policies for just $91 a month (Female - life insurance) - $90.65/month for a 10 year, $3M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 44-year-old female in Arizona from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 7/17/25.; $50.85/month for a 10 year, $3M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 33-year-old female in Georgia from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 5/23/25
$5M term life policies
Real customers who use Policygenius have gotten 5 million dollar life insurance policies for just $97 a month (Male - life insurance) - $96.63/month for a 10 year, $5M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 38-year-old male in Massachusetts from Corebridge Financial Inc of Houston, TX. Rate illustration valid as of 3/27/25; $76.05/month for a 10 year, $5M term life insurance policy for a Preferred Plus Non-Tobacco, non-smoking, 34-year-old male in Massachusetts from Pacific Life Insurance Company of Omaha, Nebraska. Rate illustration valid as of 10/22/25
Home & auto insurance
Auto coverage average of $1,281.18 per year/$106.76 per month/$24.63 per week: Averages based on premiums of all standalone auto insurance policies placed in force between June 1 and October 26, 2021 with policyholders aged 25+ across all U.S. states except California, Florida, and Louisiana. Premiums may vary based on eligibility, availability of products and discounts, and location.
Saved re-shoppers an average of $1,250/35% per year (home & auto insurance): Savings calculated by taking the average price savings of in-force Policygenius customers who shared a copy of their prior bundled home and auto coverage with Policygenius and used Policygenius to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.
Average savings of $435/yr (auto insurance): Savings are determined by calculating the average difference between the lowest and second lowest auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of 19%/yr (auto insurance): Savings are determined by dividing the lowest average and second lowest average auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of $350/yr (home insurance): Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of 30%/yr (home insurance): Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Saved re-shoppers an average of $455/17% per year (home insurance): Savings are calculated by taking the average price savings of in-force Policygenius customers who shared a copy of their prior home coverage with Policygenius and used Policygenius to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.
Our licenses/lines of authority
Businesses that give you advice and sell you insurance are required to be licensed by each state in which they operate. All solicitations to apply for insurance and applications for insurance are made through Policygenius LLC (f/k/a Policygenius Inc., f/k/a Knowitowl Inc.) (DBA Policygenius Insurance Services in CA), which holds the licenses listed below:
Alaska - 100117630
Alabama - 724000
Arkansas - 100127427
Arizona - 1800013442
California - 0I93311
Colorado - 454223
Connecticut - 2488472
DC - 3050774
Delaware - 1377047
Florida - L095311
Georgia - 183976
Hawaii - 16985969
Iowa - 1002222670
Idaho - 524527
Illinois - 100684999
Indiana - 1027997
Kansas - 16985969
Kentucky - DOI-874468
Louisiana - 652111
Massachusetts - 16985969
Maryland - 2165989
Maine - AGN248764
Michigan - 106376
Minnesota - 40425100
Missouri - 8346457
Mississippi - 15026069
Montana - 100137585
North Carolina - 1000429857
North Dakota - 2000142259
Nebraska - 100231719
New Hampshire - 2314516
New Jersey - 1549395
New Mexico - 1800011881
Nevada - 1029954
New York - BR-1804745, PC-1804745, LB-1804745, LA-1804745
Ohio - 1061649
Oklahoma - 100220408
Oregon - 100261214
Pennsylvania - 702705
Rhode Island - 2309464
South Carolina - 1910215962
South Dakota - 10018065
Tennessee - 2300359
Texas - 1913418, 1935848
Utah - 524526
Virginia - 136294
Vermont - 1027822
Washington - 886067
Wisconsin - 100190166
West Virginia - 100195451
Wyoming - 283894
How we make money
We’re an independent insurance broker, so we get paid a commission by insurance companies for each sale. Insurance commissions are already built into the price of an insurance policy, so you’re not paying any extra for working with us to buy a policy. Our compensation on any particular purchase may vary depending on a number of factors, including the type and size of product, the insurer, and the volume of business we have with an insurer, but we don't push for or give preference to any one insurer over another because of the commission. We're here to fight for you, not for ourselves. (Want to know what commission we'd earn on a specific insurance policy you see in our marketplace? Just ask!)
Featured carriers
Not all carriers/products featured on our site are available everywhere; your eligibility may depend upon your location and underwriting criteria.
We're not a law firm
Policygenius is not a law firm or tax advisor. We provide access to self-help services at your direction. We do not provide legal advice or representation. This service and our forms are provided for your personal use and are not a substitute for the advice or services of a qualified lawyer or tax consultant. Communications between you and Policygenius are governed by our Privacy Policy but are not protected by the attorney-client privilege. Your access to and use of Policygenius is subject to our Terms of Service.
Web accessibility
Policygenius is committed to providing equal access to our products and services to the broadest possible audience, regardless of technology or ability. To the best of our resources, Policygenius takes reasonable steps to design and develop our websites and other digital assets so that they are accessible to all.
If you cannot access content or use features on any Policygenius website or digital asset due to a disability, all of our services can be accessed by speaking with a licensed sales agent. Please email us at team@policygenius.com or call us at 855-695-2255 so that we may provide prompt service.
To enable us to respond in a manner most helpful to you, please provide the following information:
The nature of your accessibility problem
The preferred format in which you wish to receive the material
The web address or other location of the requested material
Your contact information
Security
Policygenius uses industry-standard tools and controls to keep customer data confidential and secure during transmission over the internet and when stored in our systems.
A.M. Best's Credit Ratings ™
Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports (which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.
Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Policygenius or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.
A Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/index.html.
Thank you!