Wysh Review

Overview

Focusing on creating affordable life insurance policies that are hassle-free, Wysh is an online provider who offers fully customizable plans that are tailored to match both your current and future financial needs. Targeting a younger demographic through their unique term life insurance, this digital provider makes finding the right coverage simple and uses a proprietary system to make sure all of your concerns are considered. Are you worried about leaving behind debts, paying for funeral expenses, or leaving your family without the financial support they require? Wysh is here to help eliminate those concerns and gives you compassionate coverage that ensures your loved ones aren’t burdened should you pass away. Especially useful for individuals whose priorities, needs, and plans may change in the future, Wysh is flexible enough to grow alongside you and will be your faithful financial companion that can give you peace of mind no matter what should come your way.

Policies

When it comes to purchasing life insurance there are two main types that you need to be aware of, and anyone interested in securing a policy will need to decide if they want to enroll in whole-life or term insurance. The main difference between the two is how long your policy is intended to last for, with whole-life being in effect from the day of enrollment until the day of death, and term lasting for a specific number of years which you select when you sign up. Generally ranging from 5 to 30 years, term life insurance provides greater freedom and flexibility without requiring you to commit to a plan for the duration of your lifespan, and it is this specific type of insurance that Wysh offers.

What makes term life insurance so popular is the fact that it is significantly cheaper than a whole life policy, and it can be a smart choice if you want protection during the period of time when your loved ones are most likely to require it. Young couples with children who don’t have a lot of savings, for example, will likely benefit the most from having a term insurance policy should an untimely death occur. In this case, the loss of income from a spouse would have a much bigger impact than it would on a retired couple who have a lot of savings and grown children. Because of how beneficial it can be, and how affordable it can be, Wysh has created their own unique version of term life insurance that can be highly customized to match your exact budget as well as your current and long-term needs.

Allowing you to get exactly the right coverage for your outstanding debts, lifestyle, and future expectations, Wysh gives you the freedom to pick the perfect term length starting at only 2 years and will lock in your current rate so you never have to stress about paying more as you age. Once your term expires, you also have the ability to continue with your policy and extend it until you reach the age of 65, ensuring you enjoy young rates, even at an older age. With instant coverage ranging from $50,000 to $2.5 million, no medical exams required, with an application that includes just a few health questions and only takes 9 minutes to complete, Wysh makes securing a term life insurance policy simple and easy and is a useful opportunity for individuals and growing families who want to enjoy the future without looming concerns surrounding health, wellness, or security.

Wyshes

Wysh chooses to promote flexibility and freedom over the more rigid policies offered by traditional life insurance providers, and they accomplish this through their unique system called Wyshes. With Wyshes, you get to determine how much coverage you actually want to pay for by calculating your lifestyle costs upfront, and this eliminates overpaying for coverage that you don’t need. The great thing about Wyshes is they aren’t set in stone either, so as you grow up, pay down debts, get married, or add children to your family, you can adjust your life insurance policy to match and you can choose coverage that ranges from $50,000 up to $2.5 million .

Broken down into 4 main categories, you can set up Wyshes for:

Debts

• Paying off a mortgage
• Paying off student loans
• Paying off credit card debt
• Paying off a car loan
• Any other debts you hold.

Loved Ones

• Setting up a college fund
• Taking care of children
• Protecting a spouse/partner
• Caring for parents
• Covering pet care
• Covering plant care
• Paying for other dependents

Loose Ends

• Paying a landlord/rent
• Covering funeral expenses
• Paying for medical treatments
• Granting a custom Wysh

Legacy

• Gifting a dream wedding
• Boosting a savings account
• Providing a cash gift
• Donating to a favorite charity
• Sending ashes to space
• Creating a custom legacy

Should the day come where your policy is paid out to your beneficiaries, the in-house team of Wysh Granters will work closely with your loved ones to help them fulfill the Wyshes you established when you built your coverage. Of course, your loved ones will always have the final say in how the money is used post-death, but the Wysh Granters are there to hand over your Wyshes and to offer guidance, support, and help should your beneficiaries want it. Dedicated to providing compassionate support and industry-leading assistance to every customer and their beneficiaries, the Wysh Granters operate right here in the USA and are available from application to pay out in whatever way you need them most.

