Since 1994
By Gil G Edwards, RICP®, Founder & CEO, Termco · Licensed agent, NPN 676445 · Updated
At a glance
| Termco | Policygenius | |
|---|---|---|
| Business model | Independent agency; compares term life from multiple insurers | Independent insurance broker comparing quotes from multiple insurers source (last checked Oct 2026) |
| Who helps you | A licensed Termco agent reviews your situation with you | Online comparison tools plus access to licensed agents source (last checked Oct 2026) |
| Term lengths | 10, 15, 20, 30 and 40-year terms, depending on carrier and age | Term policies described as usually 10 to 40 years source (last checked Oct 2026) |
| Other insurance | Term life focus; long-term care available on request | Also offers home, auto, disability, renters and more source (last checked Oct 2026) |
| How they're paid | Paid commission by the insurer; no fee to you (details) | Paid a commission by insurance companies; no extra cost to you source (last checked Oct 2026) |
| Background | Founded 1994 by Gil G Edwards, RICP® | Launched 2014; acquired by Zinnia in 2023 source (last checked Oct 2026) |
When Policygenius may be the better choice
- You prefer to compare quotes side by side online before talking to anyone.
- You want home, auto or disability insurance from the same platform.
- You like reading a large library of fact-checked articles as you shop.
When Termco may be a better fit
- You'd rather work directly with a small team led by an agent with 30+ years in the business.
- Your health history (diabetes, high blood pressure, sleep apnea, GLP-1 use) means carrier matching matters more than a price grid.
- You want a single point of contact from quote through policy delivery.
Either way, the price of a given policy from a given insurer is set by that insurer and filed with regulators, so it generally doesn't depend on which licensed agency you buy through. What differs is which insurers you can compare, how your application is guided, and who you talk to. For more, see online life insurance vs. an independent agency.
Want a second opinion?
Share a few basics and a licensed Termco agent will follow up with options. No obligation, and you're welcome to compare us with anyone.
Frequently asked questions
Is Termco affiliated with Policygenius?
No. Termco is an independent agency and is not affiliated with, endorsed by or sponsored by Policygenius.
Will a policy cost less through Termco or Policygenius?
For the same policy from the same insurer, the premium is generally the same no matter which licensed agency you use. Differences come from which insurers are compared and how your application is matched and guided.
Can I get quotes from both?
Yes. It is your decision. Comparing is reasonable, but avoid submitting several full applications to different insurers at once without guidance.
Competitor names are used only to identify their services for comparison. Termco is not affiliated with, endorsed by or sponsored by any company named on this page. Competitor information comes from each company's own website as linked, last checked October 2026, and may have changed since. Please confirm details on their sites. Termco's products and availability vary by state, and all coverage is subject to underwriting by the issuing insurer.