Wyshbox is an online life insurance carrier that bypasses the need to get a life insurance exam. Learn more here.

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InsuranceRanked Score 4.83
Year Founded 2021
Medical Exam Required? No

Wyshbox 2023 Review

Kimberlee Leonard

Insurance and Financial Services Professional

Wyshbox screen shot

Wyshbox is an online life insurance carrier that bypasses the need to get a life insurance exam. It sells term life insurance and offers accidental death insurance in 11 states. This makes it faster and easier for consumers to get the coverage that they need with a policy they can afford.

What is term life insurance?

Term life insurance is a type of life insurance that is only good for a specific period of time, known as a term. The term may be five, ten, fifteen, twenty, or thirty years. Coverage is only offered during the term and ends when the term expires. Term life insurance is a less expensive option than permanent life insurance, which stays in place for the policyholder’s lifetime as long as premiums are paid.

Why Wyshbox?

Wyshbox is an excellent term life insurance option because it makes it easy to get a life insurance policy. It offers completely customizable term lengths, and it takes just minutes to get a quote that you can turn into a complete application with just a few more minutes. Because no medical exam is needed, consumers can get the required coverage without the hassles or concerns that a medical exam introduces.

Pros of Wyshbox

  • No medical exam needed: Get coverage without a required medical exam, making it easier for more people to get life insurance.
  • Quote builder: Allows consumers to customize policies to tailor them to their needs.
  • Fast coverage: Consumers can get coverage within minutes, putting life insurance in place directly from the online application.

Cons of Wyshbox

  • Must create an account to get an exact quote: You can get an estimate with Wyshbox anonymously but need to create an account to file an application and see what the exact quote will be.

Wyshbox summary

Wyshbox offers term life insurance options for consumers that cost as little as $9 per month. It only sells term life insurance, keeping the business model simple for consumers to understand and get the policy that they need.

Coverage type

Wyshbox offers term life insurance. If you don't qualify for term life, you qualify for accidental death in these 11 states (AZ, GA, IL, PA, TX, WI, MI, LA, AR, TN, AK).

Customization of policies

You can customize the duration of the term policy with the quote builder Wyshbox uses. For those who are older, you may be limited to the total time you can buy a term policy for.

Online experience

Getting an estimate is easy. However, it is just an estimate. To get a firm quote, you need to complete an application. We did this and were instructed that Wyshbox could not give us a firm quote at the end of the process, that the application needed to be reviewed by an underwriter. This is a 48-hour delay, according to the notice, which can frustrate someone seeking a policy faster.

How much life insurance do I need?

How much life insurance a person needs is unique. Some people seek to cover major debts like mortgages and student loans, while others seek to get so many years of their income replaced. Yet others want a combination of the two to maximize protection for their family in the event that they pass away unexpectedly.

Unique plans for your unique life

Wyshbox tailors plans to meet your unique needs. You can get the coverage amount you want for the duration of time that you need.

Do you need a medical exam?

Wyshbox doesn’t require a medical exam to get life insurance. It does, however, walk you through a complete medical history questionnaire in the application. This is the data the Wyshbox needs to correctly price your policy. Lying on the application can lead to a denied claim due to undisclosed medical history.

Who Can Benefit From Wyshbox?

Consumers looking for life insurance without the hassle of a medical exam can benefit from Wyshbox. Those who will have the best experience with Wyshbox are younger individuals who are in good health, as Wyshbox only offers insurance to those aged 18 through 50. You can get a maximum of $2.5 million in term life insurance. Those meeting this requirement will have the easiest time getting through the medical questions and have the most options when it comes to term durations.

Best for: People with growing families

Wyshbox is best for people with growing families who have a growing need for life insurance. When you have children, you start to reevaluate what your life insurance needs are. You may need more coverage to pay for your kid’s college, weddings, and lost income. Because Wyshbox can be done within a few minutes, you can quickly add coverage to your life insurance portfolio without any hassles.

How much does Wyshbox life insurance cost

Life insurance policy costs will depend on your age, biological sex, and health history. Wyshbox offers rates for as little as $9 per month. This is for a younger, healthy individual who seeks term life insurance.

States where Wyshbox is available

Wyshbox is not available in all states. It offers term life in 34 states and accidental death in 11 of those states.

How Wyshbox stacks up against selected competitors

There are many life insurance carriers on the market that offer term life insurance. Companies like Ethos strive to do the same thing Wyshbox does – offer term life insurance online without a medical exam. Wyshbox remains competitive among these carriers. More established carriers are now offering no medical exam policies to be more competitive in the market. While these policies are available among established carriers such as State Farm and New York Life, they can be more expensive since the policies are sold by agents and not online. We feel Wyshbox is a good value for the product.

Application Process

Wyshbox makes applying for life insurance easy. It takes just a couple of minutes to get a quote, followed by a medical questionnaire that is easy to understand and complete.


Enter key data about yourself to start the quote process.


Use the calculator to help you decide how much coverage to apply for.


Get the quote and start the application process.

Policy Types and Terms

Wyshbox keeps options simple so that it can offer solutions to consumers directly online. It has term life insurance available for those aged 18-50 for policies ranging from $50,000 to $2.5 million.

Help & Support

Wyshbox works hard to make much of its application and servicing online. Customers who need service are walked through an email form to get support. Wyshbox then emails back with the answer and help. This is the same process for filing a claim.

Bottom Line

Consumers who are looking for a fast and reliable way to get their life insurance needs fulfilled should consider Wyshbox. The company is highly rated and does a good job for young people.

Frequently Asked Questions

How safe is it to use Wyshbox?

Wyshbox gets an A- rating from AM Best. This favorable rating suggests that the company has the solvency to pay claims as contractually obligated to.

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