FAQs

Everyone’s needs are different. Most buyers find themselves picking a number. Through our partner website, we can help you determine how much coverage you need. We can also help you design a plan that your family can follow if they ever are in a situation where they are paid out a lump sum of money from an insurance carrier ensuring that your family will remain financially stable in your absence. Visit our Free Life Insurance Calculator here.

PolicyWand brings you top-rated life insurance carriers that support a do-it-yourself online experience. Through shopping with PolicyWand you can compare each carrier and save money by shopping for the best rate for the coverage you seek.

After you decide which carrier is best for you and how much coverage you want, beginning the application process takes minutes. We provide you with a secure online portal where you can complete your application online, add policies for family members, and track the progress of your application in real time safely and securely through our online customer portal.

Yes, every agent that works for PolicyWand is licensed and available to answer any questions you have. Unlike other agencies, PolicyWand agents are not paid a commission so their only motivation is to ensure you are getting the best answers to your questions.

Unlike other online agencies like Haven Life who currently limit your death benefit, at PolicyWand you can apply for as much coverage as you need.  The carrier you pick will underwrite your application to determine if you are eligible for the benefit amount you seek.  On average, most customers choose to apply for 25 x’s their annual income as a death benefit amount.

PolicyWand offers No Exam Life Insurance options up to 10 million in coverage by clicking here.

If you are applying for up to 1 million in live insurance that does not require an in-person medical exam, most qualified applicants could have an approval within days.  If you require more than 1 million in coverage, you should have an approval within days from completing your free in-person medical exam.

Yes, if for some reason you change your mind, you can cancel your policy within the first 30 days and receive a full refund for any premium payments you’ve paid. After 30 days, you can cancel your policy at any time without any future costs or penalties.

PolicyWand only works with America’s top insurance carriers so when it comes to choosing which carrier to go with most people choose the carrier that’s offering them the best rate for the coverage amount they desire.