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We’re looking for those who crave 
career growth and the chance to lead. 
Because we’re growing fast.

That means growth for you. We actively promote from within, and reward high performing employees with new opportunities.

In fact, so fast that we grew from around 400 employees in 2020 to more than 800 in 2021.
Finally. Lower life insurance rates that reward your healthy lifestyle.
We work with national insurance companies 
to find coverage that’s right for you.
Special rate carrier: Bankers Fidelity Life Insurance Company
People with healthy lifestyles are overpaying for life insurance
Living a healthy lifestyle is associated with a significantly lower risk of early death, heart disease and type 2 diabetes—so it just makes sense that you would pay less for your life insurance.
A high Health IQ is correlated with a 36% 
lower risk of early death
A healthy lifestyle is associated with a 57% lower risk of heart disease
A healthy lifestyle can help reduce type 2 diabetes risk by 88%
See how much money we save you
Only at Health IQ can you save up to 41% by qualifying with your high health literacy and healthy lifestyle. That's a total potential savings of up to $10,568.*
*You must meet all qualifications to be eligible for savings.
How you qualify for lower rates
Evaluate Your Health
  • Answer a few questions about your current health
  • Take your free medical exam in the convenience of your home
Test Health Literacy
  • Take the Health IQ Quiz
  • Take the Healthy 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!
Evaluate Your Health
  • Answer a few questions about your current health
  • Take your free medical exam in the convenience of your home
Test Health Literacy
  • Take the Health IQ Quiz
  • Take the Healthy 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!
See if You Qualify
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3 ways we help you 
get the lowest rate
1. Better price
Health IQ is the only company that combines your current health, health literacy and active lifestyle to better predict your long-term health, getting you rates up to 41% lower.*
2. Better underwriting
Health IQ ensures that your health literacy and active lifestyle are used to offset traditional insurance risk factors so you get credit (and a lower price) for your hard work.
3. Better shopping
Special rate check
We first shop our special rate partners to 
see if you pre-qualify for SharpSenior™️ discounted rates.
Special rate check
We first shop our special rate partners to 
see if you pre-qualify for SharpSenior™️ discounted rates.
76% of our exclusive rate clients get the top rate class
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Reasons customers choose Health IQ
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Amazing customer service from top to bottom. Two thumbs up!
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Health IQ Client
The nation's fastest growing in coverage issued
Featured in some of the nation's leading publications
Have Questions? 

We’ve got you covered!
What is life insurance?
What does life insurance cover?
How is Health IQ different than other brokers?
How do I qualify for special rates?
How much life insurance do I need?
What is the difference between term and whole life?
I have an existing policy. Can I buy another?
Is the life insurance my employer provides enough?
Could my coverage be cancelled for any reason?

What is life insurance?

What does life insurance 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

How is Health IQ different than 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.

How do I qualify for special rates?

You can save anywhere from 8%-41%.

  • Scoring “Elite” on one of our approved quizzes will get you 8% off.
  • If you are able to verify your physical activity, training, or competition results, the carriers we have partnered with will give you another 9% off.
  • You can also get up to an additional 24% off with our special underwriting considerations.

How much life insurance do I need?

The short answer is "it depends." Every person has a different need, depending on their unique financial and family situation. 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 7-10x 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?

What is the difference between term and whole life?

Term life is the most popular and affordable type of life insurance. It provides coverage for a 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.

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—as in the case of having 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.

Could my coverage be cancelled for any reason?

There is only one reason your life insurance policy can ever be cancelled — if you stop paying the premiums. Once the policy is put into place, the insurance carrier is required to cover you at the same rate for the duration of the term. You are able to cancel your policy at your own will at any time.

Let’s get started.