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Health IQ Review // Life insurance for healthy 2020



Good-looking customers can benefit from below-average pricing, regardless of age or existing circumstances.

Health IQ partners with top-ranked insurance providers, such as John Hancock and Prudential, to deliver customized coverage.

What else does this innovative company have to offer? In this Health IQ review, we will examine the key features that will help you make an informed decision.

Advantages

  • Excellent prices for people with active lifestyles
  • Works with more than two dozen carriers
  • Very affordable
  • Positive customer reviews

Disadvantages

  • Not a direct insurance company
  • No online applications

Who is Health IQ?

Entrepreneur Munjal Shah suffered chest pain shortly after selling his first business to Google for $ 100

The health scare forced Shah to reevaluate his priorities and lifestyle.

  health iq review

He started eating better and exercising more and even ran three marathons, which inspired him to launch Health IQ 2013 to inspire others to get healthier as well.

Health IQ secured $ 35 million in initial funding, and over the next 22 months received $ 5.3 billion in policy.

The astronomical growth has come with a fair share of awards, such as the winner of the PM Society Digital Award for market access and one of GrowJo's fastest growing companies in health. [19659017] The company is completely at the forefront of the life insurance market. It acts as an intermediary who approves policies but makes no guarantee.

That's why Health IQ has no financial rating. The organization outsources it to more than two dozen transportation companies.

Life insurance made it easy.

Agents not required.

Get a quote and register online without talking to an agent. But we're here if you need us.

Indefinite, expert advice.

Get impartial insurance training from licensed experts and also avoid dubious sales calls.

What makes health IQ different? dollars in long-term premiums.

According to the company's website, it is "the only company that combines your current health, health skills and active lifestyle" to calculate life insurance levels.

Result: Health IQ customers pay 41% less than policyholders elsewhere.

Health IQ builds risk factors in its rebates. For example, people with high body mass index, blood pressure or cholesterol start with higher prices.

If they work hard and lower any of these risk factors, Health IQ gives them credit and lowers their premiums.

Features & Benefits

Long-term life insurance

Life insurance in time offers flexible and affordable coverage. It protects you for a certain period of time with terms ranging from 10 to 30 years.

The policy limit depends on your health and underlying risk factors.

Health IQ offers discounted rates for anyone with high health awareness. You can save 25% on premiums for scoring points in the elite area.

With Health IQ, you can also convert life insurance to an entire life policy if you want guaranteed coverage.

Whole life insurance

Whole life insurance includes many of the same benefits and features as life insurance.

The difference lies in the insurance period. Health IQ covers you throughout your life, so your beneficiaries receive a guaranteed death benefit.

The insurance is approximately 33% cheaper than traditional full life insurance.

Life Insurance for Type 2 Diabetics

Heath IQ markets itself to traditionally healthy individuals, even if they are willing to make exceptions.

They partner with the Protective Life Insurance Company to create policies for type 2 diabetics.

People with diabetes must meet specific requirements, including proper blood sugar management and an active lifestyle.

Note that health IQ does not require medical examinations. It uses quizzes and surveys to assess how healthy or health conscious you are.

Standard policy does not require surveys and provides up to $ 500,000 in coverage.

Discounts

Most people agree to Health IQ for discounts. An elite test score or an active lifestyle automatically saves you 4% on policy rates.

You also get a discount for:

  • No or minimal tobacco use
  • No registration of drug abuse
  • No DWI, DUI or driving license suspension
  • Normal blood pressure
  • Healthy body mass index
  • Correct chronic pain53 ] A Nutrition Diet

These benefits show that for Health IQ, the degree of insurance should not be based on arbitrary statistics, but on how you live your life and the risks you take or do not take.

Keeping fit and reducing medical risks is crucial to living a long and healthy life and Health IQ provides the structure and incentives to drive people towards that future and save money in the process.

Health IQ Availability

Health IQ offers exclusive prices to consumers, which requires strict qualifications compared to other insurance providers.

For example, applican ts must have health skills and active lifestyle merits to qualify.

Health IQ developed this system after Shah discovered that a healthy life strongly correlates with lower risks of premature death and health complications.

They accept individuals with pre-existing conditions, including type 2 diabetes.

These applicants must have controlled blood sugar levels and an elite score on the Health IQ Diabetic Quiz.

There are no restrictions based on location or gender, and policies exist in all 50 states, along with Washington, DC

Life Insurance Easy.

Agents not required.

Get a quote and register online without talking to an agent. But we're here if you need us.

Undistributed, expert advice.

Get impartial insurance training from licensed experts and also avoid dubious sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of receiving your quotation and application.

Claim Process and Warranty

Health IQ does not write policies, so your beneficiaries cannot file a claim through them.

They will need to contact the insurer, whether it is mutual from Omaha, Securian, Transamerica or otherwise.

Health IQ Life Insurance in Review

Health IQ is aimed at health-conscious consumers who want life insurance to reward their lifestyle.

Policy is ideal for swimmers, cyclists and long-distance runners with low premiums and built-in incentives.

You have to undergo several tests to get coverage, but the quality justifies the investment in my opinion.

If you are healthy and need life insurance (and do not think about the supplemental tests), you should click here to get started.


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