LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Life insurance review

Policygenius Life Insurance Review (2026)

Policygenius earned 4.5 / 5 in our 2026 review. Best for: comparing multiple carriers in one place. Full breakdown below.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Coverage range
$25,000 to $10,000,000
AM Best
A
No-exam available
Yes
Issue ages
18 to 85
Policy types
5 offered
Term lengths
10 to 30 years
Underwriting
Same day to 2 weeks (varies by carrier)
Fintiex rating
4.5 / 5
Pros
  • +Marketplace compares quotes from dozens of top carriers simultaneously
  • +Licensed agents available to guide you through the application
  • +All policy types available through one platform
  • +No-exam options from multiple carriers
  • +Free to use, no upfront cost to compare
  • +Strong editorial resources and life insurance education
Cons
  • -Acts as a broker, not a direct insurer
  • -Final terms and underwriting are set by the underlying carrier
  • -Some carriers on the platform have narrower no-exam eligibility
  • -Online quotes are estimates; actual rates determined by underwriting

Policy types offered

Term lifeWhole lifeUniversal lifeVariable universalFinal expense

Term lengths available: 10, 15, 20, 25, 30 years.

Riders available

  • ·Accelerated death benefit
  • ·Child rider
  • ·Disability waiver of premium
  • ·Return of premium
  • ·Long-term care rider
Best for

Policygenius is the right pick if you prioritize comparing multiple carriers in one place. The provider earns top marks for underwriting flexibility and no-exam options. If you do not match this profile, compare against the other top picks on our life insurance hub.

Overview

Policygenius writes life insurance policies for applicants between ages 18 and 85, with coverage from $25,000 to $10,000,000. Financial strength is rated A by AM Best, which is the most important rating for any life insurer. A life insurance policy is a promise that may not be cashed in for 30 to 50 years, so the strength of the company writing the contract matters a lot.

Underwriting speed is rated as Same day to 2 weeks (varies by carrier). Policygenius offers a no-medical-exam path for qualifying healthy applicants, which can deliver a decision in minutes to a few days.

Policygenius offers 5 policy types: term, whole, universal, variable, final-expense. This range of options makes the provider suitable for a wide set of needs, from simple income replacement (term) to estate planning and cash value strategies (whole, universal).

How to apply with Policygenius

Applying with Policygenius takes 15 to 30 minutes online if you have your basic info ready: date of birth, height, weight, lifestyle questions (tobacco use, alcohol consumption), and basic medical history. Fully underwritten policies may require a paramedical exam at your home or office, paid for by the carrier.

  • Get an online quote based on age, health class, and coverage amount
  • Complete the application (health questions, beneficiary, payment info)
  • Submit for underwriting (instant decision or full review)
  • Take a paramedical exam if required (typically free, 30 minutes at home)
  • Review and sign the offer once approved
Start a Policygenius quote

Frequently asked questions

Is Policygenius a good life insurance company?
Policygenius earned 4.5 out of 5 in our 2026 review. It carries an AM Best financial strength rating of A. Best for: comparing multiple carriers in one place.
Does Policygenius offer no-medical-exam life insurance?
Yes. Policygenius offers no-exam life insurance for qualifying healthy applicants. Coverage limits and approval depend on age and health profile. Decisions are typically delivered instantly to within a few days.
What policy types does Policygenius offer?
Policygenius offers the following policy types: term, whole, universal, variable, final-expense. Term lengths available are 10, 15, 20, 25, 30 years.
What is the coverage range for Policygenius?
Coverage ranges from $25,000 to $10,000,000. Eligibility for high coverage amounts depends on age, income, and health history.
How fast is Policygenius underwriting?
Policygenius underwriting speed is rated as: Same day to 2 weeks (varies by carrier). Fully digital carriers like Haven Life and Ladder offer instant decisions for qualifying applicants. Traditional carriers like Northwestern Mutual and Prudential can take 2 to 6 weeks for full underwriting.
What riders does Policygenius offer?
Policygenius offers these optional riders: Accelerated death benefit, Child rider, Disability waiver of premium, Return of premium, Long-term care rider. Common riders like accelerated death benefit are often included at no extra cost; others (waiver of premium, long-term care) cost extra but can add real value.

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