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ATTRACT, RETAIN & DIFFERENTIATE DEPOSITS

Life Benefit enhances your deposit offerings with built-in life insurance,
helping you attract more customers and retain them longer, all while promoting
financial inclusivity.


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Best of Show
Best Designed Financial Product
for individuals



FINANCIAL PROTECTION FOR YOUR FAMILY

Term life insurance helps you protect your loved ones. Savings+ helps you earn
more with a life insurance backstop. Get the financial protection you deserve
today.


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Featured in


The Benefits of Term Life Insurance



GET FAMILY PROTECTION IN LESS THAN 5 MINUTES


Money when they need it
Debt protection
Future planning
Final expenses
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How it works



COVERAGE IN 3 SIMPLE STEPS


1
Tell us about yourself
Answer a few short health questions
2
Personalize your coverage
Create the policy that’s right for you.
3
Get an instant decision
Apply online with no medical exams


TIME TO MAKE SOME WYSHES



See how our personalized approach can help you cover life's essentials should
you pass away. We call these needs, Wyshes, which include debts, your kid's
school tuition, and more.


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GET THE EXACT COVERAGE YOU NEED



Use our Wysh Builder to identify your Wyshes and calculate how much coverage
your life needs – no more, no less.

KEEP TRACK OF YOUR CHANGING LIFE



As your life changes, so will your needs. Manage your Wyshes as they evolve to
ensure you cover the essentials.

WYSH GRANTERS WILL BE THERE FOR YOUR FAMILY



Our dedicated team works side-by-side with the loved ones of those who have
passed to help fulfill their Wyshes.


EMPOWERING OVER 15,000 LIVES WITH FINANCIAL SECURITY & PEACE OF MIND

Take a look at what are customers are saying.

Wysh has an 'Excellent' rating from


Rated 4.6 out of 5

Read all Trustpilot reviews

The application was quick and easy

The application was quick and easy. The no need for medical underwriting was the
selling point for me. I HATE needles. It’s nice to be acknowledged for being
healthy in today’s “on the go” lifestyle most people are forced to live.

-Rebecca



5
/5

Trustpilot Verified Review
Convenient and great prices

Purchasing life insurance through wysh was a simple and easy process. They offer
competitive prices for monthly insurance premiums compared to most other
companies. I would recommend this company to friends and family.

-Aubrey



5
/5

Trustpilot Verified Review
Exceptional customer service!

This was by far the best life insurance company I've ever worked with. They were
so fast and got me an incredible rate! The user experience on the website is
also amazing and everything was super easy to understand. Simplest by far and
the best!

-Nazarena



5
/5

Trustpilot Verified Review



FINANCIAL PROTECTION MADE SIMPLE



Learning about financial protection doesn’t have to be rocket science. Read fun
and educational articles, and get answers to fundamental questions.



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START SECURING YOUR FUTURE TODAY



Apply online in less than 10 min


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The above trademarks and trade names are the property of their respective
owners. Wysh is not affiliated with any of the companies referenced above.

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Copyright © 2023 Wysh Life and Health Insurance Company (formerly known as
Greenhouse Life Insurance Company), 720 E. Wisconsin Avenue, Milwaukee, WI 53202
(life and health insurance). Wysh is a marketing name for and trademark of Wysh
Life and Health Insurance Company and Wysh Financial, LLC. Insurance products
are underwritten by Wysh Life and Health Insurance Company. Savings products are
offered through Wysh Financial, LLC. Wysh Financial, LLC is a financial
technology company, not a bank. Banking services provided by nbkc bank, Member
FDIC.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 Term Life Policy:
ICC23.SL.TERM(08.2023), Terminal Illness ADB Rider: ICC21.ADB(03.2021), Wellness
Rider: ICC21.WELL.RIDER(03.2021), FL, SC, SD - See state specific policy
numbers. Accidental Death Insurance Policy and Wellness Rider - 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 $4.57/mo* / Plans start at less than $1/day* / Life insurance
for less than $100/yr: Plans starting at $4.57/mo and less than $1/day are based
on an 18-year-old female for a 2-year term in preferred plus health class with a
plan face value of $50,000. The yearly value of this product totals to $54.84
per year, which is less than $100/yr. Form #ICC22.SL.TERM(06.2022). Individual
rates will vary based on each customer’s specific circumstances. Rate valid as
of April 12, 2023.Any previously published materials in which Wysh plans are
advertised to start at $9 per month are based on outdated pricing information.
As of April 12, 2023 the lowest cost Wysh plan is $4.57 based on the above
parameters.
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. 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 # 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 Wysh app. From beta testing users in the
Wysh 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 Wysh 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 wysh.com, the Wysh 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 article, "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 Wysh 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 Wysh within
minutes of confirming underwriting and signing your plan documents digitally and
qualifying for fully digital underwriting.
Wyshes: Wyshes are a feature of the Wysh 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 Wysh 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 (“Wysh”), 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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