We offer special rates for health conscious runners, cyclists, weightlifters, swimmers, yoga practitioners and athletes like you.
We measure waist to hip ratio in addition to BMI for those with muscular builds.
We minimize the penalty for adverse family health history if you are otherwise healthy.
We help endurance athletes with slow resting heart rates or runner’s heart get better rates.
We measure Tri/HDL cholesterol ratio in addition to HDL ratio for low carb dieters.
We recognize that managing diabetes or hypertension is a lot of hard work. We help the well-managed get the rates they deserve.
High Health IQ men had 70% lower mortality than low Health IQ men and for women the difference was 25%. Overall, those with high Health IQ have 56% lower mortality.Read more details on our research
We spent the last few years partnering to get competitive rates for the health conscious. Eventually, we convinced forward-thinking life insurance companies to support our mission.
Who is Health IQ?
Health IQ celebrates the health conscious and offers special rates on life insurance. We are a licensed agency in all 50 states and have helped thousands of health conscious people secure billions in life insurance coverage. To learn more about us, view our team page.
We are an official partner of USA Weightlifting, USA Triathlon, U.S. Masters Swimming and Road Runners Club of America. We have an A Rating with the Better Business Bureau.
What insurance products are offered by Health IQ?
How is Health IQ different than other insurance agencies?
How does Health IQ make money?
As a “health conscious” person, how do I qualify for special rates?
To qualify for our special rate life insurance products, you must meet two conditions:
1) You must verify your health consciousness by taking a designated Health IQ Quiz for your health affinity. To qualify for the special rate, you must achieve an Elite score on the quiz.
2) You must also verify your chosen fitness activity such as running, cycling, swimming, weight lifting, yoga etcetera. Verification may include proof such as running or cycling mileage, timed results from cycling races, marathons or triathlons, swim meets and weightlifting competitions.We also accept electronic records from popular health and fitness apps such as Runkeeper, Map My Run, Map My Ride, Strava and more.
Talk to one of our licensed agents if you have more questions about your life insurance quote or how to qualify for our special rates.
Can I find these special rates with other agencies?
What insurance carriers do you work with?
How do I choose the right carrier for me?
What is Term Life Insurance?
What is Permanent Life Insurance?
What is Whole Life Insurance?
What is Universal Life Insurance?
What is Variable Life Insurance?
What is a unilateral contract?
How do I decide how much coverage I need?
The short answer is “it depends.” There is no one size fits all policy in life insurance. With that said, most financial advisors recommend somewhere around 10x your current annual income. Some advisors might even recommend 20 - 30x your annual income. The coverage amount largely depends on what amount you believe would make your family financially stable in the future, helping them cover their everyday costs of living and much larger expenses like college and retirement. Our agent will help you choose the policy term and coverage amount and give you the best quote for your particular situation.
Most people protect their income either until retirement age or at least until their children are out of school and able to take care of themselves.
What types of expenses is life insurance used to cover?
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 of coverage I can purchase?
We analyze your existing policy and coverage 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.
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.
I have an existing policy, can I still buy another policy?
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.
Why do I need my existing policy information when I talk to my agent?
We need to know your current insurance carrier, term and coverage amount as well as rate class. This will help our agent compare “apples to apples” to ensure you get the best policy and best life insurance quote. Once our agent has all this information, they can help you determine the best coverage needs for you going forward.
How are my rates calculated? Are rates just determined by age and coverage amount?
What is a rating class and how is it calculated?
What are the different rating classes?
Most insurance carriers classify applicants using the following ‘rating classes’ which are assigned based on health status, medical history and lifestyle risks:
After you complete your medical exam - and your results are analyzed along with your medical history and application - the carrier will assign your rating class.
What if I have previous health issues?
Does my family history count against me?
I have a high BMI because of a muscular build, will that count against me?
I have slightly elevated cholesterol due to a low-carb diet, will that hurt my approval?
Do I need to get a medical checkup to get approved?
What happens during the medical checkup?
What should I do to get the best results for my medical checkup?
Can I use my annual medical results instead of doing your checkup?