Special Rate Life Insurance

Special Rate Life Insurance

for the health conscious

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Verified and secured by Health IQ Insurance Services, Inc., Insurance  Life, Mountain View, CA

Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "get quote", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "get quote", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

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How life insurance for the health conscious works

We want to give you straightforward answers to all of your Life Insurance questions.

But if you don’t find the answer you are looking for below, please call us directly at (800) 549-1664 or email HERE.

Frequently Asked Questions

About Health IQ

How is Health IQ different from other brokers?

Health IQ believes that health conscious people are overpaying for life insurance. We are the only broker that offers special rates based on health knowledge and active lifestyles/diets like running, cycling, swimming, weightlifting, yoga, vegetarianism and veganism. Taking active control of your health is hard work, and we believe in rewarding you.

Are Health IQ’s special rates just great marketing?

Nope. It’s way better! 56% of our clients get our exclusive special rates. We are the only company that has invested in gathering science and data to prove that health conscious people live longer, so Health IQ is the only place you can find special rates you deserve.

How did you get special rates?

  1. We gathered data from millions of health conscious people - Over 1 million people took their Health IQ quiz and formed the basis for the scientific analysis of the relationship between health and health knowledge.
  2. Found that health conscious people have a lower rate of early mortality - High Health IQ men had 33% lower mortality than low Health IQ men and for women the difference was 47%. Overall, those with high Health IQ have 41% lower mortality.
  3. Combined data with medical research - We negotiated lower rates on term life insurance for the health conscious using science and big data.
  4. Partnered with Top Insurers - We took our data and science on the health conscious to the top life insurance carriers and partnered with them to get the lowest rates on life insurance for the health conscious.

What carriers do you work with?

Prudential, Principle Financial Group, John Hancock, SBLI, Mutual of Omaha, Transamerica, Securian, Assurity, Legal & General, Ameritas, Lincoln Financial Group, Brighthouse Financial (Established by MetLife)

Which insurance carriers have special rates?

We have special rates with Assurity, SBLI & Ameritas.

Are these rates available anywhere else?

No. Our special rate life insurance policies are exclusive to us, thanks to the proprietary data and science that we’ve spent years collecting. While we also sell insurance policies that do not include a special rate, 56% of our clients do get an exclusive policy based on their qualification and status.

Compared to other brokers, how much can I save through Health IQ?

Anywhere from 4%-33%.


  • Scoring “Elite” on one of our approved quizzes will get you 4% off.
  • If you are able to verify your physical activity, training, or competition results, the carriers we have partnered with will give you another 4% off.
  • You can also get up to an additional 25% off with our special underwriting considerations.

How can Health IQ's special underwriting save me more money?

Better underwriting can make the biggest impact on your rate. During the underwriting process, the underwriter determines if you actually get the rate you were originally quoted at, based on how your risk of dying young compares to that risk for the average American. Every insurance carrier has different guidelines that are used to make this decision. Health IQ worked with carriers to expand these guidelines and tailor them to the needs of our health conscious clients, saving you anywhere from 4-33%. Your agent will also submit a letter directly to the underwriter telling them more about your workouts, lifestyle and diet, painting a hugely positive picture and a better understanding of your health.


  • Family History is Not Destiny - We reduce your chance of being penalized for adverse family health history if you are otherwise healthy.
  • The Muscular are Misjudged by BMI - BMI can't tell the difference between muscle and fat. We work with carriers to ensure strength trainers and strength athletes have a BMI buffer to account for their muscles.
  • Well-Managed is a Job Well Done - Only one-third of people with chronic diseases (diabetes, high blood pressure, etc) successfully manage their conditions. We believe they are heroes and deserve special accommodation.
  • Low Resting Heart is a Badge of Honor - Most carriers will penalize people if their heart rate is too low. We help them recognize that this is a sign of your excellent health and fitness.
  • Vegans and Vegetarians are Not Weird - We have convinced carriers to provide special rates to those who have chosen a plant-based diet.
  • Low Carb Dieters are Not Their LDL - A low carb diet reduces your cardiovascular risk despite increasing your total cholesterol. Our carriers are a little more lenient.

What if I have a pre-existing condition, can I still get special rates?

Sure can! A previous illness like sleep apnea, heart disease, or diabetes doesn’t define you. Managing and overcoming chronic disease or illness is really hard work. It is something we celebrate, and absolutely can still get you special rates. We think that’s just fair.

If I don’t qualify for special rates, can I still save money?

Yes! Even if you don't qualify, we will use our world class underwriting team and shop the nation’s top 30 carriers to get you the lowest retail rate in the market.

