Policygenius is America's leading online insurance marketplace. Our mission is to help people get insurance right by making it easy for them to understand their options, compare quotes, and buy a policy, all in one place.
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Is Policygenius legit?
Policygenius (policygenius.com) has a 4.5 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 86% of reviews are 4 stars or higher and 9% are 1 star; The business has replied to 76% of negative reviews; 15 of them were added in the last 12 months. Last updated 2026-08-31.
What people say
C
Charles · 2 reviews · Experienced 2026-07-01 ·
★★★★★
Only provided one quote and I keep…
Only provided one quote and I keep getting spammed and telephones 10-20 times a day. Stay away!
Reply from Policygenius2026-07-31
Hi Charles,
Thank you for sharing your experience. We apologize for the frustration caused by the additional calls you received after asking not to be contacted for one month.
After reviewing your experience, we confirmed that your request was not properly documented following your initial conversation with our team. As a result, another agent contacted you before the requested month had passed. We apologize apologize that your request was not properly documented and that you received additional outreach as a result.
We have since updated your contact preferences and confirmed that you have been added to our Do Not Call list. We are also addressing this internally to reinforce the importance of accurately documenting and respecting client communication requests.
We appreciate you bringing this matter to our attention. If you have any additional questions or concerns, you can reach us by calling 855-695-2255.
Best,
The Policygenius Team
The entire process was easy. Working with Warren over the phone and through email was all we needed. We provided the required information and they just handled it all. We got the opportunity to review our options, ask as many questions as we wanted, and spoke with the same agent every time.
I had been putting off life insurance for months until I heard Policygenius advertised on a podcast and decided to go for it. I got connected with Courtney who was consistently helpful, patient, and persistent. My husband and I have busy work schedules and making the time to complete interviews and forms felt like a big lift. He emphasized how simple it could be and kept us motivated -- if he hadn't been such a good communicator with so much expertise in the process I'm sure we would've kicked the can down the road on this yet again. I'm very happy we didn't.
If you are in the military, don’t waste your time with Policygenius.
If you are in the military, don’t waste your time with Policygenius.
My husband serves in the U.S. Navy and was denied life insurance coverage solely because he could potentially see combat. In other words, the very fact that he is serving his country disqualified him.
It’s incredibly disappointing to see a company make a conscious decision not to support the very people who risk their lives to protect others. Military families sacrifice more than most people will ever understand, and all we were trying to do was secure protection for our family.
If you are an active-duty service member or part of a military family, you should know that your service may be the reason you are turned away.
Reply from Policygenius2026-03-12
Hi Kasey,
Thank you for sharing your experience. We apologize for the confusion and frustration caused during the recent call with your spouse.
At the time of the call, we were unfortunately unable to locate your spouse’s existing application, which led to an incorrect understanding of the status of the request. After reviewing the situation further, we were able to confirm that your spouse already had an application in underwriting, and we’re pleased that it has since been approved.
We have since connected with you to discuss the approval and are currently working on providing additional quotes so you can review all available coverage options and choose what works best for your family.
We appreciate your patience while we worked to clarify the situation. We also want to acknowledge the service and sacrifices made by military families, and we remain committed to helping you secure the protection you are seeking. If you have any additional questions or need further assistance, you can reach us by calling 855-695-2255.
Best,
The Policygenius Team
H
Harper · 3 reviews · Experienced 2026-03-09 ·
★★★★★
Rude employees
The agent I talked to , Philip, was a conceded jerk. Besides being condescending, he suggested that our policy wouldn't be accepted because of a non- life expectancy related illness.
Reply from Policygenius2026-03-11
Hi Barbara,
Thank you for taking the time to share your experience with us. We’re sorry that your interaction with our team did not meet the level of service we aim to provide.
Our agents are trained to ask about health conditions because insurance companies use that information to determine whether a policy can be offered and what the pricing may look like. The goal of those questions is to give you the most accurate quote possible based on how similar situations have been handled in the past.
That said, we always want these conversations to feel respectful and helpful. Your feedback is important, and we will share it with our team so we can continue improving the experience we provide to our clients.
If we can assist with anything further, please feel free to reach us by calling 855-695-2255.
Best,
The Policygenius Team
A
Afryea Clark · 1 review · Experienced 2026-02-09 ·
★★★★★
I recently worked with Policygenius for…
I recently worked with Policygenius for life insurance quotes after hearing about them through Clark Howard. I had previously used Zander Insurance several years ago, so I have a basis for comparison.
My experience with Policygenius was disappointing. Communication was inconsistent, and there were noticeable delays in follow-up throughout the process. At times, I felt like I had to initiate contact to keep things moving. The quotes I received were also higher than I expected based on prior experience shopping for similar coverage.
