Finally. Lower disability insurance rates that reward your healthy lifestyle.

Explaining Disability Insurance

Why you need disability insurance

1.

What is disability insurance?

If you are unable to work because of injury or illness, disability insurance replaces a portion of your monthly income.

2.

Do I need disability insurance?

1 out of 4 people will experience a disability before turning 67, making disability insurance one of the most important financial protections you can have.

3.

Why isn’t my company’s short term disability enough?

Your company’s policy will often only cover you for 90 days if you miss work due to a disability and typically only covers your base salary.

Making Insurance Fair

People with healthy lifestyles are overpaying for disability insurance

With a healthy active lifestyle, you have a lower risk of becoming disabled and missing work—so it just makes sense that you pay less for your disability insurance.

lower risk of becoming disabled

Reference

less likely to miss 21+ days of work

Reference

We Save You Money

See how much money we save you

Only at Health IQ can your healthy lifestyle get you a 15% discount. That’s a total potential savings of up to $3,575.*

How It Works

How you qualify for lower rates

Evaluate Your Health

Test Health Literacy

Answer a few questions about your current health

Take your free medical exam in the convenience of your home

Prove Your Health Literacy

Take the Health IQ Quiz

Take the Lifestyle IQ Quiz

Verify Lifestyle

Qualify with one below

Running: Run an 8-minute mile or an age-based equivalent

Cycling: Ride 50+ miles

Swimming: Compete in a meet

And more!

Total Potential Savings

Up to 15%, that’s $3,575*

The Health IQ Difference

How we ensure you get the lowest rate

1.

Better price

Health IQ takes into account your whole health to better predict your long-term health, getting you a 15% discount.*

2.

Better shopping

1.

We first shop our special rate partners to get you the best rate

2.

We double check the rate by shopping 30 additional carriers

Special rate check

We first shop our special rate partners to get you the best rate

Retail rate check

We double-check the rate by shopping 30 additional carriers

1.

We better predict your long-term health

Health IQ takes into account your whole health to better predict your longterm health, getting you rates up to 33% lower.

2.

Double-check your savings for the best rate

We first shop our special rate partners to get you the best rate

We double check the rate by shopping 30 additional carriers

Special rate check

We first shop our special rate partners to get you the best rate

Retail rate check

We double-check the rate by shopping 30 additional carriers

Let's get started.

Why Work With Us

Reasons customers choose Health IQ

Top Customer Rating

9.5/10 customer satisfaction on Trustpilot

"Amazing customer service from top to bottom. Two Thumbs Up!"

- Ted M, Runner

Top In Protection

The nation's fastest growing in coverage issued

Top Business Rating

Given the highest rating by the Better Business Bureau

As Seen On...

Featured in some of the nation's leading publications

FAQ

Have Questions? We’ve got you covered!

Let's get started.