Can I trust Health IQ?

Yes. Here are 5 reasons why!


  • We’re the fastest growing life insurance agency in the nation.
  • We’ve helped thousands of clients secure $5.3 billion in coverage.
  • Our team is licensed across all 50 states. View our licenses here.
  • We have a 9.6 rating on Trustpilot! Read the reviews here.
  • Every insurance carrier we are partnered with is A+/A rated.

When is the right time for me to buy life insurance?

Most financial advisors will recommend that you purchase life insurance as soon as someone else is dependant on your income. For most people, this is first when they start a family. In the unfortunate event that you pass away while your family is relying on your income, your family can use the funds from your life insurance policy to cover a mortgage, college tuition and other debts or expenses.


A couple other things to keep in mind - the younger you are, the less you pay for a policy. Life insurance premiums get increasingly more expensive as you age. Also, the longer you wait to buy, the more you risk unforeseen health issues which can make your premiums drastically more expensive.

What is the difference between term and permanent (whole life) insurance?

Term life is the most popular and affordable type of life insurance. It provides coverage for specific number of years, usually between 10-30 years. You make fixed monthly, quarterly, or annual premium payments to keep it active. If you pass away during the covered term, the pre-determined coverage amount is paid out in full.


Almost all of our clients find that this type of policy is the best fit. Ideally, your family’s needs for coverage will end close to when your policy expires: your kids are through college, your mortgage is fully paid, etc. However with Term life you also have the flexibility to renew or convert at the end of the term if you need to.


Permanent (whole life) insurance provides protection for life. The premium remains the same and coverage amount is guaranteed no matter how long you live. Since it never expires, the annual cost is significantly more expensive than term. There are several types of permanent life policies that provide added investment components, but these are more complicated to buy and come with additional fees and expenses.


Unlike term, permanent life insurance requires a longer commitment. There is significantly less flexibility if your needs change.

Which type of policy is best for me?

Term life insurance provides the most coverage at the lowest rate, and more flexibility if you want to add or change coverage down the road. 99% of our clients choose term.

How much life insurance coverage do I need?

The short answer is "it depends." But in general, you can find a good estimate by calculating your long term debts and financial obligations and then subtracting any savings, investments, or assets you have. Your ideal coverage amount should be enough to fill that gap. Most financial advisors recommend that you should have coverage for at least 10-15x of your annual income.


Total debt + total additional financial support (over x years) - savings/assets = estimated coverage needed


When thinking about your debts and assets, here are a few important factors to keep in mind.


  • Who depends on you financially?
  • How much annual income would need to be replaced if you passed away?
  • How much debt do you have? (car loans, mortgages, credit cards, etc)
  • Current or future tuition or education expenses?
  • Any other bills, miscellaneous costs that would need to continue being paid?
  • How much life insurance do you already have? Do you have other savings or investments?
  • Is there another source of income currently in your household?

If I have an existing policy, can I buy another?

Yes. Even if you have a current policy, you may want to refinance your existing policy as you may be overpaying for your current Life Insurance. There is no penalty for refinancing an old policy or buying additional coverage. Similar to mortgages, you can apply for a new life insurance policy even if you have an existing one. The new policy can either replace your existing one or it can be additional coverage on top of what you already have to cover something like the birth of a second child.

Is the life insurance my employer provides enough?

Probably not. Group policies are often a “one size fits all” option that cover only 1-2x your annual salary. Most financial advisors recommend you have at least 10-15x. If you should leave this employer, you also most likely can’t take the coverage with you.


Additionally, the choice of plan and carrier are made by the employer, which means that the policy may not be a good fit for your unique health and lifestyle profile.

Why is employer-sponsored life insurance pricing not fair for health conscious people?

Health conscious people are overpaying when they buy insurance through their employer. Their hard work and dedication to health is not factored in at all to the cost of their annual premium. Employer-provided life insurance is priced based on the risk of all the employees combined, so if you are more health conscious than the rest of your co-workers on average, you are overpaying.


  • Unhealthy employees tend to favor these group policies because there is no underwriting, which means they pay much less than they would for an individual policy. Great deal for them!
  • The insurance companies make up for that added risk by spreading the cost over a large group of people, without considering individual health and lifestyle habits.
  • The healthy people get significantly overcharged but still take the rate because of the convenience - there is no medical exam and the payments come directly out of paychecks
  • As an added disadvantage, rates are only guaranteed for 1 or 5 year periods...at which point the rates increase again & you are moved into a higher age group.

