Wysh is a digital-first company offering no-exam term policies that allow you to customize your coverage amount and term length for a highly personalized, easy-to-manage plan.
Insurance expert Maryalene LaPonsie has been writing professionally for 25 years, with the past decade focused on personal finance -- insurance, investing and retirement. She is a regular contributor to U.S. News & World Report, Forbes Advisor, USA Today Blueprint and Money Talks News.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
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Most life insurance companies only offer coverage in preset amounts and standard term lengths, but Wysh takes a more flexible approach. If you want something unconventional — like $122,000 in coverage for a 23-year term — you can design it exactly that way. It’s built for people who want their policy to match their real-life needs, not a template.
Wysh is a digital-first insurer that also offers business services; however, its primary draw for consumers is the “Wysh Builder” tool. It allows you to choose your exact benefit amount — up to $2.5 million — and select any term length of up to 47 years. The entire application is online, and no medical exam is required.
With affordable rates, helpful customer support and the ability to adjust your coverage over time, Wysh is a strong pick for anyone who wants a personalized, easy-to-manage life insurance plan.
What Wysh has to say
“Life changes all the time,” according to the Wysh website. “Wysh coverage can change with it – whether you want to add more to cover a growing family or need less as you pay off your debts.”
Wysh sets itself apart by making life insurance feel less guesswork-heavy and more guided. Instead of pushing you toward preset amounts, the company helps you pinpoint the exact coverage you need and provides personalized customer care throughout the process.
Our honest take
It’s rare to find a life insurance company that gives you the ability to select your exact coverage level and term, but Wysh does just that. Instead of limiting you to a handful of term options and coverage amounts that are nice round numbers, Wysh lets you select precisely what you need
Pros:
Cons:
Wysh does not currently have a BBB letter rating.
Wysh has an A- rating from A.M. Best, which indicates that the company is in excellent financial health with a strong balance sheet. For customers, that means Wysh is in a good position to pay out claims if and when needed.
Wysh has a 0.00 complaint index from the National Association of Insurance Commissioners (NAIC), meaning no customer complaints were reported. This suggests that policyholders rarely experience service issues or feel the need to escalate concerns.
Wysh offers a highly flexible term life policy designed for people who want control over their coverage amount, policy length, and application process. Coverage ranges from $100,000 to $2.5 million, with terms customizable in one-year increments up to 47 years. The fully digital application takes less than 10 minutes to complete, and no medical exam is required. Persons ages 18–50 can apply, and many receive instant decisions.
Wysh sells term life insurance only, focusing on a single product built for customization. Every policy gives you the option to keep coverage active until age 65, which is helpful if you want protection that lasts through your main working and child-raising years.
One of Wysh’s biggest strengths is how personalized your policy can be. Instead of preset amounts and durations, you can choose:
This flexibility makes it easier to align your policy with major milestones — like the length of your mortgage or the years your children rely on your income.
Wysh does not require a medical exam. Instead, you’ll answer a brief set of health and lifestyle questions during the online application. This allows most healthy applicants to qualify quickly and avoid traditional underwriting delays.
The application is designed to be fast and straightforward. Most people finish in under 10 minutes, and qualified applicants can receive an instant decision. That makes Wysh a great fit for shoppers who want simple, no-pressure buying without phone interviews or paperwork.
Wysh’s term life rates are generally competitive for healthy nonsmokers, especially younger adults who benefit from the company’s no-exam underwriting and customizable policy lengths.
Your price is primarily based on age, gender, health history, and how much coverage you choose, with the most affordable rates going to applicants in their 20s and 30s. Because Wysh only accepts applicants up to age 50, rates for ages 55 and older aren’t available.
Wysh states that rates start as low as $4.57 per month, making the insurer an appealing option for younger applicants and families who want a customizable policy without a high monthly cost.
The table below highlights sample monthly premiums for 20-year term policies at $500,000 and $1 million in coverage.
Wysh’s rates are higher for smokers because tobacco use is one of the strongest predictors of long-term health risks, including heart disease, stroke, and certain cancers.
Insurers charge more to offset this increased likelihood of future claims, which means smokers will see noticeably higher premiums at every age and coverage amount. Because Wysh only accepts applicants up to age 50, rates for age 55 and older aren’t available.
The table below shows sample monthly premiums for 20-year term policies at $500,000 and $1 million in coverage.
Wysh’s rates stack up well against other digital-first insurers, especially for healthy shoppers in their 30s who want quick coverage without a medical exam. Some competitors come in slightly lower or higher depending on gender and underwriting, but overall, Wysh stays comfortably within the typical price range for modern online term policies.
The table below shows how its rates compare for a healthy 35-year-old buying $500,000 in coverage.
Wysh makes it easier to figure out your ideal coverage amount with its Wysh Builder calculator, which walks you through the major costs your policy should cover. The tool breaks your needs into four simple categories:
Once you enter your details, Wysh instantly calculates how much coverage you may need and shows an estimated monthly cost, making the planning process feel a lot less overwhelming.
Wysh is based out of Milwaukee, Wisconsin, and offers its customers several ways to reach it online or via the phone.
Wysh is one of several digital life insurance companies that have emerged recently. The company sets itself apart from the competition by allowing customers to hyper-customize the coverage and term length they want.
This insurer also has low premiums and doesn’t require a medical exam, two appealing features. Wysh is limited, though, in that it doesn’t offer permanent life insurance policies and won’t issue policies to those older than age 50. As a result, Wysh isn’t for everyone.