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Insurance 101

We break down all the basics so you can navigate life insurance like a boss.
Insurance 101

Is a $1 million life insurance policy enough?

When you consider all your needs, the costs can really add up.
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John
Personal Finance Writer
Insurance 101

What is a medical exam for life insurance?

What to expect, and what you need, when visiting the doctor for a life insurance policy.
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John
Personal Finance Writer
Insurance 101

How much life insurance do I need? A Brief Look

As your life changes, consider what you’ll need to protect your family
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John
Personal Finance Writer
Insurance 101

20 year term life insurance policies are the most popular—why?

Finally, an answer to the question “how long should my life insurance be?”
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John
Personal Finance Writer
Insurance 101

Why are there gaps in life insurance for women?

Learn why only 47% of women own a life insurance policy
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John
Personal Finance Writer
Insurance 101

What you need to know about life insurance after divorce

Get answers about how to keep your life insurance after the divorce
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John
Personal Finance Writer
Insurance 101

If a beneficiary dies, who gets the money?

Protect yourself and your loved ones by naming primary and contingent beneficiaries
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John
Personal Finance Writer
Insurance 101

Life insurance underwriting: what’s with all the questions?

How digital underwriting is empowering online life insurance.
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Jasmin
Personal Finance Writer
Insurance 101

Right or wrong amount—how much life insurance do I need?

Flexible life insurance helps you figure the right and wrong amount.
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Maddy
Personal Finance Writer
Insurance 101

5 reasons term life insurance coverage may be better for young adults

Find out how flexible life insurance can work out great for young people.
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John
Personal Finance Writer
Insurance 101

Wyshbox’s Wysh Granters make the life insurance claims process smooth

Our customer support staff helps beneficiaries through the life insurance claim process.
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Maddy
Personal Finance Writer
Insurance 101

How to get transgender friendly life insurance

Considerations trans people should make when applying for life insurance coverage.
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John
Personal Finance Writer
Insurance 101

Term life insurance, no medical exam—what’s not to love?

Digital underwriting is powering new ways to get coverage.
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Maddy
Personal Finance Writer
Insurance 101

Your life insurance policy and alcoholism—how is it affected?

How this serious disease can affect your life insurance policy and application process.
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John
Personal Finance Writer
Money Things

Does bankruptcy affect life insurance?

Restructuring your finances can have some side effects.
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John
Personal Finance Writer
Health Hacks

Life insurance for people with depression and anxiety

Mental health disorders can affect your life insurance application—find out how.
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John
Personal Finance Writer
Insurance 101

Life insurance for skydiving and other extreme sports

How to still get coverage, even while pushing the envelope.
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John
Personal Finance Writer
Insurance 101

401k vs life insurance—which is better?

When it comes to these investment options it doesn’t have to be “either or.”
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John
Personal Finance Writer
Insurance 101

Life insurance for asthmatics

A guide to how asthma can affect your application, coverage, and costs.
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John
Personal Finance Writer
Insurance 101

Can felons get life insurance?

Even if you serve your time, there are barriers to getting life insurance for ex felons.
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John
Personal Finance Writer
Insurance 101

Life insurance on newborn babies—what you need to know

Pros and cons of getting your baby their own policy.
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John
Personal Finance Writer
Insurance 101

Do term life insurance premiums increase with age? A deep-dive

Keep an eye out for how your premiums actually work.
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John
Personal Finance Writer
Insurance 101

FAQs on what to do with pets when owner dies

This song goes out to all the fur baby mamas.
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John
Personal Finance Writer
Insurance 101

Why are 20-year term life insurance policies so popular?

And does the popular option work best for you? Let’s discuss.
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John
Personal Finance Writer
Insurance 101

5 types of women who should consider term life insurance

From CEOs to cat moms (or both), life insurance for women can be vital.
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John
Personal Finance Writer
Insurance 101

Smoke weed? Here’s what you need to know about getting a life insurance policy

Toke a look at how smoking weed can affect life insurance.
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John
Personal Finance Writer
Insurance 101

Do they drug test for life insurance policies? Let’s hash it out

Don’t let lying keep you from getting the coverage you need
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John
Personal Finance Writer
Insurance 101

What you need to know about getting life insurance while pregnant

It’s always better to get insurance sooner rather than later.
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John
Personal Finance Writer
Insurance 101

Donating life insurance to charity EXPLAINED

A policy payout can go to more than just your family.
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John
Personal Finance Writer
Insurance 101

Questions you didn’t know to ask about spouse life insurance

Getting your partner insured is easier than you think.
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John
Personal Finance Writer
Insurance 101

Can diabetics get life insurance?

The sweet news is yes! Here’s what to consider when applying for a policy.
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John
Personal Finance Writer
Insurance 101

5 life insurance scams that can hurt more than your wallet

These shady schemes can cost you and your wallet big time.
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John
Personal Finance Writer
Insurance 101

Why women usually pay a lower premium in life insurance than men

Health ratings between two similar people can be very different.
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John
Personal Finance Writer
Insurance 101

What do single parents need in a life insurance policy?

