Wyshbox Life Insurance Review 2024: Adjustable Coverage For Life Changes

Amanda Hester

Wyshbox Life Insurance offers personalized policies where you can customize your coverage to your needs at any stage of your life. Starting from $9 a month, you can obtain coverage that provides some financial security for your loved ones. When the death benefit is paid out, they can use it to pay for student loans, grief counseling, paying off a mortgage, debts, and much more.

Overall rating


Summary: Wyshbox provides instant life insurance coverage starting from $9 per month. Their flexible policies allow you to customize and adapt your coverage needs as life changes. 

Wyshbox Life Insurance

wyshbox life insurance logo


Coverage Up To

Not Required

Medical Exam



Policy Application


Fees, Coverage & Policies




Claim Support


Customer Service


Sae & Secure


  • Easy sign-up process 
  • No medical exams required 
  • Flexible policies 
  • Wysh granters 
  • Customizable Wyshes 
  • Cancel anytime


  • Issue age 18 – 50 
  • Serious existing health conditions not covered

Best For

  • Online life insurance policies 
  • Personalized policies 
  • Starting from $9 per month 
  • Wysh tracking


HQMilwaukee, Wisconsin
PolicyTerm life insurance
Coverage$50,000 – $2,500,000
Term Length2 – 35 years (up to age 65)
Medical ExamNot required
Issue Age18 to 50 years
Restricted StatesNot available in AL, CA, CO, CT, FL, KY, MS, ME, NH, NJ, NY, ND, RI, SC, SD, VT, WA 

In depth review on Wyshbox Life Insurance 

Wyshbox was founded on the mission to simplify life insurance, so you can have the confidence and peace of mind that your loved one’s needs are taken care of after you pass. 

You can obtain instant coverage when you apply online, starting for just $9 per month with $155,000 of coverage. Medical exams are not required and policies are flexible according to your needs.  

Wyshbox Life Insurance is best for 

  • Online life insurance policies: Take out and manage your policy 100% online. 
  • Personalized policies: With Wyshbox, you can customize your life insurance policy according to your unique needs.  
  • Starting from $9 per month: You can get instant coverage for just $9 per month.  
  • Wysh tracking: As you pay down your debts including your mortgage or student loans, using Wysh Tracking, you can view the updated amount that is outstanding. This allows you to allocate coverage to other Wyshes or lower your coverage needs which could save you money on your premium.  

Wyshbox Life Insurance benefits  

  • Easy sign-up process: You can get instant coverage in under 9 minutes.  
  • No medical exams required: There is no need for a medical exam and you can get a quote with no commitments. 
  • Flexible policies: You can adjust or extend your coverage at any time according to your needs as your life changes.  
  • Wysh Granters: Instead of your family needing to track down banks, Wysh Granters will assist you in helping the claims process go smoothly. 
  • Customizable Wyshes: Choose from a range of customizable Wyshes that can cover mortgages, credit cards, student loans, car payments, kid’s college, kid’s care, partner’s care, parent’s care, pet’s care, plant’s care, rent, funeral expenses, medical bills, sending ashes to space, wedding fund, cash gift, savings fund, charitable giving, and any custom legacies or loose ends.  
  • Cancel anytime: You can cancel your plan anytime and receive a 100% refund when you cancel within the first 30 days.  

Wyshbox Life Insurance drawbacks  

  • Issue age 18 – 50: You can only take a policy out between the ages of 18 – 50, however, policies can cover you up to age 65. After the age of 65, your policy will expire and you will no longer be insured under your term life insurance policy. 
  • Serious pre-existing health conditions not covered: There are several reasons why your policy application may get rejected. Some of these include serious pre-existing health conditions, history of drug and alcohol abuse, bad driving history, and etc.

Policy application 


You can get instant coverage online in less than 10 minutes. To get started, you’ll need to do the following: 

  • Fill out an online application and answer a few questions to help customize your policy. 
  • Use the Wysh Builder to choose Wyshes. This can include covering your mortgage, debt, car payment, kid’s college, pet care, medical bills, wedding bills, cash gifts, and much more! 
  • If you’re not ready for customized coverage, you can choose one of the ready-made packages.  
  • Get an estimate of your term life insurance quote.  
  • Review the policy. Agree and pay online.  

Questions during the application process may include: 

  • Have you used tobacco or nicotine products in the past 3 years? 
  • How healthy would you say you are? Choose from average, good, and excellent.  

You can cancel or customize your policy anytime. To pay online, you can set up an automatic billing option using your credit card or link to a bank account. You’ll be charged monthly.  

Fees, coverage, and policies


Wyshbox offers term life insurance where if you die during the term, your beneficiaries will receive a death benefit. The term is how long you will be covered under the policy.  

Policies start from $9 per month for $155,000 of coverage. Coverage levels increase as your premium increases. For $18 per month, coverage can increase to $759,000 and for $30 per month, coverage can increase to $1,300,000. The maximum coverage you can receive is $2.5 million up to age 65.  

Factors that determine the premium include: 

  • Coverage or death benefit: The more extensive your coverage, the higher your premium.  
  • The term length: Your policy premium will be adjusted according to the term length. 
  • Your risk class: During the application process, you’ll need to answer a series of questions that will determine your risk class. The more at-risk you are deemed to be, the higher your insurance policy.  
  • Smoking and tobacco use: You can expect your premium to be higher if you have used tobacco or nicotine products in the past 3 years. This is due to an increased risk of health conditions. 

Medical exams are not required to take out a policy.  

Wyshbox has one policy exclusion, suicide. If suicide occurs within 2 years, your premiums are returned (to the beneficiaries), but after 2 years, the death benefit is paid.

Before you take out a term life insurance policy, it’s important to read the terms and conditions, so you fully understand coverage levels and exclusions. 



There are a limited number of riders available with Wyshbox. However, you might find these two extras useful. 

  • Accelerated death benefit add-on: If you are diagnosed with a terminal illness, you can receive a payout early to help your loved ones get their finances in order.
  • Wellness add-on: You can receive wellness benefits, such as goods, products, and/or services to help manage your health, financial needs, legal needs, or insurance needs. 

Claim support 


Wyshbox aims to make the claims process as fast and helpful as possible. If your beneficiaries need to file a claim, they will need to follow the below process: 

  • Get in touch with Wyshbox and let them know who has passed. 
  • Submit documentation
  • Let Wysh Granters handle the rest 

The following information might be required during the process: 

  • Name and date of birth of the insured 
  • Wyshbox membership number 
  • Death certificate 
  • Funeral or obituary info 
  • Proof of ID 

Customer service 


You can get in touch with Wyshbox on Monday – Friday from 9 am to 5 pm EST through phone support, live chat, or filling out a form on the website.  

Customer service is not available on weekends or public holidays.  

Safe and secure 


Wyshbox has an AM Best A- rating. AM Best is the largest credit rating in the world specializing in insurance.  

In addition, Wyshbox uses safe industry-standard tools to keep your information secure.  

Is Wyshbox Life Insurance right for you? 

Wyshbox provides extensive and flexible life insurance coverage starting from $9 per month. You can personalize your policies as your life circumstances change and get instant coverage in under 10 minutes. No medical exams are required and you can fully manage your policy online.  

However, if you’re looking for extensive customer support or you’re over the age of 50, looking to take out term life insurance, you should consider alternative providers. In addition, if you suffer a serious pre-existing health condition, it’s best to check the terms of your policy with Wyshbox in case your health condition is excluded.