Is EZPZ an Evil Insurance Company?

Someone typed “is EZPZ an evil insurance company” into Google. And now you’re here, reading a blog post from the company itself, which is a weird place to look for an honest answer. Fair.

So let’s skip the reassurance and get to the part that actually matters: we’re not an insurance company. We’re a broker.

That sounds like a technicality. It isn’t.

Three companies, one policy, and only one of them is us

A mortgage broker doesn’t lend you money. They know the market, match you to a lender, and handle the annoying parts. We do the same thing for life insurance, and there are three separate players behind every policy we sell.

EZPZ. That’s the trading name of Tenzing Pacific Services Limited. We don’t hold your premium and we don’t underwrite risk. Our job is figuring out what you actually need, matching you to it, and staying reachable if something changes.

Unisure. This is who actually carries the risk. Unisure International Life Insurance is UK-registered and regulated by the Financial Conduct Authority. They collect the premiums, hold the reserves, and they’re the ones legally on the hook to pay a claim.

Gen Re. Even Unisure doesn’t want to sit alone with catastrophic risk. Gen Re reinsures the policies. It’s a Berkshire Hathaway subsidiary, one of the biggest reinsurers in the world.

Why does that matter? Because we’re not the ones deciding whether your claim gets paid. We don’t touch that money. So if we wanted to be evil, we’d need a pretty specific and pointless plan for it.

Follow the money

Here’s the actual question hiding inside “is this company evil”: do we make more when you make a worse decision?

No. A few reasons.

Your premium is fixed the day you sign. It doesn’t quietly climb with your age or with inflation, the way some older-style policies do. We don’t profit off a rate hike you didn’t see coming, because there isn’t one.

We also don’t sell whole life or universal life, the products that bundle insurance with a savings account and pay the biggest commissions. Those tend to underperform for the buyer. We only sell term life, which is simpler, cheaper, and does one job. That’s a lower commission for us, on purpose. We’ve written about why term usually beats whole life even though it makes us less money per client.

And we check in after the sale. Annual reviews, a heads-up if a better rate opens up. A broker who disappears the second you sign has no reason to still be useful in year five. We do, because most of our new clients come from referrals, not ads.

Are we a charity? No. We take a commission, like any broker does. But there’s a real difference between a business that makes money by helping you and one that makes money by hoping you never read the fine print. We’re trying to be the first kind. Judge for yourself whether we’re pulling it off.

The sales pitch you won’t get

The other thing that makes an industry feel gross is pressure. Being pushed to sign something you half-understand because someone’s on a quota.

We built against that on purpose. Every consultation is free and comes with no obligation to buy anything that day, that week, or ever. Our resource library exists so you can read up on term life and coverage sizing before you talk to a human, not so you’re forced to trust us blind.

And you do talk to a human, usually our founder Quinn Miller, who’s an expat and a dad and not reading off a script.

If you want to read everything, get a quote, and vanish for three weeks before deciding, go ahead. Nobody here gets paid faster because you moved fast.

What people say when we’re not in the room

We’re sitting at a 5.0 on Google right now. Instead of asking you to trust that number, here’s what a few real people said.

Sergio, an expat in Vietnam, said the process was fully digital and fast, and that he’d recommend it for protecting his family. (Read it on Google)

Josh Webber said he had no idea where to start, and his advisor walked him through it with zero sales pressure, which he said he couldn’t say about other places he’d tried. (Read it on Google)

Paul Green, based in Thailand, called the application smooth and said his advisor handled the coordination with the provider for him. (Read it on Google)

Those three aren’t cherry-picked. Go read the rest yourself. We didn’t write them and we can’t edit them.

One honest caveat

We’re not whole-of-market. We work primarily with Unisure, not every insurer that exists. If your goal is squeezing out the absolute last percentage point of savings across every provider on the planet, a full comparison site might get you closer than we will. We won’t pretend otherwise.

What we’re good for is a straight, fast, digital process with someone who’ll actually pick up the phone. Different goal, same honesty either way.

So, check our work

Every claim above is checkable without asking us anything. Fixed premiums are in the policy terms. Unisure’s status is on the FCA register, public, searchable, right now. Gen Re’s reinsurance relationships are public. Our reviews are on Google, not on a page we control.

Go look. Search “Unisure International Life Insurance FCA register” and see what comes up before you take our word for any of this.

This article is for general information only and isn’t financial or insurance advice. Speak with a licensed adviser about your specific circumstances.