Finally. Lower life insurance rates that reward vegetarians.

Making Insurance Fair

Vegetarians are overpaying for life insurance

Vegetarians have a significantly lower risk of early death, cancer and heart disease—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

A vegetarian diet is linked with 8% lower risk of total cancer

Reference

A vegetarian diet can help lower heart disease risk 25%

Reference

We Save You Money

See how much money we save you

Only at Health IQ can you save up to 33% by qualifying with your high health literacy and healthy lifestyle. That's a total potential savings of up to $9,906.*

How to Qualify Savings (%) Savings ($)
Over 30yr Policy
Health Literacy Credits 4% $1,238
Active Lifestyle Credits 4% $1,238
Underwriting Credits 0 - 25% $0 - $7,430
Total Potential LIfetime Savings 4 - 33% $1,238 - $9,906

*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 Vegetarian IQ Quiz

Verify Lifestyle

Qualify with one below

Yoga association membership

Run 10+ miles a week

Ride 50+ miles a week

And more!

Total Potential Savings

Up to 33%, that’s $9,906*

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 33% 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 33% 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

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.