In the wake of the Coronavirus, we’re adapting our lists to meet your changing needs, so you can still do it all.

Sproutt Review StaffFeb. 04, 2020

In a Nutshell

Sproutt is an independent life insurance broker that matches users with insurance coverage. Through a combination of technology and human touch, Sproutt creates a personal profile for each applicant. It then uses this information to match the applicant with the most suitable coverage for their needs. The process takes place entirely online, although users are given the option of speaking to an actual customer service rep at any time.


  • Matches users with insurance coverage to suit their needs
  • Provides each user with personalized health advice


  • Not available in Florida or Washington state
  • Doesn’t directly underwrite policies

Sproutt Sproutt Visit Site

Who Can Benefit from Sproutt?

When you use Sproutt, you get an insurance broker with added value. A regular insurance broker negotiates policies on your behalf. Sproutt does that and more, creating a personalized profile for each user in order to get the best and most relevant coverage possible. Some brokers sell generic life insurance policies that don’t necessarily match the user’s needs, but Sproutt goes that extra mile and finds you a policy to suit you.


  • One form, multiple policies. When you use Sproutt, filling out a single online form gets you multiple offers.
  • Large insurance network. Sproutt works with many of the largest and most-respected carriers in the life insurance business. It constantly reviews and rates these insurance companies, based on financial strength, pricing, product suite, and ease of access
  • Apply online or by phone. When you apply through Sproutt, you get a choice between applying online or having a representative assist you.
  • Quality of Life Index. Sproutt has developed a guided artificial intelligence assessment that assesses your health and lifestyle and gives you advice on how to improve your quality of life. The assessment is free of charge and all you need to do is fill out a 15-minute survey.

Application Process

Sproutt is a broker, which means there’s a two-step process to applying for life insurance: the first step is the part where you ask Sproutt to match you with a suitable insurer; the second part involves a phone call with the insurance carrier itself and, of course, signing any closing documents. To get a quote from Sproutt, simply fill out the short application form on the Sproutt website. Alternatively, you’ll find a page on the website where you can schedule a time to have a Sproutt advisor call you and walk you through the process.

The online application involves 3 sections and takes around 15-30 minutes to complete.

Step 1 involves 8 basic questions about you:

  • Who you are protecting (e.g. kids, spouse, other)
  • Zip code
  • Your gender
  • Your date of birth
  • Your height and weight)
  • Your health (very healthy, pretty healthy, or average)
  • Whether you are a smoker or nicotine user
  • Annual income

At the end of the first section, you’ll need to enter your name, email, and phone number to save your progress. The second section consists of more questions, which gradually becomes more specific to help Sproutt learn more about you. You may be asked to provide information about:

  • Plans to travel abroad
  • Past traffic violations
  • Past bankruptcies
  • Past felonies
  • Past drug use
  • History of diseases
  • History of chronic or terminal conditions in your family

After answering the above, you will be given a choice from a few levels of coverage (e.g. $500,000, $1 million, $1.5 million) with the monthly premium clearly displayed. Select your preferred option to continue to section 3, which requires you to give the following information:

  • Your details
  • Details of beneficiaries
  • Your employment
  • Existing insurance (if relevant)
  • Payment information

The final stage involves a phone call between you and the insurance carrier selected for you. You can call 888-786-3917 at any stage to get assistance from a Sproutt representative.

Policy Types and Terms

As a broker, Sproutt is technically able to offer you any type of life insurance. This includes term life, whole life, and no-exam life insurance. Sproutt actually selects the policy type and carrier for you, based on the information you provide. This makes it a useful service for anyone who knows they need life insurance but isn’t sure what type.

How Safe Is It? 

Sproutt is licensed to broker insurance coverage in 48 states and DC, with Florida and Washington state being the only places where it doesn’t operate. Like any insurance broker or carrier, Sproutt collects your personal information. As far as we can see, it has a standard privacy policy and terms of use. The one thing worth noting is that it reserves the right to share information with third parties (meaning its partnering insurance carriers), which is the case with almost all insurance brokers and marketplaces.

Help & Support

One of the highlights of using Sproutt is that it doesn’t just rely on its online platform to assist users. It also offers telephone support. If, at any stage, you feel you need help, you can call Sproutt or request a call back to get direct assistance from one of its insurance brokers. Sproutt has an excellent 4.8-star Trustpilot rating and an A- rating from the Better Business Bureau, which suggests that most customers come away satisfied.

Phone: 888 386 3917 (toll free, Monday – Friday, 9:00 AM – 7:00 PM ET)


Sproutt Sproutt Visit Site

Bottom Line

Life insurance is one of those products that most of us need but don’t know where to begin. With Sproutt, you get a broker that actually matches you with insurance coverage to suit your needs and the needs of your dependents. Relative to other online brokers, Sproutt’s life insurance brokerage service is easy to use. It’s free to apply, and you’re not obligated to purchase unless you like what’s offered to you.

Physical Address


100 Pearl Street, 14th Floor

Hartford, CT 06103 StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing a life insurance provider.