Health IQ

4.8/5 stars
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With over $15 billion in coverage issued, Health IQ is one of the fastest growing companies in the insurance industry. A+ rated by The Better Business Bureau, featured by CNBC, and Forbes, Health IQ’s mission is to be an insurance company that rewards healthy lifestyles. Health IQ believes that the best way to improve the health of the world is to reward the people who take it upon themselves to make responsible lifestyle and health choices. Health IQ is the only insurance company with a process in place that analyzes data related to your current health, health literacy, and active lifestyle to predict long term health. This data is disaggregated and policy rates are set accordingly. While most companies only take into consideration your current health status, Health IQ goes to great lengths to paint a more comprehensive picture of their customers and well qualified customers can save up to 33% on life insurance coverage. Additionally, Health IQ is the only broker that offers special rates for people who live healthy lifestyles.

How It Works

Health IQ has partnered with some of the top insurance carriers in the industry to bring customers fairly priced life insurance. To get started with Health IQ, visit to learn about coverage options. To begin the application process customers will answer questions regarding background, current health and activity participation. Health IQ then uses science to save customers money. Years of research have taught Health IQ that active lifestyles directly correlate to positive health outcomes. Health IQ guarantees their low rates by checking for any special rates available from partners. Health IQ then double checks the rates of 30 additional carriers to maximize customer savings. Health IQ allows customers to qualify for special rates based on specific activity benchmarks such as the ability to run an 8 minute mile or the ability to deadlift your body weight. Additional discounts of up to 29.70% are given for policies with large coverage volumes. Health IQ promises to reward healthy customers in an attempt to create a healthier world.

What Customers Are Saying

Health IQ is the recipient of top customer ratings across a variety of review platforms including a 9.7/10 rating on Trustpilot. Customers mention the professionalism of the representatives and personalized consideration as strengths of the service. They spend extra time to explain every last detail and respond quickly to any questions about the application process and results. Health IQ is more than happy to hold your hand through the entire life insurance purchasing process. Health IQ goes above and beyond to help obtain medical records from primary care providers. Often times getting medical records from doctor’s offices can feel like a useless endeavor, but Health IQ is in constant communication with medical offices until all the necessary documentation is provided. Health IQ was able to secure many customers the best coverage options at the lowest premiums available. The application process was fast and straightforward, very easy to understand even for those who are not as technologically savvy. At times, customers may deal with several different representatives from the company, but it is clear that all employees are working towards a common goal, with equal amounts knowledge and passion. The very occasional complaints regarding Health IQ stem from reported mishandling of paperwork. These complaints are few and few between. Overall, Health IQ stands out as one of the top rated companies in the industry.

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