# Policygenius 评价与评分 > 来源: OK.one — https://ok.one/review/policygenius.com - 域名: policygenius.com - 分类: 金钱与保险 - 综合评分: 4.5 / 5 (200 条评价) - 评分分布 5→1 星: 83% / 3% / 4% / 2% / 9% - 所在地: United States · New York, NY - 数据更新: 2026-08-31 Policygenius（policygenius.com）在 OK.one 的综合评分为 4.5 分（满分 5 分），基于本站收录的 200 条用户评价，属于金钱与保险分类，口碑优秀。86% 的评价为 4 星及以上，9% 为 1 星；商家回复了 76% 的差评；近 12 个月新增 15 条。数据最后更新于 2026-08-31。 ## 最新评价(第 1/10 页) ### ★☆☆☆☆ 只提供了一份报价，我保留了…… - Charles · 2026-07-24 只提供了一份报价，我每天都会收到垃圾邮件和电话 10-20 次。远离！ > 商家回复 (2026-07-31): 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 ### ★★★★★ 整个过程很简单 - Marilyn Acosta · 2026-07-06 整个过程很简单。我们所需要的只是通过电话和电子邮件与沃伦合作。我们提供了所需的信息，他们就处理了这一切。我们有机会审查我们的选择，提出尽可能多的问题，并且每次都与同一个代理人交谈。 ### ★★★★★ 它很快而且足够并且帮助我...... - Samantha Campbell · 2026-04-17 它很快而且足够，帮了我很多忙。 ### ★★★★★ 我一直在推迟人寿保险... - Liv · 2026-04-16 我已经推迟了几个月的人寿保险，直到我在播客上听到了 Policygenius 的广告，并决定购买。我与考特尼建立了联系，她一直乐于助人、耐心且坚持不懈。我和丈夫的工作日程都很繁忙，腾出时间来完成面试和填写表格感觉就像是一个很大的提升。他强调了这件事是多么简单，并让我们保持动力——如果他不是一个很好的沟通者，在这个过程中拥有如此丰富的专业知识，我相信我们会再次在这件事上搁置。我很高兴我们没有这么做。 ### ★☆☆☆☆ 如果您在军队，请不要在 Policygenius 上浪费时间。 - Kasey Thompson · 2026-03-12 如果您在军队，请不要在 Policygenius 上浪费时间。 我的丈夫在美国海军服役，但被拒绝提供人寿保险，只是因为他可能会参加战斗。换句话说，他为国家服务的事实本身就取消了他的资格。 看到一家公司有意识地决定不支持那些冒着生命危险保护他人的人，真是令人难以置信的失望。军人家庭做出的牺牲超出了大多数人的理解，而我们所做的一切就是为我们的家人提供保护。 如果您是现役军人或军人家庭的一员，您应该知道您的服役可能是您被拒之门外的原因。 > 商家回复 (2026-03-12): 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 ### ★☆☆☆☆ 粗鲁的员工 - Harper · 2026-03-11 与我交谈的经纪人菲利普是个公认的混蛋。除了居高临下之外，他还表示我们的保单不会因为与预期寿命无关的疾病而被接受。 > 商家回复 (2026-03-11): 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 ### ★★☆☆☆ 我最近与 Policygenius 合作...... - Afryea Clark · 2026-02-11 在通过克拉克·霍华德听说后，我最近与 Policygenius 合作提供人寿保险报价。我几年前曾使用过Zander Insurance，所以我有比较的基础。 我对 Policygenius 的体验令人失望。沟通不一致，整个过程的跟进明显滞后。有时，我觉得我必须主动联系才能让事情继续下去。根据之前购买类似保险的经验，我收到的报价也高于我的预期。 总的来说，我对工作流程或响应能力印象不深。因此，我决定回到四年前使用的经纪公司。根据我的经验，当一个系统运行良好时，坚持下去就很有价值。 虽然其他人可能有不同的体验，但这个没有达到我的期望，我不会根据这种体验使用或推荐该服务。 > 商家回复 (2026-02-12): 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 ### ★★★★★ 很棒的经纪人 - 谢谢！ - Eri Mo · 2025-12-05 我很高兴与一位名叫 Courtney Roy 的代理人交谈 - 他经验丰富，在为我选择合适的保险计划方面提供了很多帮助。他从不咄咄逼人，非常尊重我正在寻找的东西以及我的时间，对此我非常感激。考特尼清楚地解释了一切，说实话，我很高兴能得到他作为我的经纪人，因为其他人没有他那么有帮助！ ### ★☆☆☆☆ 不是一次好的经历 - Stu Greenberg · 2025-10-28 我立即对我的医疗问题完全开放和诚实，提供了所需的所有信息以保证准确的初始价格。 Policygenius 一开始给出了一个低价的保费报价，尽管完全透明，但这导致了对负担能力的完全错误的预期。我根据这个数字进行了申请。 当最后的报价到来时，谎言就被揭穿了。保费每月增加了近 100 美元，这几乎是最初低价的两倍，此外，所提供的保单的承保范围和期限长度与我所要求的不正确。此次费用上涨是在对医疗数据进行评估后提出的，这表明原来的价格是有意识地试图诱使我继续进行。 当我联系Policygenius要求对这种不道德的修改和术语差异做出解释时，我要求提供我与他们的代表第一次讨论的录音副本，以支持原始声明和我的完整披露。 