My spouse is a stay-at-home parent; should they get a policy as well?

Absolutely! Both you and your spouse should be insured. While a stay-at-home parent may not contribute monetarily to household income, they do provide significant value that needs to be replaced. For families with younger children, this might cover things like childcare, transportation or additional education costs.

Why can’t I apply online?

Online or Fast life insurance quotes are more likely to bait and switch you. That’s why our agents will take the time to get to know you. Because while online quotes might seem convenient - our agents will personally work with the carriers to get the best rate. Take our word on this - 83% of our clients get approved at the top two rate classes.

Should I be worried if the application process takes longer than expected?

Absolutely not! In life insurance, fast approvals basically estimate your health and charge you more just in case they missed something. Go with a longer process; it is designed to get you the best rate. 3-4 weeks is the average length of time for the insurance underwriters to review your case in detail. Flags in your application like bankruptcy, DUIs, or a heart condition might add additional time because the underwriter will need to pull credit history, driving reports, or request additional medical records from your doctors. Here is an average timeline you could expect:


  • Weeks 1-2: Application, Verification & Health IQ Quiz + Complete Medical Exam.
  • Weeks 3-8: Underwriting review can take anywhere from 1 wk to 6+ depending on what additional records are requested for review.
  • Weeks: 3-8+: Your agent will reach out to discuss underwriting conclusion.
  • Final week: Documents signed, payment sent, policy inforce as soon as first payment is processed.

Will my exam results help get me the best price for your policy?

Yes! The medical exam is one of the best opportunities to really show that you are healthier than everyone else. Your height/weight, blood pressure and fluid draws will speak for themselves. The exams are basic, but just to make sure they go perfectly, our team will help prepare you.

How should I prepare for the exam?

  • 48 Hours Prior - Avoid strenuous exercise (it can cause elevated levels of protein in your urine, which are indicative of separate health issues).
  • 24 Hours Prior - Avoid high salt foods and alcoholic beverages (these can affect blood pressure and accurate body weight).
  • 8–12 Hours Prior - You must fast before your exam for accurate blood work. Avoid food or drinks (except water) unless you are diabetic. Avoid caffeine and sweetened beverages (these can affect resting heart rate and sugar levels).
  • Day of Appointment - Take medications as prescribed. Bring a list of all medications to the exam, including dosage, frequency, and name of prescribing physician.

Will family history count against me?

It'll matter less with Health IQ than another broker. Insurance companies use family history to evaluate your risk. One metric used is the age at which a family member has passed away from a disease. The earlier the death of a family member, the higher your rate will be. Carriers establish a threshold age for considering a death “early” — for example, most carriers consider any death from heart disease before the age of 60 to be early.


Health IQ recognizes that family history is not destiny and has pushed carriers to lower the threshold age for our health conscious customers — in the case of heart disease, from 60 years old to 55 years old. We were able to accomplish this by uncovering science like the following:


  • The degree of benefit from healthy behaviours has been shown to be the same for women with or without a family history of breast cancer.
  • Greater adherence to healthy lifestyle recommendations was associated with a 43% reduction in breast cancer risk in one study.
  • Another study found 17.34% reduced rate of invasive breast cancer in women with a family history of breast cancer.

I am diabetic, but have kept my A1C low for years, will this affect my rate?

Your A1C being low is the most important factor. In fact, we believe that if you are well-managed, you are a hero and deserve special accommodation. Only one-third of people with chronic diseases (diabetes, high blood pressure, etc) successfully manage their conditions.


  • For every 1% reduction in HbA1c levels, the risk of developing eye, kidney, and nerve disease is reduced by 40% and the risk of heart attack is reduced by 14%
  • Diabetes patients who maintain near-normal HbA1c values can gain an extra five years of life, eight years of sight, and six years free from kidney disease
  • Well-controlled diabetics reduce their risk of heart attack, stroke, or death from cardiovascular disease by 57%

My BMI is high because of a muscular build, will that count against me?

The height/weight ratio used for BMI doesn’t address body composition and leads to misclassification of strength athletes into weight classes that the insurance industry considers risky. That’s because BMI measures excess weight relative to height— not excess fat.


That’s why Health IQ has pushed our carriers for a “BMI buffer” for our health conscious clients. For example if the limit for the preferred plus rate category for someone 5'9" is 198 lbs, our health conscious client can still get the preferred plus rate category at 208 lbs.

I have slightly elevated cholesterol due to a low carb diet, will that hurt my approval?

Nope! Triglyceride/HDL ratio is a better predictor of cardiovascular disease. It is possible to have total cholesterol in 220-260 range with little risk of atherosclerosis if HDL high and TG low.


