Policygenius Life Insurance Reviews

From the outset, I was 100% forthcoming and transparent regarding my medical conditions, providing every detail requested to ensure an accurate preliminary quote. Despite this complete disclosure, Policygenius provided an initial lowball premium quote that created an entirely false expectation of affordability. I relied on this figure as I moved forward with the application. The deception became clear when the final offer arrived. Not only was the policy quoted at the wrong coverage amount and the wrong term length than what I had requested, but the premium itself was increased by nearly $100 per month—This rate hike was delivered after the medical information had been assessed, confirming that the initial quote was a deliberate effort to lure me into the process.

Don't trust them. Quoted one price, I agreed, and then the price rose. I agreed again, and the agent told me I was pre-approved. I signed the insurance application, but then didn't have the option to pay. I kept checking over the next few days and the status said that my insurance was still being reviewed, even though the agent said that I was definitely approved. Then when it was finally approved, the price went up again and I had this message: "I understand I had an option of a lower first payment amount based on younger insurance age which was valid until 3/29/2025. I agree to make the first payment based on my current insurance age." Except that there was no way for me to make a payment on 3/29 since they had held up the approval.

While filling out the online form to get a quote, they first they said most policies would require a phone call at some point. I asked which policies do not require a phone call since I do not own a phone. They then replied that ALL policies require a phone call. I then had to ask that all my personal information be removed from their website. They said they would review my request. I should have been able to remove my own personal information, which I was not.

I was presented with fake quotes that were lower than what my health qualifies for. They knew about my diabetes history and showed fake quotes. NOT good. People should be 100% honest when showing quotes and this website did not do that. Rather than enticed me to apply for something I could not qualify for.

The estimated rates I was quoted before I applied for life insurance were not even close to the premium on the policy I was eventually offered. My policy premium was three times as much as they estimated. The underwriting process took literally months. This was a complete waste of time and I would never use them again.

I called in to obtain some information on life insurance for my wife who has diabetes. Agent was not properly trained and provided false information to us. Very disappointed to see them try and trick us with fake quotes. This means in reality, the real cost of life insurance would be 3 to 4 times higher than what they quoted me.

Maybe this works for some people, but this is supposed to be an online process. Their advertisement is "Compare and Buy Insurance Online"--just google it and see. So I submit their online information and nothing for several days. Finally one day I answer a phone call identified as "Potential Spam" just to see who has been calling. It's Austega from Policy Genius. First comment from her is to confirm my birthday and zip code. Really? This was supposed to be an online process; and if you want to talk on the phone, then you should have a published number and your agents should provide an extension that can be reached by calling an accepted number. But no; you call me---from a blocked number that Verizon identifies as spam and want me to start answering questions with personal information. How many data breaches have we already had? This is a terrible security practice. I politely told her "no thanks". I'll go elsewhere. Be careful people.

Complete waste of my time.

By the time they did, I had coverage with a different company. The truth is that if the person who interviewed me initially had listened better, he could have given me better advice on the product I needed.

I tried to apply for a life insurance policy, but due to straight-up discrimination, my application was never even submitted. One of the steps is to talk with an agent and go through your medical history. I called and spoke to my agent and we went through a brief questionnaire. During our conversation, I revealed I was on the autism spectrum. He had an audible reaction to this and then asked me "how I experience autism". I gave a brief overview of my symptoms and explained that it doesn't negatively impact my life or my health.