Finally. Lower life insurance rates that reward cyclists.

Making Insurance Fair

Cyclists are overpaying for life insurance

Cyclists have a significantly lower risk of early death, heart disease and cancer–so it just makes sense that they pay less for their life insurance.

A high Health IQ is correlated with a 36% lower risk of early death

Health IQ data

Cycling can help lower risk of heart disease by 18%

Reference

Cycling is associated with a 45% lower risk of cancer

Reference

We Save You Money

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.*

How to Qualify Savings (%) Savings ($)
Over 30yr Policy
Health Literacy Credits 8% $2,020
Active Lifestyle Credits 9% $2,270
Underwriting Credits 0 - 24% $0 - $6,279
Total Potential LIfetime Savings 8 - 41% $2,020 - $10,568

*You must meet all qualifications to be eligible for savings.

How it Works

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 Cyclist IQ Quiz

Verify Lifestyle

Qualify with one below

Recent race or competition

Ride 50+ miles a week

Time trial

And more!

Total Potential Savings

Up to 41%, that’s $10,568*

The Health IQ Difference

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.

Poor Family History

Sometimes poor family history is a powerful motivator. We reduce the chance of being penalized if you are otherwise healthy.

Click to See the Science

High BMI

BMI can’t tell the difference between muscle and fat. We have a BMI buffer for people with above average muscle mass.

Click to See the Science

High Cholesterol

Total cholesterol is not always accurate. Sometimes a healthy lifestyle increases your HDL and hence total cholesterol while reducing your cardiovascular risk.

Click to See the Science

Low Resting Heart Rate Credit

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.

Click to See the Science

High Blood Pressure

Many people get stressed when having their blood pressure taken at a doctors office. We give additional leniency on blood pressure.

Click to See the Science

3.

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.

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.

Poor Family History

Sometimes poor family history is a powerful motivator. We reduce the chance of being penalized if you are otherwise healthy.

High BMI

BMI can't tell the difference between muscle and fat. We have a BMI buffer for people with above average muscle mass.

High Cholesterol

Total cholesterol is not always accurate. Sometimes a healthy lifestyle increases your HDL, and hence total cholesterol while reducing your cardiovascular risk.

Low Resting Heart Rate

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.

High Blood Pressure

Many people get stressed when having their blood pressure taken at a doctors office. We give additional leniency on blood pressure.

3.

Better shopping

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.

We Get Results

76% of our exclusive rate clients get the top rate class

Why Work With Us

Reasons customers choose Health IQ

Top Customer Rating

4.8/5 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

$29 billion

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.