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Why Policygenius?


What is Policygenius?

We make it easy to compare and buy insurance.

Whether you’re protecting your family, yourself or your stuff, we’ve got you covered.


1 million

Shoppers per month
We help shoppers across all 50 states with their insurance needs.

$45 billion

In placed coverage
We’ve protected tens of thousands of families at a price they can afford.

9.7 out of 10

Customer rating
We pride ourselves on the level of customer service we provide.


2018 Inc. Best Places to Work
We deliver an exceptional work culture for our employees.

Unbiased advice. Unbeatable prices.

1. How does Policygenius make money?



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.

2. How is Policygenius different from other life 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 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.

3. Shouldn't I try more than one comparison site?



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.

4. Are the life insurance quotes on the Policygenius site accurate?



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.

5. Shouldn't I buy directly from a life insurance company?



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.

Millions of people have shopped with Policygenius—and they liked it.


"Policygenius offers some good educational tools for people who want to buy a policy on their own."

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".. the site is offering personalized, immediate insurance quotes, as well as detailed data on how coverage in any given plan works."

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"The site couldn’t be easier to use and if you’re not sure how much insurance you need, there are wizards that will suggest coverage amounts."

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"Policygenius...is chasing the kind of customer who would rather fill out a detailed profile on a website than open up to a total stranger."

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