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The Services The Services include our Personal Insurance Checkup, which consists of content, tools, links and recommendations intended to provide you with decision support related to insurance. All information provided to you through your use of this Service is provided for general informational and educational purposes.
The Services may also include our preparation of quotes and brokering and transacting of sales to you of third-party insurance products. We are a licensed independent insurance broker. We do not underwrite any insurance policy made available to you through the Services. Any insurance policy premium quotes or ranges displayed on the site or through the Services are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the site are only available in the jurisdictions in which we are properly licensed.
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THE RESULTS OF THE PERSONAL INSURANCE CHECKUP ARE BASED ON PRELIMINARY DATA PROVIDED BY YOU AND RECEIVED BY US. THE RESULTS ARE PROVIDED FOR YOUR PERSONAL INFORMATION AND EDUCATION ONLY AND ARE NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL ADVICE. YOUR INSURANCE NEEDS MAY DIFFER FROM WHAT IS DESCRIBED IN THE PERSONAL INSURANCE CHECKUP RESULTS, DEPENDING ON DETAILS WE DID NOT CAPTURE IN OUR PERSONAL INSURANCE CHECKUP QUESTIONNAIRE (INCLUDING, BUT NOT LIMITED TO, THE AMOUNT OF YOUR DEDUCTIBLES, THE TERMS OF YOUR EMPLOYER-PROVIDED INSURANCE COVERAGE, THE IDENTITY OF YOUR INSURANCE CARRIERS, AND YOUR HEALTH HISTORY). THE PERSONAL INSURANCE CHECKUP RESULTS SHOULD NOT BE INTERPRETED AS FINANCIAL ADVICE, OR AS A RECOMMENDATION TO BUY OR FOREGO ANY INSURANCE PRODUCT, WITHOUT DOING FURTHER RESEARCH ON YOUR OWN OR WITH A FINANCIAL PROFESSIONAL. ALTHOUGH WE USE COMMERCIALLY REASONABLE EFFORTS TO ENSURE THAT THE RESULTS OF THE PERSONAL INSURANCE CHECKUP ARE ACCURATE, NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, IS GIVEN WITH RESPECT TO THEIR ACCURACY OR WITH RESPECT TO THE ACCURACY OF ANY OTHER CONTENT.
ANY AND ALL INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD-PARTY PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE INSURANCE CARRIER PROVIDING SUCH PRODUCTS. ANY AND ALL QUESTIONS, CONCERNS OR DISPUTES WITH ANY SUCH PRODUCTS SHOULD BE RAISED WITH THE INSURANCE CARRIER PROVIDING SUCH PRODUCTS AND NOT WITH US.
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Policygenius Inc. We are licensed in all 50 states in the United States of America and the District of Columbia (see our full list of licenses here).
Rates and savings are non-binding, subject to change, and based on a hypothetical customer that may not apply to you. Your specific rate and savings will vary based on individual circumstances, including age, gender, height, weight, health, location, issuing insurer, coverage amount, time of purchase, and other factors. Coverage and rates are subject to verification and underwriting approval by the issuing insurer.
$500,000 Quote Disclosure for $18/mo (age 35): Rates are calculated for a 35-year old female non-smoker in California, who qualifies for a preferred best rate class, obtaining a 20-year, $500,000 term life insurance policy. This insured would pay $18 per month for this policy. Individual rate will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 5/8/2019.
$1,000,000 Quote Disclosure for $35/mo (age 35): Rates are calculated for a 35-year old male non-smoker in California, who qualifies for a preferred best rate class, obtaining a 20-year, $1,000,000 term life insurance policy. This insured would pay $35 per month for this policy. Individual rate will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 5/8/2019.
You could save up to $1500 per year: Potential savings calculated by taking the average difference between the highest and lowest first online viewed quotes (term life) for every in-force customer as of August 9, 2019 who viewed quotes online and had received at least 2 quotes. Potential savings are based on a composite of multiple different contracts and insurers, each holding an A.M. Best Rating of at least A-. Not all policies in this calculation are available in all states. Savings may vary by term, policy amount, health class and state.
We've saved our customers $690/yr on home and auto insurance: Savings figure represents the average price savings by customers who shared a copy of their prior home or bundled home and auto coverage with Policygenius and used Policygenius to switch to a comparable policy with a different insurer between 7/25/19 and 8/20/19. Calculation is based on a composite of multiple different coverage amounts, contracts and insurers. Not all policies in this calculation are available in all states. Your savings may vary.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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