Policygenius Review

Our Verdict

Policygenius is the best insurance comparison marketplace.

GetASearch Score: 8.5/10

Rating: 4.4/5 (2345 reviews)

Score Breakdown

What is Policygenius?

Policygenius is an independent online insurance marketplace that simplifies the process of comparing, purchasing, and managing insurance policies. Founded in 2014 by Jennifer Fitzgerald and Francois de Lame, Policygenius has helped over 30 million people shop for coverage and placed over $200 billion in coverage since its founding, establishing itself as the largest independent insurance marketplace in the United States. The platform covers all major insurance categories: life insurance (term and permanent), home insurance, auto insurance, renters insurance, disability insurance, and pet insurance. Unlike captive agents who represent a single carrier, Policygenius compares quotes from dozens of top-rated insurers - including Prudential, AIG, Lincoln Financial, Protective, and Pacific Life for life insurance - ensuring users see competitive options without the bias inherent in single-carrier recommendations. The life insurance experience, Policygenius's flagship product, is particularly well-designed. Users answer health and lifestyle questions through a guided online questionnaire, receive personalized quotes in minutes, and can complete the entire application process online with assistance from licensed advisors. Policygenius handles the underwriting coordination, medical exam scheduling (when required), and policy delivery. For qualifying applicants, some policies offer accelerated underwriting with no medical exam required. What distinguishes Policygenius from direct-to-consumer insurance startups is its hybrid model combining technology with human expertise. Every customer has access to licensed insurance advisors who provide unbiased guidance - they're salaried employees, not commission-driven agents, which removes the incentive to push more expensive policies. These advisors help customers understand coverage amounts, term lengths, riders, and the tradeoffs between different policy structures. The platform's insurance checkup tool analyzes existing coverage and identifies gaps, helping users understand whether they're underinsured, overinsured, or paying too much. This holistic approach considers life stage, dependents, mortgage obligations, income replacement needs, and existing employer benefits. Policygenius earns revenue through commissions paid by insurance carriers when a policy is placed - users pay nothing extra for using the platform. This business model aligns incentives: Policygenius benefits from helping users find and purchase appropriate coverage, not from steering them toward specific products.

Integrations: 30+ insurance carriers

Why Comparison Shopping Matters for Insurance

Insurance premiums can vary 40-60% between carriers. Policygenius lets you compare quotes from 30+ carriers in one place. We found quotes ranging from $25/mo to $45/mo for the same coverage.

Licensed Advisors: The Human Advantage

Policygenius's licensed advisors explain coverage options and help navigate applications. Advisors are salaried, not commissioned.

Policygenius Features

Key Specifications

Policygenius Pricing

• Quote comparison: Free
• No markup on premiums
• Advisor consultations: Free

Best For

• Life insurance shoppers
• First-time insurance buyers

Not Ideal For

• Those wanting instant AI coverage
• Commercial insurance

Final Verdict

Policygenius is the best insurance comparison marketplace.

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Frequently Asked Questions