Overall, I wasn’t impressed with the workflow or responsiveness. Because of that, I’ve decided to return to the brokerage I used four years ago. In my experience, when a system works well, there’s value in sticking with it.
While others may have a different experience, this one did not meet my expectations, and I wouldn’t use or recommend the service based on this experience.
Reply from Policygenius2026-02-12
Hi Afryea,
Thank you for taking the time to share your feedback. We’re genuinely sorry to hear that your experience did not meet your expectations.
At Policygenius, we work hard to provide clear communication and a smooth process from start to finish, so it’s disappointing to hear that you felt follow-up was inconsistent or that you needed to initiate contact to move things forward. That is not the experience we aim to deliver.
Life insurance underwriting can sometimes take longer than anticipated, particularly when medical records are reviewed or when policy changes are requested during the process. That said, we recognize that timelines and next steps should always be communicated clearly.
Regarding pricing, final rates are determined by the insurance company after a full underwriting review, which can differ from initial expectations based on medical history and other factors. We understand how frustrating it can be when an offer comes back differently than anticipated.
We respect your decision to return to a brokerage you’ve worked with before and appreciate you giving us the opportunity to assist you. Feedback like yours helps us continue improving our processes and communication.
If you’d ever like to discuss your experience further, you can reach us by calling 855-695-2255.
Best,
The Policygenius Team
E
Eri Mo · 1 review · Experienced 2025-12-04 ·
★★★★★
Great agent - thank you!
I had a pleasure of speaking to an agent named Courtney Roy - he was very well experienced and helped a lot to guide me through selecting suitable insurance plan for me. He was never pushy and was very respectful of what I was looking for, as well as my time, which I appreciated a lot. Courtney explained everything clearly and I was honestly so glad I got him as my agent as others were not as helpful as he was!
S
Stu Greenberg · 2 reviews · Experienced 2025-10-28 ·
★★★★★
Not a good experience
I was completely open and honest about my medical issues right away, giving all the information asked for to guarantee a precise initial price. Policygenius gave a lowball premium quote at first, which led to a completely erroneous expectation of affordability in spite of this full transparency. I proceeded with the application based on this figure.
When the last offer came, the lie was exposed. The premium was raised by almost $100 per month, which almost doubled the initial lowball pricing, in addition to the policy being offered at the incorrect coverage level and term length than what I had requested. This fee increase was provided following the evaluation of the medical data, demonstrating that the original price was a conscious attempt to entice me to proceed.
I asked for a copy of the recording of my first discussion with their representative to support the original statement and my complete disclosure when I contacted Policygenius to demand an explanation for this unethical modification and the term discrepancy. Policygenius has blatantly avoided accountability and shown a severe lack of transparency by refusing to reply to this request for documentation.
The entire scenario unequivocally demonstrates a bait-and-switch tactic intended to entice customers before subjecting them to wildly disparate and unreasonable prices. I have ended my association with Policygenius due to these unethical and dishonest activities.
I'm reporting Policygenius for these aggressive and deceptive practices right away by submitting formal complaints to the Federal Trade Commission (FTC) and the Better Business Bureau (BBB).
Reply from Policygenius2025-10-28
Hi Stu,
Thank you for taking the time to share your experience. We’re very sorry to hear about your frustration and disappointment with the quoting and application process.
At Policygenius, we strive to provide accurate initial estimates based on the information available at the time of quoting. However, it’s important to note that all quotes are tentative and subject to change after full underwriting, which includes the review of complete medical records and other relevant factors. The final rate is determined by the insurance carrier once this process is completed.
We understand how upsetting it can be to receive a final offer that doesn’t match initial expectations, and we take your feedback seriously. We’d be happy to review your case to confirm whether there may be better options available with a different insurance provider. Please feel free to give us a call at 855-695-2255.
Thank you again for bringing this to our attention. We appreciate the opportunity to improve and assist you further.
Best,
The Policygenius Team
T
Tamar · 1 review · Experienced 2025-10-27 ·
★★★★★
Courtney is the best!
Courtney is the absolute best!
He was so easy to work with, funny, answered all questions seamlessly--you can tell he is seasoned at what he does, and is an impeccable seller.
Didn't like how the company was pushing certain life insurance companies and how limited their information was. WEbsite was nice but they aren't trying to help consumers and are peddling products that pay them commissions
Reply from Policygenius2025-10-27
Hi Caleb,
Thank you for taking the time to share your feedback. We take comments like yours seriously and want to ensure every customer has a transparent experience. We looked for any accounts or inquiries under both your name and the contact information that you provided, but we were unable to locate any records.
If you believe this was an error or you’d like us to look into your experience further, please contact us by calling 855-695-2255. We’re happy to help clarify our process and address your concerns.
