The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site. Advertising Disclosure

Wyshbox Review 2023

Available in 34 states, Wyshbox offers term life insurance with coverage amounts ranging from $50,000 to $2.5 million. Adults aged 18 to 50 are eligible to apply for term life insurance from Wyshbox, but a Wyshbox policy can cover a policyholder until they reach age 65. Applicants can apply for Wyshbox term life insurance completely online; medical exams are never required for any applicant.

wyshbox logo Back to Top


  • Pricing remains the same for entirety of policyholder’s contract
  • 30-day, money-back guarantee
  • Customized coverage amounts calculated by customer “wyshes”
  • Apply for coverage in less than 10 minutes
  • No medical exam required

Why Wyshbox?

We love recommending Wyshbox life insurance because of Wyshbox’s unique approach to coverage customization and on-the-go policy adaptability.

New applicants don’t “sign up” for a Wyshbox policy, they create their own custom policy by entering their big “wyshes,” or coverage goals. Instead of picking an arbitrary coverage number, Wyshbox will ask you: “What do you want to protect?” Whether you want to finance your mortgage, pay for your kids’ higher education, or cover your funeral expenses, Wyshbox creates a customized policy based on your goals.

Wyshbox policyholders can alter their coverage details at any time, making it easy to always pay for the coverage you actually need. Newly married? Add your partner’s needs to your coverage plan. Kids just left the nest? Save money by taking your children off of your coverage plan.

Pros & Cons

Pros Cons
100% online application, with medical exams never required. Few reviews on Trustpilot.
Lower or raise coverage needs at any time.
Dedicated customer service team available by talk, text, or email.

Wyshbox Life Insurance Policies

Wyshbox keeps it simple by providing one, completely-customizable policy: Individual Term Life Insurance.

Individual Term Life Insurance

Wyshbox’s individual term life insurance policy is great for anyone, but we especially recommend it for adults in their 20s or 30s. Although many people can benefit from a Wyshbox’s policies, people will see the most benefit from the low locked-in pricing when they’re younger.

With Wyshbox insurance, if the policyholder dies during the contract’s term (which can be between 5 and 30 years), the policyholder’s friends and family members (called the “beneficiaries”) receive the coverage amount in a tax-free lump sum.

Wyshbox applicants can only insure themselves, meaning they cannot sign up a friend or family member.

What Does Life Insurance from Wyshbox Cover?

Wyshbox term life insurance covers a policyholder’s beneficiaries in the event of the policyholder’s death.

Although Wyshbox does not list the following exclusions on their website, these scenarios typically result in an annulment of a life insurance plan:

  • The policyholder dies by suicide.
  • The policyholder’s contract is marred by fraud or misrepresentation.
  • The policyholder’s death is a result of a crime.

Where is Wyshbox Available?

Wyshbox term life insurance policies are available in 34 states, excluding:

  • West: California, Washington
  • Southwest: Colorado, North Dakota, South Dakota
  • Northeast: Connecticut, Maine, New Hampshire, New Jersey, New York, Rhode Island
  • Southeast: Alabama, Florida, Mississippi, South Carolina

Available Riders

Wyshbox offers a rider called an Accelerated Death Benefit. It gives policyholders who are diagnosed with a terminal illness the ability to receive some of their coverage amount before they pass.

The Accelerated Death Benefit can help policyholders pay for end-of-life care, including medical treatments, hospital bills, and hospice care.

Additional Services

Wyshbox offers a variety of tools that make the life insurance application process simple, smooth, and fun. Here’s what to expect:

  • “Wysh” Customization System: With Wyshbox life insurance, there’s no need to guess at your coverage amount. With the Wysh System, applicants find out their coverage needs by entering the life goals they hope to protect. Paying off a mortgage? Count that as a wysh. Does your partner have student loans? Add that as well. After noting your wyshes, Wyshbox creates a custom-made policy that can protect all of life’s biggest goals.

  • Customer Service: Based in the US, Wyshbox’s customer service team can offer guidance and help to both new and returning customers alike. Policyholders can connect with the Wyshbox team via text, call, or email, making it easy to get help whenever you need it most.

