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      February 24, 2020

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Health IQ Review

To help you find the Best Life Insurance, TopConsumerReviews.com provides you with an in-depth Health IQ Review.

To see ALL of our reviews for the Best Life Insurance, please Click Here

Get Your Life Insurance Policy from Health IQ Today! Where can you find the best Life Insurance? It may not always be at the forefront of your mind, but the payment of a death benefit to your beneficiaries is an important decision we make for loved ones. A life insurance payout provides financial protection to dependents once we have passed on. These funds might be used for covering basic family expenses like mortgage payments, tuition, car loans, funeral costs, and much more. Essentially, life insurance policies help beneficiaries survive financially until they can get back on their feet without us.

It's estimated that about 40% of Americans don't have life insurance. In very few cases this accounts for individuals without beneficiaries or people with lots of assets that could easily be sold. However, most people without life insurance simply misunderstand the reasons for needing it and how affordable it actually is. Since people are living longer and healthier, life insurance is becoming less expensive than ever. Quite a bit of life insurance can be purchased without breaking the bank.

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Best Reviews

2020

Life Insurance Reviews

5 stars
Health IQ

HEALTH IQ

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TopConsumerReviews.com Best-In-Class Blue Ribbon Award Health IQ not only rewards individuals for their healthy lifestyles, but also promotes change to create healthy exercise habits. Health IQ evaluates customers' current health, quizzing them on their health knowledge, and then incentivizes lower rates by having them participate in a specific physical activity. By doing this, they say they can get rates up to 41% lower than their competitors. The unique way Health IQ rewards active lifestyles and promotes better mental and physical health is impressive and has earned our highest rating for life insurance companies.

To get a quick quote estimate, you report through Health IQ's online form:

  • How many hours you typically exercise in a week from 0 - 5+ hours
  • Name
  • Email
  • Phone number
  • Nicotine usage
  • Annual income
  • Age
  • Gender
  • Height
  • Weight
  • Street address
  • State of residence

You'll either qualify for a basic rate, special rate, or both from Health IQ. For the special rate (the best one available), an agent will call you shortly after finishing the form to discuss how you might qualify. Rates are double-checked by Health IQ, as they will consider up to 30 additional carriers for you to view. To qualify for the best rate, you can make an account and take a quiz that identifies your health literacy before choosing a policy.

Essentially, you are taken to a series of quizzes on topics like cold remedies, kissing risks and rewards, tips to keep working out, and many more. Answering correctly within each quiz earns you points that go towards your overall "health IQ". From there, you can verify your activity level by competing in a swim meet, cycling over 50 miles, running an 8-minute mile, or other activity. Once your "health IQ" and lifestyle verification is complete, you can choose your life insurance plan and hopefully be saving money.

Health IQ's focus on healthy lifestyle habits is unique because it shows they care about their customers. By keeping users informed through daily quizzes, they are creating change in people and getting customers invested in their personal health journey. This saves both Health IQ and the customer money in the long run if the customer is willing to put in the extra effort. We like the idea of earning lower life insurance rates by taking your exercise habits into account.

Forbes, TC, CNBC, VentureBeat, and San Diego Union-Tribe have all featured Health IQ and its appealing practices for healthy individuals. The Better Business Bureau gives them an A+ rating. Other customer reviews are extremely positive, referring to Health IQ as "top notch", "prompt", and "honest". If you're someone who cares about your health or needs an incentive to take care of yourself a little better, it will be worth your while to use Health IQ to get you on the right path and save you money on life insurance along the way. We recommend them as the best life insurance company among their competitors.

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Continued from above

It's suggested that individuals evaluate their life insurance policies yearly to make sure their coverage is sufficient for future needs. Premium costs are determined based on age, current health and health history, and occupational hazards. Depending on the policy, you'll typically be paying premiums either monthly or annually. Finding the best policy for you is quick and easy with online tools that connect you to the right company and terms for you and your loved ones.

Before signing up for a new life insurance policy, we suggest you keep the following criteria in mind when choosing a program:

  • Cost. There are lots of companies offering life insurance. Make sure you get a competitive price that allows you to put money toward your policy without interfering with your other expenses.
  • Insurer. Is the company you're buying from reputable? Are they going to be around for the duration of your policy? This is one of the most important things to look into before buying into a new life insurance policy.
  • Convenience. Find a company that helps you understand exactly what your policy entails. It's important that they cater to you in both signing up and maintaining your policy. Check if you can make electronic and/or automatic payments and easily contact customer service if needed.

To help you identify the best life insurance plans, TopConsumerReviews.com has reviewed and ranked the best life insurance companies available. We hope this information helps you find a life insurance policy that will give you and your loved ones peace of mind!

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Life Insurance for Senior Market Is Thriving Worldwide | Allianz, Assicurazioni Generali, China Life Insurance

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A life insurance medical exam can save you money. Here's what to expect from the test.

A life insurance medical exam is used to assess your current health to give you an accurate rate - it's not meant to be stressful.

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