Well being IQ Assessment // Life Insurance coverage For The Wholesome In 2021

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Savvy customers can benefit from below-average pricing, no matter their age or preexisting circumstances.

Well being IQ companions with top-rated insurance coverage suppliers, like John Hancock and Prudential, to ship tailor-made protection.

What else does this modern firm have to supply? On this Well being IQ overview, we’ll discover the important thing options that can assist you make an knowledgeable choice.

Professionals

  • Wonderful charges for folks with lively life
  • Works with greater than two dozen carriers
  • Extremely reasonably priced
  • Optimistic buyer opinions

Cons

  • Not a direct insurer
  • No on-line functions

Who Is Well being IQ?

Entrepreneur Munjal Shah suffered chest ache shortly after promoting his first firm to Google for $100 million.

The well being scare pressured Shah to reevaluate his priorities and way of life.

health iq review

He started consuming higher and exercising extra and even ran three marathons, which impressed him to launch Well being IQ in 2013 to encourage others to be more healthy too.

Well being IQ secured $35 million in preliminary funding, and within the following 22 months, gained $5.3 billion in insurance policies.

That astronomical development has include a fair proportion of accolades, such because the PM Society Digital Award’s winner for Market Entry and one in all GrowJo’s Quickest Rising Corporations in Well being.

The corporate sits squarely on the apex of the life insurance coverage market. It serves as a intermediary that approves insurance policies however would not do any underwriting.

That’s why Well being IQ doesn’t have a monetary ranking. The group outsources that to greater than two dozen carriers.

Life Insurance coverage made straightforward.

Brokers not required.

Get quotes and join on-line with out speaking to an agent. However, we’re right here in case you want us. 

Unbiased, skilled recommendation.

Get unbiased insurance coverage schooling from licensed specialists and in addition keep away from dodgy gross sales calls.

What Makes Well being IQ Totally different?

Well being IQ works with policyholders to make sure they keep wholesome whereas saving hundreds of {dollars} in premiums over the long term.

Based on the corporate web site, it’s the “solely firm that mixes your present well being, well being literacy, and lively way of life” to calculate life insurance coverage charges.

The end result: Well being IQ prospects pay 41% lower than policyholders elsewhere.

Well being IQ builds danger elements into its reductions. As an example, folks with a excessive physique mass index, blood stress, or ldl cholesterol begin with greater charges.

In the event that they work onerous and decrease any of these danger elements, Well being IQ provides them credit score and lowers their premiums.

Options & Advantages

Time period Life Insurance coverage

Time period life insurance coverage affords versatile and reasonably priced protection. It protects you for a specified time, with phrases starting from 10 to 30 years.

The coverage restrict will depend on your well being and underlying danger elements.

Well being IQ affords discounted charges for anybody with excessive well being consciousness. It can save you 25% on premiums for scoring within the elite vary.

Well being IQ additionally permits you to convert time period life insurance coverage into an entire life coverage if you’d like assured protection.

Entire Life Insurance coverage

Entire life insurance coverage consists of most of the similar advantages and options as time period life insurance coverage.

The distinction lies within the coverage period. Well being IQ covers you on your whole lifetime, so your beneficiaries obtain a assured demise profit.

The coverage is roughly 33% cheaper than conventional entire life insurance coverage.

Life Insurance coverage for Sort 2 Diabetics

Heath IQ markets itself in the direction of historically wholesome people, although they’re keen to make exceptions.

They associate with Protecting Life Insurance coverage Firm to create insurance policies for sort 2 diabetics.

Folks with diabetes should meet particular necessities, together with correct blood sugar administration and an lively way of life.

Notice that Well being IQ doesn’t require medical exams. It makes use of quizzes and surveys to gauge how wholesome or health-conscious you’re.

Commonplace insurance policies don’t require exams and supply as much as $500,000 in protection.

Reductions

Most individuals be a part of Well being IQ for the reductions. An elite check rating or an lively way of life robotically saves you 4% on coverage charges.

You’ll additionally get a reduction for:

  • No or minimal tobacco utilization
  • No document of substance abuse
  • No DWIs, DUIs, or driver’s license suspensions
  • Regular blood stress
  • Wholesome physique mass index
  • Correct persistent ache administration
  • A dietary weight loss plan

These perks show that for Well being IQ, insurance coverage charges should not be primarily based on arbitrary statistics, however on the best way that you just reside your life and the dangers you do—or do not—take.

Staying in form and decreasing medical dangers are important to dwelling an extended and wholesome life, and Well being IQ gives the construction and incentives to push folks in the direction of that future and get monetary savings within the course of.

Well being IQ Availability

Well being IQ affords unique charges to customers, which necessitates rigorous {qualifications} in comparison with different insurance coverage suppliers.

As an example, candidates will need to have well being literacy and lively way of life credit to qualify.

Well being IQ developed this technique after Shah found that wholesome dwelling correlates strongly with decrease dangers for untimely demise and well being issues.

They do settle for people with preexisting circumstances, together with sort 2 diabetes.

These candidates will need to have managed blood sugar ranges and an elite rating on the Well being IQ Diabetic Quiz.

There aren’t any restrictions primarily based on location or gender, and insurance policies can be found in all 50 states, together with Washington, D.C.

Life Insurance coverage made straightforward.

Brokers not required.

Get quotes and join on-line with out speaking to an agent. However, we’re right here in case you want us. 

Unbiased, skilled recommendation.

Get unbiased insurance coverage schooling from licensed specialists and in addition keep away from dodgy gross sales calls.

Protection in minutes.

You will get life insurance coverage protection inside minutes of getting your quotes and making use of.

Claims Course of & Assure

Well being IQ doesn’t write insurance policies, so your beneficiaries can’t file a declare by means of them.

They might want to contact the coverage supplier, whether or not that’s Mutual of Omaha, Securian, Transamerica, or in any other case.

Well being IQ Life Insurance coverage in Assessment

Well being IQ caters to health-conscious customers that need life insurance coverage to reward their way of life.

Insurance policies are perfect for swimmers, cyclists, and long-distance runners that includes low premiums and built-in incentives.

You’ll have to endure a number of assessments to earn protection, however the high quality justifies the funding for my part.

In case you are wholesome and wish life insurance coverage (and don’t thoughts the extra assessments) it is best to click on right here to get the method began.

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