  • Blog: Wyshbox’s website features an educational blog that is packed to the brim with need-to-know life insurance materials. Learn the difference between term vs whole life insurance, see how your coverage amount was calculated, and more all on the Wyshbox website.

  • App: Apply for coverage, update your coverage, and contact customer service all from your smartphone.

Customer Complaints and Satisfaction

Wyshbox has a 4.1 rating on Trustpilot (considered “Great”), and a 4.8 rating on the Apple store.

Wyshbox is a younger company, established in 2021. As such, it doesn’t have as many ratings as some of the other companies on our list. That said, the positive reviews that do have cite an easy application and helpful customer service as Wyshbox's best features.

How Much Does Wyshbox Life Insurance Cost?

Life insurance premium prices are calculated using the personal information of each applicant, including details such as location, age, employment status, birth gender, health quality, and other factors.

The following sample prices assume the applicant lives in Illinois, has “Excellent” health, and has a full-time position.

$500,000 Coverage

Age Amount Policy Female Male Medical Exam Required
35 $500,000 20-year term $19.00/mo. $28.00/mo. No
40 $500,000 20-year term $37.00/mo. $40.00/mo. No
45 $500,000 20-year term $38.00/mo. $54.00/mo. No
50 $500,000 15-year term $39.00/mo. $53.00/mo. No

$1,000,000 Coverage

Age Amount Policy Female Male Medical Exam Required
35 $1,000,000 20-year term $38.00/mo. $55.00/mo. No
40 $1,000,000 20-year term $71.00/mo. $76.00/mo. No
45 $1,000,000 20-year term $71.00/mo. $101.00/mo. No
50 $1,000,000 15-year term $75.00/mo. $102.00/mo. No

For the most accurate pricing for your unique needs, we recommend you get a quote directly from the Wyshbox website.

How to Buy Life Insurance From Wyshbox

Wyshbox applicants can apply in a few simple steps:

  1. Build a free, customized quote by noting your financial goal “wyshes” (or simply include the coverage amount you’d like).
  2. After receiving an estimate, answer a few additional questions to formally apply.
  3. Wait for your response from Wyshbox, which usually only takes 10 minutes.
  4. If approved, activate your coverage!

Wyshbox FAQs

Who owns Wyshbox?

Wyshbox is a subsidiary of Northwestern Mutual.

Can you get life insurance without a medical exam?

Yes! Wyshbox never requires applicants to get a medical exam; applicants can apply completely online.

How long does term life insurance last?

Wyshbox term life insurance can last up to 30 years, or until a policyholder turns 65.

Bottom Line

We highly recommend Wyshbox to younger applicants in search of term life insurance due to its price lock and adaptability. Younger customers can lock in an unchanging, low premium price for the life of their contract, with the option to raise or lower their coverage amount in the future as their circumstances change.

If you’re looking for flexible life insurance, Wyshbox has the customizable policies you’re looking for.

Frequently Asked Questions (FAQ)

To find a life insurance provider that works well with your needs, try to focus predominantly on your budget. How much coverage are you looking for? What is your monthly budget for premium payments? After asking yourself questions like these, request quotes from the providers in our list. Quotes are typically free, so you can directly compare one provider’s pricing and coverage with another’s.
Life insurance can matter in your 20s or 30s depending on two variables: the debts you owe and the people who depend on your income. Let’s provide two examples. Debt can fall onto loved ones from even an early age, as with students who have a parent co-sign on a student loan. In the event of the student’s death, the student loan debt would pass onto their parent. If a couple purchases a property, both partners may depend on each other’s combined income to pay off the mortgage.
Most employer-funded life insurance policies only cover 1x–2x an employee’s annual salary. For individuals who help fund others’ standard of living, this benefit amount is simply not enough to protect loved ones. Additionally, a life insurance policy is typically voided if the employee is fired or quits, making this life insurance policy much more fragile than a third-party life insurance policy.
Whatever your beneficiaries want. Beneficiaries will commonly use life insurance payouts to continue to pay off a mortgage, pay for education, or pay everyday living expenses.