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Can I reapply for coverage if I am denied a policy?
Why do you need my SSN and driver's license?
What does "referred to underwriter" mean?
What is manual underwriting?
How do you calculate my monthly premiums?
Can I add coverage for my partner or spouse to my policy?
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Do I need to take a medical exam?
Why am I seeing an alert that something went wrong when I entered my Social Security Number?

Can I reapply for coverage if I am denied a policy?

April 20, 2023 12:00
Updated

In the event that you are denied, there is a waiting period of 30 days before you can apply once more.

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Copyright © 2022 Wysh Life and Health Insurance Company (formerly known as Greenhouse Life Insurance Company), 720 E. Wisconsin Avenue, Milwaukee, WI 53202 (life and health insurance). Wyshbox is a marketing name for Wysh Life and Health Insurance Company. The Wysh Life and Health Insurance Company term life product application asks certain lifestyle and health questions to help avoid requiring a medical exam. Insurance is subject to underwriting. Individual life policy contract: ICC22.SL.TERM(06.2022), Terminal Illness ADB Rider: ICC21.ADB(03.2021), Wellness Rider: ICC21.WELL.RIDER(03.2021). Accidental Death policy contract: 22.AD.PF(08.2022), Wellness Rider: 22.AD.WR(08.2022). See state specific policy numbers. Products and their features may not be available in all states. Limitations or restrictions may apply.

Life Insurance

Plans starting at $9/mo*/Plans start at less than $1/day* Life insurance for less than $250/yr*: Plans starting at $9/mo and less than $1/day are based on a 25-year-old female for a 10-year term in preferred plus health class with a plan face value of $155,000. The yearly value of this product totals to $108 per year, which is less than $250/yr. Form # ICC22.SL.TERM(06.2022).

Save up to 40%* with personalized life insurance/customized coverage: This stat is based on an 1800 person quantitative research study done by NM GSB, LLC, a Wysh Life and Health Insurance Company affiliate, in November 2020. The study found that, on average, consumers could save 40% on life insurance premiums by going through a process that identified their unique needs and limited their coverage to those needs.

Life insurance that can pay off your mortgage/We can kill your debts if you die: Your beneficiary/beneficiaries ultimately decide how your life insurance payout is used. If they give us (Wysh Life and Health Insurance Company) the green light, we'll work directly with your lender to pay off or pay down your mortgage debt.

Life insurance that can shoot your ashes to space: Your beneficiary/beneficiaries ultimately decide how your life insurance payout is used. If they give us (Wysh Life and Health Insurance Company) the green light, we'll work directly with companies that arrange for cremated ashes to be sent to space.

$155,000 of coverage starts at $9/mo / $759,000 of coverage starts at $18/mo / $1,300,000 of coverage starts at $30/mo: Plans starting at $9/mo, $18/mo, and $30/mo are based on a 25-year-old female for a 10-year term in preferred plus health class with a plan face value of $100,000. Plans starting at $11/mo are based on a 25-year-old female for a 10-year term in preferred plus health class with a plan face value of $155,000. Form # ICC22.SL.TERM(06.2022).

Sign up in 9-ish minutes; less than 10 mins: You can get Wysh Life and Health Insurance Company plans through the Wyshbox app. From beta testing users in the Wyshbox app/website, we've found that you can get coverage with us within 9-10 minutes. Times to complete the application will vary based on the specific circumstances of the application and qualifying for fully digital underwriting.

Adjust Coverage Whenever: You can obtain, cancel, increase, and decrease a Wysh Life and Health Insurance Company plan within the Wyshbox app environment. Additional underwriting may be required.

If you die, your loved ones can get paid in days not weeks: To make a claim, we always need a completed claims form and a death certificate. Once we get these, our customer service team will verify all documents and work with the beneficiary to honor the deceased's Wyshes. We'll always try to work through these claims as quickly as possible; we aim to resolve claims within days of confirmation of the death. However, mitigating factors, including delays in receiving third-party verification and further investigation requirements of the death, may prevent us from doing this.

Extend until you're 65: At Wysh Life and Health Insurance Company, we offer term life insurance (form # ICC22.SL.TERM(06.2022)) to the age of 65. Extensions of policies that expire prior to age 65 may require additional underwriting and may not result in extended coverage.

Lock in lower rates / Keep Rates Young: Locking in lower rates and our "Keep Rates Young" feature are based on continuing at the same health level. Additional underwriting may be needed for extensions and changes of coverage that could impact rates.

Easy to Get: The adjective "easy" as used on wyshbox.com, the Wyshbox app, and any other advertisements or documentation discussing the insurance of Wysh Life and Health Insurance Company refers to the user experience. The word "easy" is not meant to imply or convey that everyone will qualify for or receive insurance from Wysh Life and Health Insurance Company.

66% of Parents Have Life Insurance: Bankrate article, “Survey: How many of us have life insurance? And how many have enough of it?”, July 2015.

On average a parent spends $233k raising a child: United States Department of Agriculture article, “The Cost of Raising a Child,” March 2017.

The average funeral costs almost $7,000 - $8,000: National Funeral Directors Association, "Statistics" December, 2021.

Term life insurance can be cheaper than mortgage rate protection insurance: Bank Rate article, “Mortgage protection insurance vs. life insurance vs. PMI: Who needs what?” October 2020.

70% of families with children under 18 rely on the mother’s salary: This stat is based on a quantitative research study conducted by NM GSB, LLC, an affiliate of Wysh Life and Health Insurance Company, on 1200 participants in November 2021. Participants were asked if their families relied, in part or in whole, on the mother’s salary.

General

No doctors, no needles: Currently, we don't ask you to take a medical exam to complete your application. However, we'll use the digital medical info we pull (authorized by you) to determine whether we can offer coverage.

100% digital/100% online: At Wysh Life and Health Insurance Company, we automate the underwriting process, application, and issuance of life insurance memberships through our product, the Wyshbox app contingent on not opt-ing out of e-delivery and qualifying for fully digital underwriting. Users have the option to engage with our customer service through a live chat via our website, email, and telephone number—however, this is not a requirement.

Instant Coverage: Instant Coverage means you can get covered under Wyshbox within minutes of confirming underwriting and signing your plan documents digitally and qualifying for fully digital underwriting. This is not a guarantee that you'll get a plan, and it does not mean that you can get coverage without underwriting. Wysh Life and Health Insurance Company requires underwriting and verification of user data for all individual term life coverage.

Wyshes: Wyshes are a feature of the Wyshbox app/website. Wyshes are a way for members to plan their life insurance needs and communicate to their beneficiaries how they'd like their life insurance spent. While the beneficiary is under no legal obligation to honor the Wyshes, if the beneficiary agrees to honor them, Wysh Life and Health Insurance Company customer service representatives will attempt to fulfill the Wyshes to the best of their abilities and in accordance with known laws and limitations.

Membership: Membership is a term we use to describe Wysh Life and Health Insurance Company policy holders and Wyshbox app users. We use this term because the experience we offer is ongoing, allowing customers to adjust coverage and modify Wyshes.

Since 1972/ 50 years: Wysh Life and Health Insurance Company (“Wyshbox”), acquired Greenhouse Life Insurance Company in 2021, formerly known as National Teachers Life Insurance Company, Advanta Life Insurance, Smart Insurance, and United Prosperity Life Insurance. Initial license was issued in 1972 in the state of Arizona.

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