We get paid a commission by the life insurance company when we help you find a life insurance policy, submit an application, and get approved. Commissions are already priced into the cost of life insurance - so you're not paying extra to work with us (or any agent or broker). Our commissions are similar across the life insurers we work with, so we never play favorites.
We’ve set a high bar to make Policygenius the only insurance site you’ll need. That means we:
- Offer all the top life insurance companies so you don’t have to shop elsewhere
- Provide the most accurate online quotes, without requiring any contact info from you
- Explain what you need to know in plain English so you don't have to research elsewhere
- Don't sell your info off to life insurance agents as a "lead." Our team is with you from start to finish.
- If the insurer approves your application at a different rate than what we quoted, we'll shop your offer around to see if another life insurer can beat it.
All this service at no extra cost to you.
You can, but we've worked hard to offer the easiest life insurance shopping experience you'll find online. We offer the widest selection of A-rated life insurance companies so that you can find the right policy for you.
Also, any policy you see on our site won't be any cheaper at another comparison site. That's because each life insurance company files its rates with state regulators, and everyone is required to show those filed rates. And if you see the same policy for a cheaper rate on another site - make sure you're comparing apples to apples. Is it for the same amount and term? Did the other site ask detailed health questions to make sure they can accurately quote you? We do that but not every site does.
We stand by our promise - so we make it easy to save your quotes with us (and email them to yourself) to keep shopping. And when you're ready to buy, we hope you'll come back to us.
We like to say we're in the business of no surprises. Our life insurance quotes are the most accurate available online today. Other sites take your basic information and show you the best health class and price. That's not the right way to quote. We collect more health information upfront to show the most accurate quotes possible (as long as you give us accurate information).
If the price on our site is higher than you're seeing elsewhere, for the same policy, that site may not be showing you an accurate quote. Over 80% of policies we sell are within $10 of what we quoted online.
If our site can't instantly quote you (which happens when someone has a more complicated health history), one of our licensed advisors can custom quote you.
There's no reason to (and a very big reason not to).
First: you don't save any money by buying directly from the life insurance company. By law, the price you get from a given life insurance company is the same through them, or through an agent or broker.
Second: the rate you get quoted may not be the rate you're approved at. Life insurance companies do a process called 'underwriting' in which they look at your health history and risk profile to determine whether the rate they quoted is actually accurate. If you apply with the life insurance company directly, and you're approved at a different rate, you're stuck. They won't help you figure out if you can get a better offer elsewhere. If you apply through Policygenius, we'll shop that offer around to every life insurance company we work with to see if they can beat it. No extra work for you and no extra cost.