If you have ever had a sick pet, you know how much the vet costs. Long-term disability is one of the leading causes of bankruptcy. 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 insurance coverage on their own dime. You might not need it now, but you need to have it before you do. The great news is that it’s very affordable while you are still young and healthy. Life insurance will help replace your income and help your family meet many important financial needs. PolicyGenius allows you to buy insurance from your couch while binge-watching your favorite show on Netflix. Filling out a million forms and talking to pushy insurance agent on the phone have all been cut out of the equation.

The door to door salesman is a relic of the past. You can probably get a policy for less than your cell phone bill depending on your health. Getting insurance doesn’t have to break the bank. Most Americans don’t buy life insurance because they think it’s expensive and completely overestimate it. Paying the mortgage, putting food on the table, and keeping the lights on come first of course. While it is a very important part of protecting your family finances, insurance tends to be pushed to the wayside. Most importantly, they are by changing the way we shop for it. The founders of this New York City-based company are changing the insurance industry and shifting the way people think about insurance. Policy Genius is attempting to push buying insurance into the 21st Century by making it digital and accessible to everyone. That’s probably why 4 out of every 10 people in the United States do not own a life insurance policy at all. Then PolicyGenius came along and changed everything about insurance shopping. The process of purchasing an insurance policy can be intimidating. It’s confusing, stressful and not to mention probably the least exciting thing to do. Let’s be honest shopping for insurance kind of sucks.

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