Health IQ Review

Top10.com Staff

In a Nutshell

Health IQ is all about rewarding health conscious people - those who live a healthy lifestyle, exercise regularly and eat well - by offering them the lower rates they deserve. It partners with some of the biggest names in the life insurance industry to offer its health conscious customers competitive rates that are difficult to find elsewhere.

pros

  • Variety of plans and riders
  • Responsive, friendly customer service

cons

  • Insurance agent, not a carrier
  • No instant quote tool

Health I.Q. Health I.Q. Visit Site

Best For?

If you take care of your health, work hard to live a clean lifestyle and practice good eating and exercise habits, getting coverage from Health IQ is a good option because you can can take advantage of its competitive rates.

Health IQ Life Insurance Review

Features

Health IQ stands out thanks to the number of partners it works with, may of which are among the biggest and most reliable names operating within the industry, including Ameritas, Assurity and SBLI. The most crucial function of Health IQ is its process for proving the good health status of its applicants, and then finding the most suitable life insurance policy among its partners, who can offer lower rates because of Health IQ’s proprietary verification process.

This is possible due to the immense research that Health IQ conducts on the positive correlation between health knowledge and a lower rate of mortality. Years of data and research convinced Health IQ’s partners that the health conscious deserve lower rates for life insurance.

Life insurance is available in a customized format, segmented by lifestyle activity such as diet or exercise. This helps to connect customers with the most relevant policies from Health IQ’s carrier network. The policies available suit a variety of needs, including term life, whole life, universal life and can be accompanied by several riders as well.

Some of these plans take the applicant’s health status into consideration and do not require a medical exam. Per the range of policies across Health IQ’s network and the information available on its website, term life policies can go up to $10,000,000 in coverage. Riders available are numerous, including accelerated benefits riders, return of premiums riders and more. For a full list, friendly customer service representatives are standing by to assist potential customers.

Application Process

To get the process started you need to provide some quick details about your health status, habits, and medical history before a health quiz is made available. If you score highly on the quiz you'll be offered a glimpse at the life insurance packages offered by Health IQ and its partners. While Health IQ does not rely entirely on this quiz to determine eligibility for its lower rates, and often requires health records before delivering a tangible quote, the quiz does go a long way towards aiding the policy selection algorithm.

Policy Types and Terms

Health IQ's campaign to partner with some of the best carriers in the marketplace means that health conscious individuals who want to access lower rates have numerous options available for doing so. If you’re up for a fun challenge that can help you in the long run, Health IQ offers daily quizzes that will put your health knowledge to the test and if you do well it can help lower the rate you pay. 

Health IQ works with reliable insurance institutions, many with long histories of solvency and payouts for millions of policyholders. Among popular names like Prudential and Transamerica, customers will find lofty ratings from the credit bureaus like A.M. Best, Standard and Poor’s and Fitch.

Additionally, Health IQ itself has an A rating with the Better Business Bureau, and a history of service in all 50 US states. Those wondering about reliability when considering whether to take advantage of the benefit offered by Health IQs services can rest assured knowing that the company holds many industry awards. One thing that needs to be remembered however is that Health IQ is not an underwriter, with insurance partners ultimately responsible for providing coverage.

Help and Support

You can connect with Health IQ via phone and text message or email. Customer service representatives are friendly and are able to answer questions posed to them. 

Health I.Q. Health I.Q. Visit Site

Summary

Health IQ seeks to reward those who are committed to living a health conscious lifestyle with the lower rates they deserve. It believes that health conscious people shouldn't pay as high a price as their less health conscious counterparts, and has supported this belief by using its own data to work with insurance carriers to create special rate products. 

While not a carrier or underwriter, Health IQ has partnered with some of the strongest names in the life insurance industry to sign off on their mission. Accordingly, applicants who demonstrate their dedication to health conscious lifestyles can access life insurance policies from these partners at a significantly lower cost. To this end, Health IQ employs a unique, fun application and website quiz system that helps to educate members about the topics most relevant to their personal well-being.

Physical Address

2513 Charleston Rd.

Suite 102

Mountain View, CA 94043

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

Health I.Q. customer reviews

Based on 30 reviews

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30 Sep 2020

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Top Reviews

Harold, CA
a year ago

Ease of use

Brand satisfaction

Value for money

Service quality

Health IQ is a nice insurance company. I like their customers services. They are quick to respond and their insurance works as is expected.

J H, OK
a year ago

Very informative. Easy to understand. All and any questions were answered fast and thoroughly.

Michelle, MN
a year ago

I had a positive experience with them. When I spoke with them they were polite and answered all my questions. They weren't pushy with me at all. And that's it.

Mike, CA
9 months ago

They were there when I was looking for life insurance. They kept calling whenever I missed their call because they made sure they talked to me.

Bryonna, CA
8 months ago

They're a great service and can provide basically all of my needs that come up in regards to life insurance. Their customer service is a great service and I would definitely recommend it.

DR, PA
8 months ago

It is very affordable and I have had a very positive experience with their services so far.

Brittany, KY
8 months ago

They offer nice prices and go the extra mile to please customers. They have a lot of options for any budget.

James, CA
10 months ago

great product, great insurance, I use it because its for me and in my opinion I need it for my life

Joseph, TN
8 months ago

There good with there customers; I find their customer service extremely helpful

Ronnie, AR
10 months ago

I'm happy because they gave me all the attention that I required to select an insurance and enroll.

Riley, MI
9 months ago

No problems with my insurance ever and have always had an easy time with this brand. Thank you Health IQ Insurance!!

Norah, MD
9 months ago

Health IQ is useful for my health checkup, and it's fast to add to my medical records.

Ana, IL
9 months ago

They didn't really care about my grandparents when they passed and it was a hassle to get the money from them.

Diva, NY
7 months ago

You can save a lot of money on your life insurance with Health I.Q. We decided to switch when we saw the prices on their website.

Ciera, AZ
a year ago

The premiums could be better. And also the co pay for the doctor's office. the employees could be more polite as well

Cal, IA
a year ago

I have been satisfied with all calls and questions being answered. There has been no issues and they have been very business like and friendly

Eve, FL
a year ago

Health IQ helps out when you need them most.

BB, PA
8 months ago

Very easy to work with. Like the website. Questions were straight forward and easy to answer

James, MI
a year ago

They did very well at everything. All the things I wanted from an insurance company they had and barely lacked anything.

Kiya, TX
9 months ago

It works with you way better than any other company . I didn't like the fact that it has too much you have to apply for . Tedious process.

30 reviews