Application Process

Every policy issued by Wysh is for term life insurance and it offers instant coverage, in most cases, between $50,000 to $2.5 million, without requiring a medical exam or lengthy delays. To get started, you will first need to visit their website directly where you can read about everything offered, and take a deep dive into how Wyshes work and what they might mean for you. Once you’ve gotten an understanding of Wysh and how it works, you can then proceed with creating a personalized quote which is completely free and requires no commitment or obligation.

During the free quote process, Wysh will ask you some basic questions about your age, your health, and what state you reside in, and they will also help you create your initial Wyshes and desired coverage amounts. Completely tailored to your current and future financial obligations, this guided process makes it easy to calculate the correct amount for an insurance policy, and is a simple way to understand the types of expenses and concerns that need to be accounted for should something happen to you. Once you’re finished, immediately a quote will be shown providing a final total for all of your Wyshes, monthly premium for the coverage amount and term length you selected.

If you’re satisfied with the premium amount shown, the final step is to lock in that rate by completing a formal application online. Requiring only about 9 minutes of your time, the formal application will request that you create an account, provide your phone number, and then select any additional coverage or riders that are available to you. Once your application is approved, the last step is to pay for your first month of coverage and once you hit submit you will be able to enjoy instant coverage and a newfound sense of security. All policies are also backed by an  impressive 30-day money-back guarantee, so you can try it out, see how it feels, and if you aren’t completely satisfied then you can cancel and receive a 100% refund for that first month.

Who is Wysh Best For?

Since Wysh focuses on providing term life insurance policies, it is best suited to individuals who are younger, who have existing and future financial obligations, and who have loved ones or dependants that they want to take care of should something happen to them. To enjoy the best rates possible, you will want to be in fairly good overall health, and you will also need to be under the age of 50 at the time of enrollment. Wysh is available to residents of most US states, however, those who reside in KY, ME, NH, NJ, RI, FL, ND, NY, CA, CO, CT, SC, and SD are not currently eligible to apply. This may change in the future though, as Wysh is constantly growing and expanding, so you are always encouraged to check back at a later date to see if your state is included.

Wysh Cost

With premiums starting as low as $4.57/month, Wysh is one of the most budget-friendly options available and is perfect for those seeking an affordable way to enjoy peace of mind for the duration of their insurance policy term. How much you ultimately pay every month will depend heavily on a number of factors, including how old you are, your current health, how much coverage you desire, and how long you want your term length to be. To help break down potential monthly costs, the chart below shows some average premium amounts based on age, gender, and coverage, and can give you an idea of what you could expect to pay should you choose to enroll with Wysh. However, it’s important to keep in mind that all premiums shown below are simply estimates, and the only way to know for sure what a policy would cost you is to complete the free application to enjoy a tailored quote based on your personal circumstances.

Bottom Line

Life insurance may not be the most pleasant topic to think about or discuss, but the reality is that leaving yourself unprepared can ultimately create a massive financial burden for your loved ones should something happen. From outstanding debts to future plans, medical costs to funeral expenses, all of these financial burdens are an unfortunate part of life and something you have the power to plan for with the right life insurance policy. To help make the decision easier, and the process smoother, Wysh offers unique term life insurance policies for you to tap into online, and that require no hassle, no effort, and no medical exam, just a few health questions. Incredibly affordable, and completely customized to you and your loved ones, this digital provider is here to give you peace of mind and will help you plan for your future, no matter what that might look like. To see what you’re eligible for, and to lock in a great rate today, you can visit Wysh directly and see for yourself why they are such a popular and trusted insurance provider who will be there for you and your beneficiaries should you require it.

* See Full Wysh Disclosures Here