Let’s be honest, shopping for insurance kind of sucks. It’s confusing, stressful and not to mention probably the least exciting thing to do.

The process of purchasing a policy can be intimidating. Thats probably why 4 out of every 10 people in the U.S. do not own a life insurance policy at all. Then PolicyGenius came along and changed everything.

Policy Genius is attempting to push buying insurance into the 21st Century by making it digital and accessible to everyone. The founders of this Brooklyn based company are trying to shift the way people think about insurance and it’s importance by changing the way we shop for it.

No More Excuses

While it is a very important part of protecting your family finances, insurance tends to be pushed to the wayside. Paying the mortgage, putting food on the table, and keeping the lights on come first of course.

Most Americans don’t buy life insurance because they think it’s really expensive and completely overestimate the price. Getting insurance doesn’t have to break the bank. Depending on your health, you can probably get a policy for less then your cell phone bill.

The door to door salesman is relic of the past. Filling out a million forms and talking to pushy insurance dealers on the phone have all been cut out of the equation. PolicyGenius allows you to buy insurance from your couch while binge watching your favorite show on Netflix.

A Chat With the CEO

We talked with Jennifer Fitzgerald, one of the co-founders and CEO of PolicyGenius about their service and their mission. They focus on the four insurances that people generally need: renter’s, life, disability, and pet insurance. PolicyGenius will help you figure out exactly which of these you need and get you covered.

Not only do they want to make the process of buying insurance easier but also want to educate you on what you’re buying.

Their focus is on streamlining the process and making it easy to understand. In minutes you can compare quotes from top insurance providers and can get the details of each policy without leaving the site.

What Kinds of Insurance Do They Offer?

Life

You’re young and healthy. Nothing is going to happen to you, right? Probably not, but if someone you love would be financially impacted if you died, than you should seriously consider getting life insurance.

I know, it’s depressing to think about, but you don’t want to leave your loved ones high and dry in the event something happens to you. Life insurance will help replace your income and help your family meet many important financial needs.

The great news is that it’s very affordable while you are still young and healthy. You might not need it now but the point is you need to have it before you actually do.

Disability

Long term disability insurance is to protect people who have a long term injury or illness that keeps them from working. Many employers do still provide it to their employees, but are lowering the payouts and employees need to buy more coverage on their own dime. Long term disability is one of the leading causes of bankruptcy.

Pet