Products, rates, and availability vary by state and eligibility, and may depend on your truthful answers to a health questionnaire. Rates shown are illustrative and not guaranteed. Insurance is provided by third-party carriers. Images may include models and are for illustrative purposes only. Policygenius does not provide legal, tax, or investment advice. 

No-exam/accelerated underwriting coverage: Issuance of a term life insurance policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire.

Curious about other prices or claims in our ads? Additional details are available on our Disclosures page.

Marketing disclosures

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Yes, we have to include some legalese down here. Policygenius LLC (DBA Policygenius Services LLC in NY; DBA Policygenius Insurance Services in California) (“Policygenius”), a Delaware corporation with its principal place of business in New York, New York, is a licensed independent insurance broker. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

If you are using a screen reader and are having problems using this website, please call 1-855-695-2255 for assistance.

Images appearing on this website may be generated through artificial intelligence. Any persons, likenesses, or scenarios depicted are fictional and are not intended to represent real individuals, living or deceased.

Copyright Policygenius © 2014-2026 | All Rights Reserved.

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Humans helping humans. 

Policygenius provides free quotes tailored to your needs with support from licensed agents, helping you get insurance coverage fast so you can get on with life.

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Very good experience

They found a great rate that I could afford and explained everything clearly.

Glen · March 20
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Great agent - thank you!

I had a pleasure of speaking to an agent named Courtney Roy - he was very well experienced and helped a lot to guide me...

Eri Mo · December 04
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The only way to shop for Life Insurance

Beautiful. Easy to use. Did all the heavy lifting from end to end and made the decisions easy for us.

Carlos Avila, · March 19
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Policygenius is the way to go!

Policygenius made the process of buying life insurance incredibly easy. No high pressure tactics and no slick sales pitches.

Aaron W · February 20
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It was a pleasure talking to Jonathan…

It was a pleasure talking to Jonathan Duong! He took his time and explained to me in-detail ...

Sandra V · June 12
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Courtney was amazing

Courtney was very helpful and attentive. He went the extra mile to take his time out to assist.

Allyson Wetzel · May 14
5 out of 5 star rating on Trustpilot
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Best Life Insurance Policy

Their pricing is fair and reasonable...

Reginald · November 08
5 out of 5 star rating on Trustpilot
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Excellent Customer Experience

What an absolute pleasure! I worked with Courtney to apply for life insurance. The process was smooth ...

Heather D · March 03
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Courtney was awesome! …

Courtney was an absolute pleasure to work with. Very friendly, informative, great laugh, and just fun to talk to.

Jsy · February 26
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Courtney was great.

Courtney was easy to understand and very positive and personable going through the questions.

James D · February 22
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Easier than I expected!

I didn't know what to expect when I engaged Policygenius, but I am pleasantly surprised at the outcome and services they provided.

Kathy · March 06
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Friendly, Informative and Fast

Friendly, informative and fast!

Grant · March 06
5 out of 5 star rating on Trustpilot
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Easy, fast, reliable!

I couldn’t believe how quickly and easy I was able to get connected with a great option and move forward with our life insurance.

Kayla · March 06
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Highly recommend this company

The customer service at policy genius is top notch. They answered every question I had quickly ...

Wayne Blanton · February 28
5 out of 5 star rating on Trustpilot
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Great customer service

Experience was great and the rep was very flexible. I wasn't able to review the policies sent and setup a call ...

Dan McFadden · February 28
5 out of 5 star rating on Trustpilot
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If you want to save money , this is for you.

My local insurance agent , who we had been with for over 20 years had not contacted us in the last 18 years ...

Earl · February 24
5 out of 5 star rating on Trustpilot
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Excellent, efficient service and the best price!

I had been shopping for affordable life insurance without much luck when I decided to give Policygenious a try.

James C · February 21
5 out of 5 star rating on Trustpilot
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Easy to work with

I was looking for a term life policy to cover my family in case the worst happened to me.

Akhil · March 24
Rated 4.6 / 5 based on 5,915 reviews · Trustpilot
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Explore our content to get started on your life insurance journey.

Not sure where to start? 

What is life insurance?

Life insurance is an agreement between you and an insurance company that can pay out if you die while the policy is in force.

Read More

Who is it for?

People who have others depending on their income or financial contributions are good candidates for life insurance.

Read More

What does it cover?

Life insurance can cover most causes of death, with a few exceptions — and your beneficiaries can use the payout to cover anything they need.

Read More
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Policygenius provides free quotes tailored to your needs with support from licensed agents, helping you get insurance coverage fast so you can get on with life.