HealthIQ - Reviewed & Compared


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 Good

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.

MORE: What's the Best Life Insurance Policy for You?

The Bad

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.

What to Expect

  • Lower rates for health conscious people.
  • They focus on YOU, not your family history.
  • Health conscious eating, exercise, lifestyle – it’s all factored in.
  • Term life policies from $100,000 - $5,000,000+.
  • Superb ratings from their employees on – people seem to like working there, which is always a positive.
MORE: What's the Best Life Insurance Policy for You?

Our Final Verdict: 9.3/10

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.

  • Caters to those who are consciously taking care of their health
  • Provides lower rates based on “Health IQ”
  • Excellent, informative website