Meta-analysis reviews show across studies that a low-carbohydrate diet improves markers of cardiovascular and type 2 diabetes risk factors. Overall, the benefits outweigh any apparent rise in LDL cholesterol, as HDL tends to increase and triglycerides decrease.

How long does approval take?

Depending on the carrier, it may take anywhere from 2-8 weeks to get approved.

When does my coverage begin?

Your coverage begins after you are approved and your first payment has been processed.

How does life insurance work?

You buy a policy from a company, which is known as an insurance carrier. In exchange for a fixed monthly or annual payment, that policy is a promise from the insurance carrier that they will pay your beneficiaries a set amount if you pass away before the end of the term.

Why do you not recommend policies with no medical exam?

Though it might feel like it’s more convenient, non-medical policies are generally more expensive since they have less information about your health when analyzing your risk. These policies are also limited by coverage amounts.

What can affect my rate?

Most people are surprised by the impact that small details can have on your rate. Life insurance pricing can depend on everything from family history, to age and gender, health history, tobacco usage, medications, driving record, and lifestyle habits. This is another reason why we take the time to really get to know you. More proof of your healthy lifestyle and habits will help our team find you the perfect carrier and get you a lower rate.

What does life insurance actually cover?

Life insurance is a cash payout, so you or your family can use it to pay for any type of expenses such as:


  • Mortgages
  • College expenses for your children (calculate future tuition for when your children are expected to enter college, plus any possible expenses for graduate school or postgraduate degrees)
  • Living expenses for your family
  • Cosigned debt (student loans, car loans, medical bills, etc.)
  • Stay-at-home labor expenses (cooking, cleaning, childcare, etc.)
  • Burial / funeral expenses
  • Elder care
  • Estate taxes that your heirs must pay for assets you leave them

In short, we try to get you the right policy to take care of your family’s needs if something happens to you.

What is the maximum and minimum amount I can purchase?

We analyze your current financial situation and any existing policies you may have to help prevent you from becoming ‘over insured’ according to financial underwriting guidelines. There are limits on the total amount of insurance the carrier will allow for an individual based on age, income and sometimes insurance needs, also known as “coverage limits”.


Your minimum coverage amount depends on your policy type, health conscious score, and current health status. Speak to our agents to learn more.

Can I use my annual medical results instead of doing your checkup?

No. Insurance carriers will require a separate medical checkup that they order to meet their lab requirements. This checkup is free and most people do it in their own home. However, providing an annual check-up from your own doctor that shows you are healthy may help improve your approval and rate.

What is a beneficiary?

The person you designate to receive the death benefit payment should the policy owner pass before the end of the term.

Who do I name as my beneficiary?

Anyone who is actually financially dependent on you.

Will my beneficiary have to pay taxes on the coverage payout?

For almost all term policies, the sum is given to your beneficiaries tax-free.

What happens if I omit or submit false information on the application?

  • If caught during underwriting, the carrier most likely will immediately reject your application and notify all other carriers as well.
  • If caught in the first two years after your policy is activated, the carrier can immediately cancel the policy and refund any payments previously made.
  • If caught after the first 2 years, the carrier can change your payments or lower your coverage to reflect how you should have originally been charged.

Isn’t this just a waste of money if I don’t die during the term period?

Absolutely not! Think about car insurance - you’ve had it forever, with hopefully never having had an accident. Life insurance is the same - you buy it for peace of mind.

Will my premiums through Health IQ go up if I get sick?

Nope. Our term policies are called “fixed” term policies, which means the premiums are fixed for the entire life of the policy.

How often should I review my life insurance needs?

Financial experts recommend at least once every five years, or whenever you have a major life event such as buying a house, marriage, children, change of income, retirement, adoption etc.

Are there any exclusions?

The only exclusion is the “universal exclusion“ which excludes suicide in the first two years of the policy. After two years, even suicide is covered and while we do not expect that to happen to our clients, it is a sign of how comprehensive the coverage is.

Have Additional Questions?
Our agents will be happy to help.

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Phone: 800.549.1664
| Available Monday - Friday | 7am - 6pm PT

Customers Rate Health IQ 9.6/10 on TrustPilot**

Our Mission

At Health IQ, we believe the best way to improve the health of the world is to celebrate the health conscious rather than harassing those who are not.

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Phone: 800.549.1664
| Available Monday - Friday | 7am - 6pm PT

Verified and secured by Health IQ Insurance Services, Inc., Insurance  Life, Mountain View, CA