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Managing Wyshbox Plan

Managing Wyshbox Plan

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How do I update my beneficiary?
How do I update my personal information?
Where can I find my policy documents?
What happens when my policy expires?
Can I cancel my policy?

Wyshes

What is Wysh Tracking?
Why do I need to link a bank account for Wysh Tracking?

Extras

How does the Disability Waiver add-on work?
How does the Accelerated Death Benefit add-on work?
What is Pay (less) as you go?
How does Keep Rates Young work?

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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: ICC21.SL.TERM(06.2021), Terminal Illness ADB Rider: ICC21.ADB(03.2021), Disability WOP Rider: ICC21.DIS.RIDER(03.2021), Wellness Rider: ICC21.WELL.RIDER(03.2021). Products and their features may not be available in all states. Limitations or restrictions may apply.

Plans starting at $9/mo*/Plans start at less than $1/day*: Memberships 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. Form # ICC21.SL.TERM(06.2021).

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: 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.

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.

No doctors, no needles, starting at $9*/mo: Memberships starting at $9/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 # ICC21.SL.TERM(06.2021). Currently, we're 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.

$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: Memberships 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. Memberships 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 # ICC21.SL.TERM(06.2021).

100% digital: 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. 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.

Sign up in 9-ish minutes; less than 10 mins: You can get Wysh Life and Health Insurance Company memberships through the Wyshbox app. From beta testing users in the Wyshbox app, 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.

Instant Coverage: Instant Coverage means you can get covered under Wyshbox within minutes of confirming underwriting and signing your membership documents digitally.

Adjust Coverage Whenever: You can obtain, cancel, increase, and decrease a Wysh Life and Health Insurance Company membership 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 # ICC21.SL.TERM(06.2021)) 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.

Wyshes: Wyshes are a feature of the Wyshbox app, a product of Wysh Life and Health Insurance Company. 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. Every customer that purchases insurance from Wysh Life and Health Insurance Company will also receive a document setting forth their policy.

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: Survey containing this data was conducted with 1000 participants in the United States by Bankrate, LLC, and independent publisher unaffiliated with Wysh Life and Health Insurance Company. The data was re-published by Kelly Grant, USA Today, July 2015.

On average a parent spends $233k raising a child: The average cost of raising a child was calculated by USDA, United States Department of Agriculture, last updated March 2017. This data was republished without update in 2020 in the report "The Cost of Raising a Child." Additional information about USDA's methodology can be found at USDA.gov.

The average funeral costs almost $8,000: Source: National Funeral Directors Association, "Statistics" December, 2021. The average funeral cost was approximately $7,848 while the median cost of a funeral with cremation was approximately $6,971. Additional information and statistics can be found at https://nfda.org/news/statistics

Term life insurance can be cheaper than mortgage rate protection insurance: Source: Bank Rate article, “Mortgage protection insurance vs. life insurance vs. PMI: Who needs what?” published October 2020, mortgage protection insurance can be costlier than life insurance, at about $100 a month. For more information please see the full article https://www.bankrate.com/mortgages/mortgage-protection-insurance-vs-life-insurance-vs-pmi/

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