Health I.Q. Life Insurance Review


Rating: 9.4 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
How is Health I.Q. rated?
10/10
Financial Strength
10/10
Customer Experience
9/10
Policies
9/10
Flexibility
9/10
Help and Support
9/10
Online Presence

Health I.Q. Life Insurance - Overview

Since its founding in 2013, Health I.Q. Insurance Services has been dedicated to using science and data to convince insurance companies that health conscious people deserve lower life insurance rates. Through a combination of their own data and public research showing that health conscious people tend to live longer lives, the company was able to partner with innovative life insurance providers who agreed to offer special rates on life insurance to Qualified Health IQ clients. Health I.Q. offers competitive rates from top rated carriers. After completing a quick survey on their website, which includes some minimal health-related questions, customers receive a free, no-obligation life insurance quote from top-rated carriers within minutes. The ample selection of financial institutions ensures that customers receive a wide variety of policies and policy options to fit every need and budget.

Company Reputation

Health I.Q. provides term life insurance policies from top industry carriers across all 50 states. Choosing between them depends on your personal and financial situation, as well as your level of verifiable health literacy and fitness activity. Many of the carriers that Health I.Q. works with have great reputations in terms of creditworthiness and claims paying ability, and most have a lengthy history. Below are some examples of the financial strength ratings of selected companies you might receive quotes from through Health I.Q.:

Financial Strength Ratings (FSR)

 

Legal & General America

TransAmerica

Lincoln Financial

Prudential

Standard and Poor’s

AA-

AA-

AA-

AA-

Moody’s Rating

A3

A1

A1

A1

A.M. Best FSR

A+

A+

A+

A+

Fitch Ratings

AA-

A+

A+

A+

Policies

Health I.Q. connects consumers to a vast array of policies to choose from. The company divides its policies between different health-conscious lifestyle choices, to better customize the life insurance offers. By verifying an applicant’s health literacy through the Health IQ quizzes and fitness activity through apps such as Strava, Map My Run, Map My Ride and RunKeeper and real race results, Health I.Q. can help applicants qualify for special rates for runners, cyclists, weightlifters, swimmers, and more.

During the application process, customers are asked for the following information:

  • Weight/height
  • Gender
  • Nicotine use
  • Amount of Insurance, starting at $100,000
  • Term length
  • Date of Birth
  • Zip Code

Health IQ offers a variety of policies to suit the client’s personal health and lifestyle situation, some of which include a medical checkup, and some that allow qualifying applicants to bypass the exam, known as “accelerated underwriting.” Talking to a Health IQ agent can help narrow the choices and can take as little as 10-15 minutes on the phone, or via text message. The process is quick and simple.

Sample Life Insurance Policy

Ameritas

  • 32 year old female
  • 5 ft 2 in
  • 120 lbs
  • Non-Smoker
  • 100,000 in coverage

Terms

10, 20, or 30 years

Coverage Limits

$100,000 - $10,000,000

Guaranteed level premiums

Yes, for the initial term

Affordable Coverage

Yes

Savings based on Health

Yes

Death Benefit

Yes

Medical Exam

Yes

 

Additional Features

Health I.Q. features plans with useful riders and additional benefit options, based on potential customer’s lifestyle and health choices. The policies are designed to suit you and your family.  Some may provide special rates for those who qualify, based on your health IQ quiz score as well as fitness activity.

Help and Support

Health IQ agents have experience working with health conscious clients, and offer dedicated client service and support throughout the application process up until approval by the carrier. When the policy becomes active, customer support will then be provided by the carrier you choose. Health IQ is open during normal business hours by phone, and also via email, text message, and online chat.

Health I.Q. Life Insurance – Final Thoughts

Health I.Q. is a great option for special rate life insurance that saves health conscious people both time and money, especially if you maintain a healthy lifestyle with a balanced diet and lots of physical activity. People who can qualify for the Health IQ special rates include runners, cyclists, swimmers, triathletes, vegans and vegetarians.

With Health I.Q., you can avoid the hassle of dealing with multiple insurance agents, and various different quote processes, while still being able to compare the best life insurance plans in real time and with special rates not available through other brokers. The flexibility, unique special rates, and quick response time make Health I.Q. an excellent choice, when looking for life insurance.

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