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 4.4
Year Founded 2021
Medical Exam Required? No

Wysh 2024 Review

Kimberlee Leonard

Insurance and Financial Services Professional

Wysh screen shot

Wyshbox is a leading online life insurance carrier that revolutionizes the insurance industry by eliminating the requirement for a life insurance exam. Specializing in term life insurance, Wyshbox also provides accidental death insurance in 11 states. By streamlining the process, Wyshbox ensures that consumers can swiftly and effortlessly obtain the coverage they require, all while maintaining an affordable policy. Experience the convenience and efficiency of Wyshbox as it simplifies the life insurance journey, allowing you to secure the protection you need without the hassle of a medical exam.

What is Term Life Insurance?


Term life insurance provides coverage for a specific duration, known as the term, which can range from five to thirty years. During this period, policyholders enjoy the benefits of the coverage. However, once the term expires, the coverage also ends. Compared to permanent life insurance, term life insurance is a more cost-effective option. While term life insurance is limited to the specified term, permanent life insurance remains in effect throughout the policyholder's lifetime, as long as premiums are paid. By understanding the distinctions between term and permanent life insurance, individuals can make informed decisions based on their financial goals and needs.

Why Wyshbox?

Wyshbox stands out as an exceptional choice for term life insurance due to its streamlined and user-friendly approach. With Wyshbox, obtaining a life insurance policy is a breeze. One notable feature is the ability to customize the term length according to your specific needs. Getting a quote is quick and easy, taking just minutes of your time. Converting the quote into a complete application requires only a few additional minutes. The best part is that Wyshbox eliminates the need for a medical exam, allowing consumers to secure the necessary coverage without the hassles or worries typically associated with medical exams. Experience the convenience and efficiency of Wyshbox as you navigate the process of obtaining term life insurance.

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 presents affordable term life insurance solutions starting at a budget-friendly price of $9 per month. With a focus solely on term life insurance, Wyshbox adopts a straightforward business model, making it easy for consumers to comprehend and obtain the policy that suits their requirements. By prioritizing simplicity and affordability, Wyshbox ensures that individuals can access the necessary life insurance coverage without unnecessary complexities.

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 37 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

In conclusion, the Wyshbox Life Insurance review highlights the exceptional features and benefits offered by this insurance provider. With its comprehensive coverage options, competitive rates, and stellar customer service, Wyshbox stands out as a top choice for individuals seeking reliable life insurance coverage. Whether you're looking for term life insurance, whole life insurance, or any other life insurance product, Wyshbox has you covered. Trust in Wyshbox for your life insurance needs and experience the peace of mind that comes with comprehensive protection.

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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