Updated:
Retirement Living takes an unbiased approach to our reviews. We may earn money when you click a partner link. Learn More
Health IQ is an insurance provider that pioneered an online quiz developed with a team of leading health, medical and fitness experts. The company uses this assessment to identify life insurance applicants with a statistically low risk of heart disease and diabetes. Health IQ then works to find lower-cost life insurance for individuals who are likely to live longer, regardless of family history.
Editorial Breakdown
Product Options
Availability
Policy Features
Customer Service
Overall Rating
Bottom Line
Health IQ considers your health proficiency, activity and underwriting credits to offer life insurance policies at a lower rate.
Health IQ uses scientific data to negotiate a special rate on life insurance for health-conscious individuals. The company combines your current health, activity level and knowledge of physical fitness to predict your long-term health. People with a healthy lifestyle are typically preferred applicants with many life insurance companies.
Health IQ sells insurance in all 50 states. The company is a managing general agent collaborating with respected insurance companies like Prudential, Assurity and many others. Your answers to the Health IQ quiz effectively assess your health, making you eligible for life insurance discounts.
Pros
Cons
To get started with Health IQ, enter some general information about yourself and how much life insurance you want to buy. Then answer questions to assess your fitness habits. The quiz is designed to measure your knowledge, so you can’t fib about the number of miles you run each day. For example, Health IQ tests your knowledge of portion control rather than asking if you overeat.
Health IQ partner life insurance companies accept the quiz results because it’s nearly impossible to game the questions. You can buy life insurance for much less if you score highly on assessments and get a free medical exam. Prove your level of fitness, and you can save even more.
Discounts | Description | Savings |
Health Literacy Credits | Earned after scoring Elite on the Health IQ quiz (8% savings) | $2,020 |
Active Lifestyle Credits | Verify your fitness level by submitting proof of activities (9% savings) | $2,270 |
Underwriting Credits | Save up to 24% more because your lifestyle offsets insurance risk factors like family health history. | Up to $6,279 |
Total Savings | 8% to 41% | $2,020 – $10,568 |
Health IQ serves those who are healthy and know how to stay fit. Those who can save thousands of dollars on life insurance include:
The company also sells disability insurance. Healthy seniors can save up to $2,477 on Medicare Supplement insurance over the average time most people keep this type of policy.
Health IQ is a free service. The quiz determines if you are eligible to reduce the cost of your life insurance. If you qualify, but you’re not interested in applying for insurance, Health IQ is still free with no obligation.
You must take Health IQ’s online quiz before you can buy discounted life insurance. The only place to do this and apply for a policy is via the website.
Health IQ ratings on Trustpilot average out to 4.5 out of 5 stars. DoughRoller scores the company 8.7 out of 10. The length of time required to apply for a policy reduced the nearly perfect score.
ConsumersAdvocate awards Health IQ 4.8 out of 5 stars. The Better Business Bureau says Health IQ is an A+ company.
Many reviewers mentioned friendly and helpful customer service representatives. Complaints primarily pertained to the length of time between application and approval. Frequent follow-up texts and phone calls for those who did not buy a policy were an issue as well.
You can either buy additional life insurance from Health IQ or apply for a new policy to replace your existing life insurance. You can also look into refinancing your current policy. There’s no fee for obtaining additional coverage or refinancing.
When you buy insurance, the carrier must provide coverage for the entire term at the same rate. If you stop paying premiums to Health IQ, you will lose your insurance.
Yes, you cancel your insurance at any time.
Yes, you need to have a physical, blood work and other tests typically required to buy life insurance. You also need to give Health IQ one-time access to your fitness tracker results for additional discounts.
You will likely find lower life insurance rates if you use Health IQ even if you have diabetes. The company finds money-saving life insurance for people who eat properly and exercise to control their A1C successfully.
Over 1 million people have used Health IQ’s online quiz to determine if they qualify for the best insurance rates. The company provides over $31 billion worth of life insurance to active adults practicing a healthy lifestyle. The process of applying for life insurance through Health IQ may seem tedious. Still, the savings on premiums are worth the time spent if you are a physically fit individual with healthy habits.