Cost & Coverage
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Policygenius offers editorially independent reviews of life insurance carriers. Look what we take into account to help you make the right choice.
Policygenius provides in-depth reviews on the life insurance companies we work with to help you find the right option:
We rate each carrier in five different categories on a scale of 1 (lowest) to 10 (highest). These individual category scores are averaged for a final overall rating out of 10.
The categories are:
Average monthly premium cost for a predetermined applicant profile and common health conditions.
The factors we look at for our cost score include:
Consumer confidence based on scores from major financial rating institutions.
The factors we look at for our confidence score include:
These company ratings are normalized and scored out of 10.
Satisfaction from consumer sentiment institutions and complaints to state insurance boards.
The factors we look at for our customer rating score include:
Availability of such options as term length and rider availability.
The factors we look at for our policy option score include:
Ease of use, convenience, online tools, and availability.
The factors we look at for our customer experience score include:
Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
Security you can trust
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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