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Policygenius
8.8 out of 10
Policygenius is a leading online insurance marketplace that makes it easy for users to compare and purchase insurance policies. Whether you’re looking for life insurance, disability insurance, auto or home insurance, Policygenius can help you find the right policy at the right price. Policygenius also boasts a user-friendly interface, a secure online application process, and ongoing live support for an easy and hassle-free way to get the insurance coverage they need.
Insurance Options
9 out of 10
Ease of Use
8 out of 10
Customer Service
9 out of 10
Price
9 out of 10
Pros
Easy to use
Multiple insurance options
Great customer service
Expert advice
Free
Cons
Not all insurance carriers are available
Some policies may be more expensive
Will need to speak to someone to complete the online application
Finding the right insurance policy can be a daunting task, but Policygenius has made it easier. Policygenius is a leading online insurance marketplace that helps consumers compare and purchase various types of insurance policies. In this Policygenius review, we’ll provide detailed information on how it works, who it is for, the pros and cons, the cost, the types of insurance offered, and how Policygenius stands out from its competitors.
What is Policygenius?
Policygenius is an online insurance marketplace that allows consumers to compare and purchase various types of insurance policies. The company was founded in 2014 with a mission to help consumers find the right insurance policies at the best possible prices. Policygenius has partnered with top insurance carriers to provide consumers with access to a wide range of policies like life, disability, home, auto, and even pet insurance.
Types of Insurance Offered
As there are many types of insurance, Policygenius offers different types of insurance policies for your needs, including:
Life insurance: Life insurance provides financial protection for loved ones in the event of an unexpected death. Policygenius offers term life insurance, whole life insurance, and universal life insurance policies. Learn more about life insurance here.
Disability insurance: Disability insurance provides financial protection in the event of an unexpected illness or injury that prevents an individual from working. Policygenius offers both short-term and long-term disability insurance policies.
Home insurance: Policygenius offers a variety of coverage options for homeowners, including protection for the structure of your home, personal property, and liability coverage.
Auto insurance: Policygenius offers coverage for cars, trucks, and other vehicles, with options for liability, collision, and comprehensive coverage.
Bundle and save: By combining your home and auto insurance policies, you could be eligible for discounts and other benefits. Plus, managing your policies in one place makes things easier.
Health insurance: Health insurance provides coverage for medical expenses. Policygenius has partners according to your zip code that offers individual and family health insurance policies.
Long-term care insurance: Long-term care insurance provides coverage for the cost of long-term care, such as nursing home care or in-home care. Policygenius partners with LTC Consumer to provide traditional long-term care insurance policies, as well as hybrid policies that combine life insurance and long-term care coverage.
Pet Insurance: Policygenius offers pet insurance policies to cover your furry friends’ healthcare expenses through its partner Wagmo.
How Policygenius Works
Policygenius has simplified the process of purchasing insurance by providing consumers with an easy-to-use platform. To illustrate the process for this Policygenius review, I’ll be walking through my experience applying for term life insurance on the Policygenius platform.
To get started, consumers can visit the Policygenius website, click on “Get Quotes”, and follow the steps to enter their information to receive personalized quotes. The information required includes:
Basic details like birthday, gender, and zip code
Household and income information
Health and lifestyle information like your height, weight, medication, and any tobacco usage
Coverage goals like a safety net, building cash value, etc.
Once done, Policygenius will provide you with an estimated quote of the monthly cost for a certain amount of coverage. You’ll be able to change the coverage amount and term to estimate what your monthly cost will be based on what your coverage needs are.
If you are not sure of what you need, they do provide a life insurance calculator here if you want to calculate how much coverage you may need.
You’ll then be prompted to enter your name, phone number, and email address to create a profile and save your current inputs.
Once done, you’ll need to fill out a detailed health and lifestyle questionnaire to receive tailored quotes from top insurers. You can do so either online or by having someone call you.
Policygenius will then calculate your quotes from various insurance carriers and you’ll call them or have them call you to verify your details with the number provided
With the quotes, you can then compare policies side-by-side and select the policy that best meets your needs.
Once a policy is selected, Policygenius will help consumers complete the application process like completing their medical and submitting the necessary documents.
Pros and Cons of Policygenius
Pros
Easy-to-use platform: Policygenius has a simple and intuitive interface that makes it easy for users to navigate the website and compare insurance policies.
Multiple Insurance Options: Policygenius offers users a wide range of insurance options, including life insurance, home insurance, auto insurance, and disability insurance.
Comprehensive Comparisons: Policygenius provides users with comprehensive comparisons of various insurance policies, allowing them to make informed decisions.
Expert Advice: Policygenius has a team of licensed insurance experts who can provide users with personalized advice and recommendations.
Free Service: Policygenius is a free service that does not charge users for comparing insurance policies.
Excellent customer service: The customer service at Policygenius was really helpful and responsive to my questions.
Cons
Not all insurance carriers are available on the platform.
Some policies may be more expensive than competitors.
You’ll have to speak to someone after completing the online application
Who Policygenius is For
Policygenius is an excellent option for anyone looking for an easy way to compare and purchase insurance policies. The platform is especially useful for those who are new to purchasing insurance or those who are not familiar with the various types of insurance policies available. Policygenius is also a great option for those who want to save time and money by comparing policies online.
How Much Does Policygenius Cost
Policygenius is a free service for consumers. The company earns a commission from the insurance carriers when a policy is purchased through the platform. Consumers can rest assured that they will not pay any additional fees for using the Policygenius platform.
Final Thoughts
Policygenius is an excellent insurance comparison platform that offers users a comprehensive range of options and features. Its user-friendly interface, expert advice, and free service make it an attractive option for those looking to purchase insurance. Overall, we highly recommend Policygenius to anyone looking for a reliable and efficient way to compare insurance policies.
This post may contain affiliate links. We may receive compensation when you click on links to those products at no additional cost to you. Read our full disclosure here.
