| 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. |
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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.
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 |
|---|---|
| 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 keeps it simple by providing one, completely-customizable policy: 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.
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:
Wyshbox term life insurance policies are available in 34 states, excluding:
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.
Wyshbox offers a variety of tools that make the life insurance application process simple, smooth, and fun. Here’s what to expect:
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.
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.
Wyshbox applicants can apply in a few simple steps:
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.
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.
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