Policygenius 拒绝回应这一文件请求，公然逃避责任，并表现出严重缺乏透明度。 整个场景明确地展示了一种诱饵和转换策略，旨在吸引客户，然后让他们接受截然不同且不合理的价格。由于这些不道德和不诚实的活动，我已终止与 Policygenius 的合作。 我将立即向联邦贸易委员会 (FTC) 和商业改善局 (BBB) 提交正式投诉，举报 Policygenius 的这些侵略性和欺骗性做法。 > 商家回复 (2025-10-28): 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 ### ★★★★★ 考特尼是最棒的！ - Tamar · 2025-10-28 考特尼绝对是最棒的！ 他很容易合作，很有趣，无缝地回答了所有问题——你可以看出他对他所做的事情经验丰富，并且是一个无可挑剔的卖家。 ### ★☆☆☆☆ 公司没有照顾我 - caleb pettit · 2025-10-27 不喜欢该公司如何推动某些人寿保险公司以及他们的信息是多么有限。 网站很好，但他们并没有试图帮助消费者，而是兜售向他们支付佣金的产品 > 商家回复 (2025-10-27): 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 ### ★☆☆☆☆ 3个月前申请了保单并且...... - Chris B · 2025-10-20 三个月前申请了保单，什么都没有。 我身体状况很好，只是客户服务完全失败。 浪费我的时间，而且很糟糕的是有人出来做了健康检查，现在我需要在另一家公司重新开始。太糟糕了。 > 商家回复 (2025-10-23): 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 ### ★☆☆☆☆ 感到沮丧并且没有得到帮助。 - Thevansm · 2025-10-15 2020 年，我通过 Policygenius 购买了两份人寿保险。此后我们搬到了美国境外，我发现不可能取消这些保单，而且我没有得到 Policygenius 和承保人的支持。尝试从美国境外给他们打电话是行不通的。我很沮丧，无法停止付款。 奋斗更新： 10 月 15 日：仪表板上留下消息。 （没有回应） 10 月 15 日：电子邮件发送至帮助和团队电子邮件地址。 （没有回应） 10 月 16 日：仪表板上留下消息。 10 月 16 日：电子邮件发送至帮助和团队电子邮件。 > 商家回复 (2025-10-17): 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 ### ★★★☆☆ 最终的报价还是高了一些…… - Terry Greenway · 2025-10-15 最终的报价比最初的报价高了很多。我希望有人建议我向多家运营商申请，这样我就有比较的选择。 > 商家回复 (2025-10-20): 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 ### ★☆☆☆☆ 骗局 - Ryan Dunn · 2025-09-15 Policygenius 名称被用来尝试诈骗虚假云服务。 Policygenius 将您的信息出售给这些骗子 > 商家回复 (2025-09-24): 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 ### ★★★★★ 与考特尼·罗伊的合作是如此…… - Geoff Garber · 2025-07-24 与考特尼·罗伊一起工作真是令人耳目一新。 没有销售压力，有亲和力，有趣且真诚。 这个人值得加薪和晋升。 现在，我知道我的家人得到了可靠的人寿保险的照顾，所以我晚上可以睡得更好。 ### ★☆☆☆☆ 无法比较报价 - CT Reviewer · 2025-07-01 Policygenius 广告及其网站声称用户可以“比较美国顶级保险公司的价格”，并且“可以轻松地并排比较顶级保险公司的个性化报价和保单”。我经历了输入人寿保险报价信息、按要求打电话确认的过程，并通过电话得到了一家保险公司的一份报价，然后我的信息被发送给那一家保险公司，而且只有一家保险公司一直在骚扰我的个人信息。至少截至 2025 年 6 月，似乎没有任何能力通过该网站在线“并排”比较报价和保单，正如之前的评论者所提到的那样。我从未获得过这样的机会，在我打完电话后，我只能查看我通过电话锁定的单一报价保单。 Policygenius 关于其服务的说法似乎并不属实。 ### ★★★★★ 很棒的经历 - Dan · 2025-06-25 与乔纳森·杜昂交谈。以前从未申请过人寿保险，我不确定会发生什么。在我们的谈话结束时，我对我所做的细节和决定感到完全满意。乔纳森非常清楚并且非常有耐心。谢谢！ ### ★★★★★ 很高兴与乔纳森交谈...... - Sandra V · 2025-06-12 很高兴与 Jonathan Duong 交谈！他不紧不慢地向我详细解释了不同种类的人寿保险。他回答了我所有的问题，并以我能理解的方式向我解释。他是一个非凡的年轻人！ 他专业，有礼貌，善良，友好，充满智慧和知识，非常有耐心，非常了解他的手艺！他对待我就像对待自己的家人一样！ 他应该得到大幅晋升和加薪！ ### ★★★★★ 考特尼太棒了 - Allyson Wetzel · 2025-05-15 考特尼非常乐于助人而且细心。 他加倍努力抽出时间来提供帮助。 --- - 全部评价与筛选: https://ok.one/review/policygenius.com - JSON 接口: https://ok.one/api/companies/policygenius.com - 评分口径与数据来源: https://ok.one/methodology/