The healthier you are, the lower your life insurance rates should be, right? You would think that, anyway. But most companies don’t really give you truly lower rates for being health conscious. Health IQ does. In fact, it’s their focus. Let’s see how they stack up:
The company was founded with the premise that healthier people should have lower life insurance rates. Health IQ works with partner companies (big insurance names) to give health conscious people lower rates.
The website is comprehensive, with lots of information, and clearly very “health focused”. They also have a simple Q&A step-by-step quote form that gets you lower rate quotes fast.
Well, there’s no nice way to put this, but if you smoke, are obese, etc., you should probably look elsewhere. The company caters to those who have a high “Health IQ” – runners, weight lifters, cyclists, athletes, health conscious lifestyle folks, and more. But if you are in those groups, there’s no drawback here.
I ding them a bit because hey, they aren’t for everyone, and they also only offer term life insurance (but that’s what most folks want). But if you are health conscious, you should really check Health IQ’s life insurance rates, because that’s their wheelhouse.