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Health I.Q. Life Insurance Review

Rating: 9.2 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
Founded in 2014, Health I.Q. is an innovative life insurance company helping health-conscious individuals like runners, cyclists, and yogis find affordable life insurance coverages from leading industry providers, among them Ameritas, Prudential, Assurity, and SBLI. Health I.Q. holds a Trustpilot score of 9.3 (Excellent).

How is Health I.Q. rated?

Breakdown

10/10
Financial Strength
10/10
Customer Experience
8/10
Policies
8/10
Flexibility

Overall Rating: 9.2 / 10 (Excellent)

Based on their own research and other scientific data that conclude health literate individuals tend to live longer and be less likely to suffer metabolic disorders such as diabetes, Health I.Q. offers special rates and better underwriting for health-conscious, active individuals. The company takes a fresh approach to life insurance, offering competitive rates from industry-leading carriers, as well as policies tailored to individual needs and budgets. For those who lead healthy, active lifestyles and are looking for excellent service and unbeatable rates, Health I.Q. is the best option on the market.

Financial Strength

Key Details

Standard & Poor's Financial Rating
AA+
Moody's Financial Rating
Aaa
AM Best Financial Rating
A++

Financial Strength - 10 / 10

Health I.Q. offers term life insurance quotes from highly rated carriers such as SBLI, Ameritas, Prudential, Banner, Lincoln Financial, New York Life, Mutual of Omaha, Transamerica, Assurity, John Hancock, and other major insurance companies. Many of the insurers working with Health I.Q. have been listed among the best life insurance companies of 2016 by JD Power and hold strong financial strength ratings from A.M. Best, S&P, and Moody's. Customers working with Health I.Q. will therefore have access to some of the most solidly rated life insurance institutions in the country.
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: New York Life.

Reputation & Customer Experience

Customer Ratings

Trust Pilot Rating
9.7 out of 10
BBB Rating
A
Date Collected
2017-08-30

Customer Experience - 9.5 / 10

Health I.Q. has received outstanding customer reviews on sites like Trustpilot.com, with clients praising their excellent service, affordable quotes, easy application process, and approachable team of knowledgeable professionals. Health I.Q. currently holds a Trustpilot score of 9.7 (Excellent) and is a BBB accredited business with an A rating.

Health I.Q. Policies

Health I.Q. offers customers the following life insurance policies: Term. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the Health I.Q. Term Life policy.

Term Life Insurance

Available Terms
10 year
15 year
20 year
25 year
30 year

Policies - 8 / 10

Health I.Q. specializes in providing term life insurance policies for health-conscious individuals at competitive rates. The company, in partnership with industry-leading life insurers such as Assurity, SBLI, and Ameritas, aims to provide the best products at the lowest prices. This does, however, somewhat limit the options Health I.Q. can provide. Customers looking for the investment or savings components of whole or variable policies will have to look elsewhere.

Flexibility & Available Riders

Available Carriers

SBLI, Ameritas, Prudential, Banner, Lincoln Financial Group, New York, Life, Mutual of Omaha, Transamerica, Brighthouse Financial, Principal Financial, Assurity Life Insurance Company, John Hancock, Legal & General America, Securian

Flexibility - 8 / 10

Although Health I.Q. does not offer a wide variety of optional riders when compared to most other carriers, their product takes a new approach to life insurance, providing athletes, better quotes, excellent service, and term life policies tailored to their lifestyles. The company also promises a better underwriting experience by minimizing penalties for adverse family history, focusing instead on athlete-friendly measurements such as waist-to-hip ratio, BMI, Tri/HDL cholesterol ratio, and HDL ratio.

Additional Company Information

Homepage URL
Company Phone
(800) 549-1664
Headquarters Address
2513 Charleston Rd #102, Mountain View, CA, 94043
Year Founded
2014

Top Rated
Our Partner
9.2 / 10
  • How many hours do you exercise per week? You may qualify for special rates
  • Policies from a wide selection of top-rated carriers
  • Qualify through a quiz and your race results to save money
  • Advantages include athlete-friendly measurements and low-carb adaptations
  • Minimize the penalty for adverse family history if you are otherwise healthy
  • Licensed to help health conscious people in all 50 states
  • Our #1 Choice for runners, cyclists, triathletes, weightlifters, vegans, and more

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Health I.Q. Life Insurance