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Goosehead Life Insurance Review 2025

Goosehead life insurance review logo on a green background with credit cards and coins.
Goosehead Life Insurance: Is it the right life insurance to protect your family? Goosehead Insurance

Goosehead Insurance is a broker that works with various insurance companies to provide consumers with options tailored to their needs. While Goosehead's primary focus is on home, condo, auto, and renters insurance, it can also help with life insurance.

Business Insider compared Goosehead's offerings to the best life insurance companies and found it to lag behind its competitors. 

Goosehead Life Insurance Pros and Cons

Goosehead Life Insurance Pros

  • Can provide support dealing with insurance providers

Goosehead Life Insurance Cons

  • Limited life insurance options
  • Potential service costs in addition to insurance premiums

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Goosehead Life
Learn more
Compare policies and rates
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.62/5
Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broker agent with licensed agents in all 50 states
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Guaranteed coverage options for seniors between set ages
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low rates on no medical exam and other small policies
Cons
  • con icon Two crossed lines that form an 'X'. Company customer service line seems very unreliable
  • con icon Two crossed lines that form an 'X'. Underwriting and policy details not available for Goosehead's second life insurance partner
  • con icon Two crossed lines that form an 'X'. Ethos does not offer larger life insurance policies with the riders many customers would prefer to see

Compare Goosehead Life Insurance

Ethos Life
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On Ethos's website
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.37/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Learn why Ethos was rated as Business Insider's best life insurance for guaranteed coverage. Apply for life insurance online in just a few minutes with Ethos' simple application. No medical exams are required. Just answer a few health questions—many customers enjoy same-day coverage!

JD Power Customer Satisfaction Rating

Not Rated

AM Best Financial Strength Rating

A

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 100% online application process, quotes in minutes
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage starts immediately once approved
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies renewable up to age 94 for qualifying applicants
Cons
  • con icon Two crossed lines that form an 'X'. No conversion options to turn term policies to whole life for no exam policies
  • con icon Two crossed lines that form an 'X'. Whole life policy limits are lower
Corebridge Direct
Get quotes
On Corebridge's website
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.25/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Corebridge is rated Business Insider's best affordable term life insurance and the best company for universal life insurance coverage. Get $250,000 of Term Life Insurance Coverage for as low as $13 per month.

JD Power Customer Satisfaction Rating

762

AM Best Financial Strength Rating

A

Average Price

$19 for males and $16 for females per month

Deductible Options

N/A

Reimbursement Options

Up to $2 million

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Guaranteed life insurance available for seniors between 50 and 80
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High financial strength and customer service ratings
Cons
  • con icon Two crossed lines that form an 'X'. Some policies only have benefits up to $25,000
  • con icon Two crossed lines that form an 'X'. AIG may not offer more extensive death benefits for seniors
Amica Life Insurance
Get quotes
On Amica's website
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.87/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Business Insider considers Amica to be a strong contender for term and whole life coverage. Compare options and discover the right policy for you.

JD Power Customer Satisfaction Rating

N/A

AM Best Financial Strength Rating

A+ (Superior)

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers level term and whole life policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discount and bundling opportunities
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
Cons
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. No universal policies
  • con icon Two crossed lines that form an 'X'. Online complains indicating life insurance service does not match other Amica products
Product Details
  • Term life and whole life

Goosehead Life Insurance Review

Goosehead Life Insurance is not an insurance provider, so it does not underwrite insurance products. Instead, the company represents insurance companies selling as a third party. As a broker, Goosehead Insurance is not beholden to a single carrier, so agents work on your behalf to find the best policy for you. The company offers a wide range of insurance products such as auto, home, renters, and condo insurance. It also offers some life insurance.

However, when it comes to life insurance, Goosehead's offerings are limited. Based on what we know about its life insurance partners, seniors looking for a small death benefit may appreciate the partnership and options Goosehead offers. However, clients looking for more considerable death benefits and whole policies with living benefits may not find suitable options with Goosehead.

It's also worth mentioning that an abundance of customer reviews mention that Goosehead agents are hard to reach once you purchase your policy.

Ultimately, life insurance isn't Goosehead's forte. If you're in the market for auto, home, renters, or condo insurance, it may be worth your time to request a quote. However, if you're buying life insurance, using Goosehead may be more inconvenient than applying directly with an insurance provider.

Goosehead Life Insurance Plans Available

Goosehead makes it simple to review your options, so you know what's available and that you're getting the best price possible. The company provides home, auto, and other insurance products, including life insurance. These products are provided through a network of brokers. Its most prominent partners are Ethos Life Insurance and Insurance Designers of Dallas.

Ethos Life Insurance Policies

As a Goosehead Insurance partner, Ethos Life offers consumers term life insurance and whole life insurance products. Term life insurance is set for a predetermined term of your choosing. In other words, if anything happens to the policyholder within the term, the beneficiary is eligible for a death benefit payout. However, if the buyer dies outside the agreed-upon term, the beneficiary will not receive anything. Some term policies can be renewed or converted to whole life policies.

Whole life insurance is another option covering the policyholder for life. Any permanent life insurance, such as whole life, comes at a higher cost. However, the benefit does not expire.

