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Healthy IQ Life Insurance Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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Founded in 2014, Health IQ is an innovative life insurance company helping health-conscious individuals like runners, cyclists, and yogis find affordable life insurance coverage from leading industry providers, among them Ameritas, Prudential, Assurity, and SBLI. Health IQ holds a Trustpilot score of 9.7 (Excellent), and with 21 billion in coverage so far, is the fastest growing life insurance company in the nation.
 
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How is Health IQ rated?

Breakdown

5.0/5
Company Stability
4.8/5
Reputation
4.5/5
Policies & Coverage

Overall Rating: 4.8 / 5 (Excellent)

Based on their own research and other scientific data that conclude health literate individuals tend to live longer and be less likely to suffer metabolic disorders such as diabetes, Health IQ offers special rates and better underwriting for health-conscious, active individuals.

The company takes a fresh approach to life insurance, offering competitive rates from industry-leading carriers, as well as policies tailored to individual needs and budgets.

For those who lead healthy, active lifestyles and are looking for excellent service and unbeatable rates, Health IQ is the best option on the market.

Financial Strength

Key Details

Standard & Poor's Financial Rating
AA+
Moody's Financial Rating
Aaa
AM Best Financial Rating
A++

Company Stability - 5 / 5

Health IQ offers term life insurance quotes from highly rated carriers such as SBLI, Ameritas, Prudential, Banner, Lincoln Financial, New York Life, Mutual of Omaha, Transamerica, Assurity, John Hancock, and other major insurance companies.

Many of the insurers working with Health IQ have been listed among the best life insurance companies of 2016 and hold strong financial strength ratings from A.M. Best, S&P, and Moody's.

Customers working with Health IQ will, therefore, have access to some of the most solidly rated life insurance institutions in the country.

Reputation & Customer Experience

Customer Ratings

Trust Pilot Rating
9.7 out of 5
BBB Rating
A
Date Collected
2017-08-30

Reputation - 4.8 / 5

Health IQ has received outstanding customer reviews on sites like Trustpilot.com, with clients praising their excellent service, affordable quotes, easy application process, and approachable team of knowledgeable professionals.

Health IQ currently holds a Trustpilot score of 9.7 (Excellent) and is a BBB accredited business with an A rating.

Health IQ Policies

Health IQ offers customers the following life insurance policies: Term, Whole Life, Universal Life.

Term Life Insurance

Available Terms
10 year
15 year
20 year
25 year
30 year

Policies & Coverage - 4.5 / 5

Although Health IQ does offer whole and universal policies, the company specializes in providing term life insurance policies for health-conscious individuals at competitive rates.

Health IQ, in partnership with industry-leading life insurers such as Assurity, SBLI, and Ameritas, aims to provide the best products at the lowest prices.

This does, however, somewhat limit the options Health IQ can provide. Customers looking for the investment or savings components can also have the option of permanent life products.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider

Available Carriers

SBLI, Ameritas, Prudential, Banner, Lincoln Financial Group, New York, Life, Mutual of Omaha, Transamerica, Brighthouse Financial, Principal Financial, Assurity Life Insurance Company, John Hancock, Legal & General America, Securian

Flexibility & Available Riders - 4.8 / 5

Additional Company Information

Homepage URL
https://www.healthiq.com/
Company Phone
(800) 549-1664
Headquarters Address
2513 Charleston Rd #102, Mountain View, CA, 94043
Year Founded
2014

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Customer Comments & Reviews

Loading Reviews ...
lpoole620
11/17/2022
I understand the service is trying to get senior the best help for insurance needs, but after I let 5hem know that I had contacted my plan & I have what I need they have continued to call. I even answered once to let them know this. They are still calling & I have to block them. This is ridiculous and unprofessional. They called all day & the following morning. As of this date they are still calling from various phone numbers. 👎

T
Terry
3/2/2022
WARNING !!!!! DO NOT GIVE OUT YOUR PHONE NUMBER TO THEM!!! THEY WILL NEVER STOP CALLING YOU !! EXPECT DAILY CALLS ! DON'T EVEN BOTHER ASKING THEM TO REMOVE YOU BECAUSE THEY WONT ! I TRIED ! WHEN I EVEN ASKED THEM TO READ MY NUMBER BACK TO ME AFTER THEY TOLD ME THEY WOULD REMOVE IT, THEY JUST IGNORED ME AND HUNG UP ! THE CALLS HAVE NEVER STOPPED !! I BET I HAVE HUNDREDS OF THEIR NUMBERS BLOCKED ON MY SMART PHONE BUT THEY JUST KEEP CALLING WITH OTHER NUMBERS ! UGH !!!!

D
Dianne L
10/27/2021
It has taken me nearly 2 years to get my application approved only to find out because of my age (73) I should not expect to get an A plus rating that would enable me to get my quoted and requested 10 year term policy for $500,000. Why was I not told this in the beginning??? Is this a common bait and switch model endorsed by Health IQ??? I feel you have discriminated against people older than 65. Granted I was offered a $250,000 10 year term as a substitute but why did this take so long ??? I am in the medical field and feel that this was unjustified. I could have spent the last several months searching other programs. Please have them return my application and medical reports... Read More

J
john s
4/29/2020
I have been trying to get confirmation of my policy that they told me was approved since October of 2019. I have emailed the CEO as well as many associates and agents. I continue to get the run around and not one person can resolve this. I had taken my lab work back in October. How do I get someone to resolve this

R
Ron
9/10/2018
after going through their process, and even having a nurse visit my home for testing, I never heard back from them. even an email to their CEO generated no response. bad customer service and/or bad processes and wasted my time. not likely to be well run.

Z
ZJ  
Official Response

Company Rep of Health IQ Life Insurance
Hi Ron, apologies for the delay. We believe we responded to you elsewhere last year but are just seeing this comment here and wanted to get in touch. Following your medical exam it can take anywhere from 1-3 weeks typically for the carrier to evaluate the results and accompanying information with your life insurance application. We believe we had your case manager reach out to connect with you to provide an update and are always here and happy to help throughout the process. Please let us know if you still need assistance or have questions about your coverage. Healthy regards, The Health IQ Team
Top Rated
Our Partner
  • The only 100% no medical exam term life insurance
  • Ages 18 to 60 are eligible to apply
  • Term life policies $50,000-$1.5 million in coverage
  • Company offers 10, 15, 20, 25, and 30-year terms
  • Monthly premiums as low as $10
  • Featured in WSJ, CNN, Forbes, TechCrunch & Money.com
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