Term life insurance reimagined

Get fast and flexible term life insurance online today–tailored just for you!

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A family of four spending time together and enjoying Wysh term life insurance coverage.
Term Lengths
Coverage Amounts
Eligible for Ages
Years Old

See what makes Wysh different

Let’s Start with the basics:

What is term life insurance?

Term life insurance protects your family should you pass away. Basically, It's an agreement between you and the insurance company to provide coverage during a certain period of time, say from post-college to retirement.

Coverage for a specified number of years.
Loved ones, or beneficiaries, get a death benefit.
Typically less expensive than  whole life insurance.

Why Wysh?

Not everyone is a one-size-fits-all customer. Wysh lets you decide what you want to put aside for your family with flexible, fast, and easy plans that you can tailor to your specific needs!

Flexible plans

you can tailor and personalize with Wyshes.

Calculate your coverage

needs with our Wysh Builder tool.

No medical exam required

just a few health questions.

Customer support

that works with you and your family.

How much life insurance do I need?

Wyshes are your financial goals and responsibilities. You can use them to create a hyper personalized policy which would cover and protect who and what’s most important to you.

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A policyholder calculates how much life insurance they need for funeral expenses, their kid's college tuition, and the mortgage.
Wysh’s life insurance calculator and adjustable term meter to help find the best life insurance policy.

Get personalized coverage with our life insurance calculator

Our Wysh Builder tool is a free calculator to help you identify your coverage needs. Then, you can build a policy by calculating the precise amount of protection you want.

Unique plans for your unique life

You’re paying for what you need with no extra costs or fees.

alice, 24 y/o
$122,000 Total Coverage
2 Wyshes
A graduation cap to represent a Wysh to pay off college tuition.A credit card to represent a Wysh to pay off credit card debt.
Steve, 29 y/o
$150,000 Total Coverage
4 Wyshes
Two rings to represent a Wysh to  cover a wedding gift.A car to represent a Wysh to pay car payments.A house key to represent a Wysh to pay rent.A stethoscope to represent a Wysh to pay off hospital bills.
joon, 34 y/o
$326,000 Total Coverage
5 Wyshes
A gradation cap and toy block to represent a Wysh to pay for kids' college tuition.A heart as a gift to represent a Wysh to cover a charity donation.A graduation cap to represent a Wysh to pay off college tuition.Two rings to represent a Wysh to  cover a wedding gift.A credit card to represent a Wysh to pay off credit card debt.
DANNY, 40 y/o
$554,000 Total Coverage
5 Wyshes
A flower to represent a Wysh to pay for funeral costs.A dog bone to represent a Wysh to  cover pets.A stethoscope to represent a Wysh to pay off hospital bills.A kiddie pony ride to represent a Wysh to cover children.Two mugs to represent a Wysh to cover a partner.
Based on a 20-year term in the preferred plus health class
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Life insurance with no medical exam? Yep!

Apply for term life insurance online by answering a few quick questions. We’ll use the data to help determine your eligibility.

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A person gets approved for Wysh term life insurance on their phone with no medical exam needed and accelerated underwriting.
A woman talking to Wysh customer support on the phone getting answers to life insurance questions online.

Life insurance online made easy

Our customer service team, AKA Wysh Granters, can help you get online coverage in just a few clicks—from the application, to education about underwriting, to answering any question you may have.

Join the growing number of customers who entrust us with their financial protection

Take a look at what our customers are saying.

Read all Trustpilot reviews
Convenient and great prices
Purchasing life insurance through Wysh was a simple and easy process. They offer competitive prices for monthly insurance premiums compared to most other companies. I would recommend this company to friends and family.
Trustpilot Verified Review

Check out our FAQs

We’ve eliminated all the industry mumbo jumbo to answer your most burning questions.

What kind of life insurance does Wysh offer?

We offer term life insurance that’s tailored to you. Our min coverage is $50,000 and our max is $2,500,000.

What is unique about a Wysh policy?

We offer hyper-personalized term life insurance memberships that give you the exact coverage you need—no more, no less (thanks to our FREE Wysh Builder tool). Signing up is 100% digital, and membership starts as low as $4.57 a month! We also allow our members to automatically lower their coverage (& cost!) if their protection needs decrease over time.

Can I cancel at any time?

Yep, take us for a month-long test drive! If you cancel within the first 30 days, you’ll get a full refund. Plus, you can manage your plan directly from your account settings.

In what states do you currently sell insurance?

We currently offer life insurance in the following states:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Lousiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
How much coverage do I need

Our Wysh Builder tool lets you quickly figure out what Wyshes, or financial responsibilities and desires you have in life, which you’d want covered if you were to die.

Learn more

What info do I need to apply for a policy?

There's a very good chance that you already know everything we'll ask off the top of your head. But if not, we suggest you come prepared with the following info to save yourself some time: Basic personal info like: medical history, family medical history, basic driving history and Social Security Number (or Tax ID).

1 - Available minimum and maximum term length and coverage amount may vary based on state and date of issuance of policy