Term life insurance

  • Coverage from $20,000 to $2 million
  • Various term lengths, including 10, 15, 20, and 30-year terms
  • Available for consumers between the ages of 20 and 65
  • Medical exams are not required for most policies
  • Applications are completed online
  • 30-day money-back guarantee with no cancellation fees
  • Policies are guaranteed renewable until age 95 without underwriting
  • Each renewal will reduce coverage and increase premiums
  • Accelerated death benefits are not available; death benefits only

Whole life insurance

  • Coverage from $1,000 to $30,000
  • The rate remains fixed over time and doesn't change
  • No medical exam, just health questions to answer
  • The policy remains in effect as long as you make payments
  • If you reach age 100, you'll no longer be required to make payments, and beneficiaries will still receive the death benefit
  • Guaranteed level premiums
  • Based on health status and state eligibility, benefits can start immediately or within two to three years
  • Accidental deaths are covered right away
  • Approval is guaranteed for buyers between the ages of 66 and 85

Insurance Designers of Dallas

Insurance Designers of Dallas is another company partnered with Goosehead. Like Ethos, IDD does not offer its own insurance policies. Instead, it connects business clients with its life insurance partners. 

IDD has connections with 25 life insurance providers including some major life insurance providers like New York Life, Mutual of Omaha, and MassMutual. Through these partnerships, IDD offers various policies including:

  • Term Life
  • Universal Life and Survivor Universal Life
  • Indexed Universal Life and Survivor Indexed Universal Life
  • Variable Universal Life
  • Whole Life

Additional Coverage Options from Goosehead Insurance

Goosehead Life Insurance agents may discuss specific riders for your policy. A rider is an optional add-on to boost your coverage or add particular benefits to your policy. An example would be adding a term booster to a whole life policy. You'd have a whole life policy locked in, but your death benefit would be higher for a given term.

Ethos Life Insurance, one of the Goosehead partners, offers two extra riders with its term life insurance:

  • Guaranteed renewable: The insurer cannot drop the insured person if they pay scheduled premiums. This rider does not guarantee premiums or a set coverage limit.
  • Guaranteed level premiums: A term policy's premium will stay the same throughout the policy. This rider wouldn't apply if the buyer renewed the policy.

Eligible Ethos policyholders also get free will and estate planning services to help them pass on assets, choose guardians for their children, and protect their families. Estate planning tools are available with the purchase of an eligible policy.

You can ask an agent at Goosehead about all potential riders available if you're interested in getting a life insurance policy.

Goosehead Life Insurance Cost

Your life insurance rates, or how much you pay per month, will vary based on the type of policy you purchase, the coverage amount, age, and health history. Goosehead quotes must be obtained by an agent.

However, we can use Ethos' instant life insurance quote tool to see what a policy may cost. We obtained quotes for someone in excellent health taking out a $500,000, 20-year policy. For comparison, we also included the average cost for the same policy, according to data from Policygenius.  

AgeSexEthos QuotesAverage Cost
20Female$16-$30$23
20Male$21-$39$30
30Female$17-$31$23
30Male$23-$40$29
40Female$29-$50$35
40Male$38-$69$43
50Female$70-$119$78
50Male$89-$158$102
60Female$186-$342$194
60Male$298-$477$269

How to File a Claim With Goosehead Life Insurance

If you have a life insurance policy from Goosehead and need to file a claim, the company has a dedicated Claims Report Line at 866-260-5151.

Goosehead agents are available Monday through Friday, 7 a.m. to 7 p.m., across U.S. time zones. You can also fill out a form on the company's Contact Us page.

Goosehead Life Insurance Customer Reviews and Ratings

Goosehead has mixed reviews online, receiving an average of 3.6 stars out of five on Yelp and 1.64 stars on its Better Business Bureau page. Reviewers mentioned unresponsive and misleading brokers and problems renewing insurance policies. It's worth mentioning that these reviews concern Goosehead as a whole, not just its life insurance services. 

Since Goosehead is not an insurance provider, it doesn't have the usual third party ratings like the Company Complaint Index rating from the National Association of Insurance Commissioners or a customer satisfaction rating from JD Power. 

Why You Should Trust Us: How We Reviewed Goosehead Life Insurance

As Goosehead is not an insurance provider, we instead looked at the partners it works with and their offerings to get an idea of what you'll find working with a Goosehead agent. We also looked at customer reviews to see how satisfied previous customers were with their service.

You can read more about how Business Insider reviews life insurance.

FAQs

Does Goosehead Insurance offer life insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Goosehead Insurance does not offer its own life insurance policies. Instead, it's a broker, connecting customers to the appropriate insurance company based on their needs.

How big is Goosehead Insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Goosehead Insurance partners with more than 140 insurance providers to offer various insurance products to consumers. The company has between 501 and 1,000 employees, according to Indeed. However, it only partners with two companies, one being another broker, for life insurance.

Does Goosehead Insurance have life insurance riders? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Goosehead Insurance does not offer its own life insurance riders, but its partner Ethos offers some life insurance riders including will and estate planning services.

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