Best,
The Policygenius Team
C
Chris B · 1 review · Experienced 2025-07-29 ·
★★★★★
Applied for a policy 3 months ago and…
Applied for a policy 3 months ago and have nothing.
I'm in excellent health just a complete customer service failure.
Waste of my time and it's terrible that someone came out and did a health exam and now I need to start all over with another company. Just awful.
Reply from Policygenius2025-10-23
Hi Chris,
Thank you for taking the time to share your feedback. We’re truly sorry to hear about your experience and understand how frustrating the wait has been. Our team has reached out to you directly regarding your application and provided an update. We expect to receive your approval shortly.
We appreciate your patience as we work to finalize the process and ensure you have the coverage you applied for. Please know that your application remains a priority for us, and we’ll continue to keep you informed every step of the way.
Best,
The Policygenius Team
T
Thevansm · 5 reviews · Experienced 2025-10-15 ·
★★★★★
Frustrated and not being helped.
In 2020 I initiated two life insurance policies through Policygenius. We have since moved outside of the US and I'm finding it impossible to cancel the policies and I am not getting support from either Policygenius nor the underwriter. Trying to call them from outside the US is not working. I am frustrated and cannot stop the payments.
Struggles Update:
15 Oct: Messages left on dashboard. (No Response)
15 Oct: Emails sent to help- and teams- email address. (No Response)
16 Oct: Messages left on dashboard.
16 Oct: Emails sent to help- and teams- email.
Reply from Policygenius2025-10-17
Hi Marcel,
Thank you for reaching out and sharing your experience with us. We sincerely apologize for the difficulties you’ve encountered while trying to cancel your policies. Our team is actively working on providing you with the necessary forms and assistance to complete your cancellation request. You will hear from us shortly with the next steps.
We understand how frustrating this situation has been and appreciate your patience as we work to resolve it.
Best,
The Policygenius Team
T
Terry Greenway · 2 reviews · Experienced 2025-10-14 ·
★★★★★
The final offer was quite a bit higher…
The final offer was quite a bit higher than the initial quote. I wish I'd been advised to apply with more than one carrier so I had options to compare.
Reply from Policygenius2025-10-20
Hi Terry,
Thank you for providing this information about your experience with Policygenius. We requested additional information from you to locate your account details, but did not receive a response.
If you would be interested in having our team review your profile to check if there might be a better policy premium with a different insurance provider, please give us a call at 855-695-2255.
Best,
The Policygenius Team
R
Ryan Dunn · 2 reviews · Experienced 2025-09-15 ·
★★★★★
Scam
Policygenius name was used to try and scam for fake cloud service. Policygenius sells your info to these scammers
Reply from Policygenius2025-09-24
Hi Ryan,
Thank you for providing this information regarding your experience with Policygenius. We requested additional information from you to verify if you have interacted with our website and never received a response to this request.
Protecting personal information is important to us at Policygenius. We do not offer or partner with any cloud service providers.
If you would like to discuss this further, we would be happy to investigate this situation more. Please give us a call at 855-695-2255 at your convenience.
Best,
The Policygenius Team
Working with Courtney Roy was so refreshing. No sales pressure, relatable, funny, and genuine. This man deserves a raise and promotion. I can now sleep better at night knowing my family is taken care of with a solid life insurance policy.
C
CT Reviewer · 1 review · Experienced 2025-06-17 ·
★★★★★
No ability to compare quotes
Policygenius ads and its website claim users can "Compare prices among America's top insurers" and "makes it easy to compare personalized quotes and policies from top-rated insurers side by side." I went through the process of inputting my information for life insurance quotes, called to confirm as required, and was given exactly one quote from one insurer over the phone ONLY with my information then being sent to that one insurer and one insurer alone who has been harassing me for my personal information. At least as of June 2025, there does not appear to be any ability to compare quotes and policies "side by side" online via the website as claimed and as previous reviewers seem to refer to. I was never provided that opportunity and after my phone call was ONLY able view the single quoted policy I was locked into over the phone. Policygenius's claims regarding their service do not appear to be true.
D
Dan · 1 review · Experienced 2025-06-24 ·
★★★★★
A Great Experience
Spoke with Jonathan Duong. Having never applied for life insurance before, I wasn't sure what to expect. By the end of our conversation, I felt completely comfortable with the details and the decisions I made. Jonathan was completely clear and very patient. Thanks!
It was a pleasure talking to Jonathan Duong! He took his time and explained to me in-detail about different kinds of life insurances. He answered all my questions and explained to me in a way that I can understand it. He’s an extraordinary young man!
He is professional, courteous, kind, friendly, full of wisdom and knowledge, very patient, knows his craft very well! He treated me like someone would treat their own family!
He deserves a big promotion and a raise!!!
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