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Insurance Life Insurance

Health IQ Life Insurance Review

Health IQ Logo
on Health IQ’s website
Editorial Rating

Editorial Rating

What we like:

Save up to 41% by having a high health literacy and healthy lifestyle

Type of Life InsuranceTerm life insurance
Coverage Amount$50,000$2 million+
Term Lengths10, 20, or 30 years
Age LimitsAt least 21 years old
Compare Health IQ to other life insurance companies

Health IQ claims to be the only company that combines your current health, health literacy, and active lifestyle to better predict your long-term health, leading to reduced life insurance costs by up to 41%.

This Health IQ review will cover what is offered, how it works, and the pros and cons.

In this review:

How Health IQ works

Health IQ is not an insurance carrier, rather it is a broker that through an online form can match you with personalized quotes from top carriers in the country.

The form itself can be completed in under 2 minutes and will be followed by a health literacy quiz. The quiz is part of Health IQ’s goal to reward healthy individuals with lower life insurance rates. The quiz can take up to 30 minutes if you take the entire time available but is more likely to take between 10 and 15 minutes.

Before you can receive personalized quotes, you’ll have to speak to a member of the Healthy IQ team. Waiting for a call can take between 24 to 48 hours.

Eligibility requirements

To be eligible for life insurance through Health IQ, you must be over 21 years old and be a resident of the United States. Depending on the carrier you are matched with, a blood test or health records may be required.

How to apply with Health IQ

Here are the steps to follow to apply for coverage:

  1. Visit Health IQ’s website here.
  2. Enter some personal information through their short form.
  3. Once you finish the form, you’ll be taken to a page that asks you to take a health literacy quiz. This quiz can take between 10 to 30 minutes and is a way for you to lower your life insurance costs.
  4. After completing the quiz and clicking to receive a free quote, you will be asked to verify some personal information. After this is submitted, you will need to wait for a call from Health IQ that can take between 24 to 48 hours.
  5. The person you speak with on the phone will be looking to verify your healthy lifestyle and discuss your next steps
  6. After this call, you can compare your personalized options before making the decision to complete your application with a specific carrier.

Application process (with screenshots)

Starting the application

To get started, you’ll need to enter your age. Once you do this you will go through a couple of pages that ask about your gender, height and weight, annual income, your address (the company explains why this is needed in the application), your name, and how you can be reached.

Start of the Health IQ application

Optional questions to see if you’re eligible for extra savings

Once you finish entering the information mentioned above, you’ll be asked whether you would take a 10 minute quiz and whether you would be willing to provide proof of exercise to earn extra savings.

Health IQ Quiz Savings
Health IQ Proof of Exercise Savings

Submitting the application

To complete the application, you’ll be asked what range of coverage you’re looking for. The greater the coverage, the more savings available. Health IQ will compare your personalized quotes from top carriers to see who can offer you the best rate.

Health IQ Submitting the Application

Health IQ reviews

Health IQ has received strong consumer ratings through TrustPilot on top of the highest overall rating from the BBB.

Trustpilot ScoreBBB Rating
Health IQ4.8/5A+

Pros and cons


  • Health IQ rewards those who are health-conscious with savings as high as 41%

  • Filling out the online form is fast and easy

  • Two levels of rate checks: first from Health IQ’s special rate partners and then from retail rate carriers

  • Positive consumer reviews on Trustpilot (4.8/5)


  • The application process can take a couple of days before you get to choose your carrier

  • Health IQ only offers term life insurance

Alternatives to Health IQ

Health IQ is not an insurance carrier and those that would prefer to work with one directly can use our guides to the best life insurance and best term life insurance to compare some options.

Ready to apply for life insurance through Health IQ? Check out its website.

  • Coverage: $50,000 – $2 million+
  • Term Lengths: 10, 20, or 30 years
  • Type of Life Insurance: Term life insurance