Ways to think about life insurance for single moms and dads.
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John
Personal Finance Writer
Insurance 101

How much life insurance do you really need?

Calculating the amount of coverage that’s right for you.
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Maddy
Personal Finance Writer
Insurance 101

Got a raise? Consider adjusting your life insurance policy

New take-home pay should come with some smart financial planning.
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John
Personal Finance Writer
Insurance 101

Why are there life insurance gaps for Black communities?

What is driving the gaps in life insurance coverage for Black Americans?
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John
Personal Finance Writer
Insurance 101

How mental health can impact life insurance

Learn if you can receive life insurance if you have a mental illness.
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Maddy
Personal Finance Writer
Insurance 101

How veterans can get access to life insurance

Exploring the options service members have for coverage.
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Maddy
Personal Finance Writer
Insurance 101

What you need to know about riders in insurance?

Insurers can offer policy add-ons that provide a wide range of benefits.
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John
Personal Finance Writer
Insurance 101

Adulting 101: How does life insurance work?

Kickstart your learning about the additive power of life insurance.
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John
Personal Finance Writer
Insurance 101

Does family health history play a part in getting life insurance?

How some hereditary traits can affect the type of coverage you can buy.
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Maddy
Personal Finance Writer
Insurance 101

How to use a life insurance benefit to pay for a wedding

An unexpected way to possibly pay for your loved ones’ “best day ever!”
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Jasmin
Personal Finance Writer
Insurance 101

How to leave a legacy with your life insurance like a boss

Leaving a stamp on the world isn’t only for the supremely wealthy. At this point, most…
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Maddy
Personal Finance Writer
Insurance 101

Is getting life insurance worth it when you’re already in debt?

How Wyshbox will support customers as they achieve financial freedom.
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Maddy
Personal Finance Writer
Insurance 101

The ins and outs of filing a life insurance claim

Understanding the claims process is easier than you think.
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Maddy
Personal Finance Writer
Insurance 101

How much coverage should you get when buying life insurance?

Getting to the bottom on the amount of insurance you should buy.
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Maddy
Personal Finance Writer
Insurance 101

What kind of debts does life insurance cover?

From a school loan to a summer home, learn what life insurance does and doesn’t cover.
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Maddy
Personal Finance Writer
Insurance 101

Understanding the difference between life insurance and will beneficiaries

Figuring out what will give you more peace of mind. *The information in this article is…
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Maddy
Personal Finance Writer
Insurance 101

A quick breakdown of the average funeral cost

Hint: funeral planning might cost roughly $5–$10k a pop!
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Jasmin
Personal Finance Writer
Insurance 101

Your go-to guide to whole life insurance

Get the lowdown on one of the most popular types of permanent life insurance.
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Jasmin
Personal Finance Writer
Insurance 101

Stay-at-home parent? You’re worth more than you think

Joint life insurance could cover at-home responsibilities if the worst were to happen.
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Jasmin
Personal Finance Writer
Insurance 101

What is a beneficiary? And other burning questions answered

5 things you must know before deciding who gets your life insurance money.
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Jasmin
Personal Finance Writer

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Copyright © 2022 Wysh Life and Health Insurance Company (formerly known as Greenhouse Life Insurance Company), 720 E. Wisconsin Avenue, Milwaukee, WI 53202 (life and health insurance). Wyshbox is a marketing name for Wysh Life and Health Insurance Company. The Wysh Life and Health Insurance Company term life product application asks certain lifestyle and health questions to help avoid requiring a medical exam. Insurance is subject to underwriting. Individual life policy contract: ICC22.SL.TERM(06.2022), Terminal Illness ADB Rider: ICC21.ADB(03.2021), Wellness Rider: ICC21.WELL.RIDER(03.2021). Accidental Death policy contract: 22.AD.PF(08.2022), Wellness Rider: 22.AD.WR(08.2022). See state specific policy numbers. Products and their features may not be available in all states. Limitations or restrictions may apply.

Life Insurance

Plans starting at $9/mo* / Plans start at less than $1/day* / Life insurance for less than $250/yr*: Plans starting at $9/mo and less than $1/day are based on a 25-year-old female for a 10-year term in preferred plus health class with a plan face value of $155,000. The yearly value of this product totals to $108 per year, which is less than $250/yr. Form # ICC21.SL.TERM(06.2021).

Save up to 40%* with personalized life insurance / Customized coverage: This stat is based on an 1800 person quantitative research study done by NM GSB, LLC, a Wysh Life and Health Insurance Company affiliate, in November 2020. The study found that, on average, consumers could save 40% on life insurance premiums by going through a process that identified their unique needs and limited their coverage to those needs.
Life insurance that can pay off your mortgage / We can kill your debts if you die: Your beneficiary/beneficiaries ultimately decide how your life insurance payout is used. If they give us (Wysh Life and Health Insurance Company) the green light, we'll work directly with your lender to pay off or pay down your mortgage debt.
Life insurance that can shoot your ashes to space: Your beneficiary/beneficiaries ultimately decide how your life insurance payout is used. If they give us (Wysh Life and Health Insurance Company) the green light, we'll work directly with companies that arrange for cremated ashes to be sent to space.
$155,000 of coverage starts at $9/mo / $759,000 of coverage starts at $18/mo / $1,300,000 of coverage starts at $30/mo: Memberships starting at $9/mo, $18/mo, and $30/mo are based on a 25-year-old female for a 10-year term in preferred plus health class with a plan face value of $100,000. Memberships starting at $11/mo are based on a 25-year-old female for a 10-year term in preferred plus health class with a plan face value of $155,000. Form # ICC21.SL.TERM(06.2021).
Sign up in 9-ish minutes; less than 10 mins: You can get Wysh Life and Health Insurance Company memberships through the Wyshbox app. From beta testing users in the Wyshbox app, we've found that you can get coverage with us within 9 minutes. Times to complete the application will vary based on the specific circumstances of the application and qualifying for fully digital underwriting.
Adjust coverage whenever: You can obtain, cancel, increase, and decrease a Wysh Life and Health Insurance Company membership within the Wyshbox app environment. Additional underwriting may be required.
If you die, your loved ones can get paid in days not weeks: To make a claim, we always need a completed claims form and a death certificate. Once we get these, our customer service team will verify all documents and work with the beneficiary to honor the deceased's Wyshes. We'll always try to work through these claims as quickly as possible; we aim to resolve claims within days of confirmation of the death. However, mitigating factors, including delays in receiving third-party verification and further investigation requirements of the death, may prevent us from doing this.
Extend until you're 65: At Wysh Life and Health Insurance Company, we offer term life insurance (form # ICC21.SL.TERM(06.2021)) to the age of 65. Extensions of policies that expire prior to age 65 may require additional underwriting and may not result in extended coverage.
Lock in lower rates / Keep Rates Young: Locking in lower rates and our "Keep Rates Young" feature are based on continuing at the same health level. Additional underwriting may be needed for extensions and changes of coverage that could impact rates.
Easy to Get: The adjective "easy" as used on wyshbox.com, the Wyshbox app, and any other advertisements or documentation discussing the insurance of Wysh Life and Health Insurance Company refers to the user experience. The word "easy" is not meant to imply or convey that everyone will qualify for or receive insurance from Wysh Life and Health Insurance Company.
66% of Parents Have Life Insurance: Bankrate article, “Survey: How many of us have life insurance? And how many have enough of it?”, July 2015.
On average a parent spends $233k raising a child: United States Department of Agriculture article, “The Cost of Raising a Child,” March 2017.
The average funeral costs almost $7,000 - $8,000: National Funeral Directors Association article, "Statistics," December, 2021.
Term life insurance can be cheaper than mortgage rate protection insurance: Bank Rate article, “Mortgage protection insurance vs. life insurance vs. PMI: Who needs what?” October 2020.
70% of families with children under 18 rely on the mother’s salary: This stat is based on a quantitative research study conducted by NM GSB, LLC, an affiliate of Wysh Life and Health Insurance Company, on 1200 participants in November 2021. Participants were asked if their families relied, in part or in whole, on the mother’s salary.

General

No doctors, no needles: Currently, we don't ask you to take a medical exam to complete your application. However, we'll use the digital medical info we pull (authorized by you) to determine whether we can offer coverage.
100% digital / 100% online: At Wysh Life and Health Insurance Company, we automate the underwriting process, application, and issuance of life insurance memberships through our product, the Wyshbox app contingent on not opt-ing out of e-delivery and qualifying for fully digital underwriting. Users have the option to engage with our customer service through a live chat via our website, email, and telephone number—however, this is not a requirement.
Instant Coverage: Instant Coverage means you can get covered under Wyshbox within minutes of confirming underwriting and signing your plan documents digitally and qualifying for fully digital underwriting.
Wyshes: Wyshes are a feature of the Wyshbox app/website Wyshes are a way for members to plan their life insurance needs and communicate to their beneficiaries how they'd like their life insurance spent. While the beneficiary is under no legal obligation to honor the Wyshes, if the beneficiary agrees to honor them, Wysh Life and Health Insurance Company customer service representatives will attempt to fulfill the Wyshes to the best of their abilities and in accordance with known laws and limitations.
Membership: Membership is a term we use to describe Wysh Life and Health Insurance Company policy holders and Wyshbox app users. We use this term because the experience we offer is ongoing, allowing customers to adjust coverage and modify Wyshes.tting forth their policy.
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