Health IQ Reviews – How Does it Stack Up?

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Health IQ Life Insurance

Are you a healthy taxpayer? Are you tired of subsidizing the unhealthy people in America? More than 100-million Americans are overweight, and further 70-million are obese. Research shows that obese individuals are at a higher risk of developing complications with their health as they age.

Obese individuals have a higher chance of accumulating various forms of chronic disease, including cardiovascular problems, diabetes, and digestive issues. As a healthy American, it's your tax dollars subsidizing these people's battle with illness due to poor lifestyle and dietary habits.

When Health IQ co-founder, Munjal Shah, started feeling chest pains after a friend invited him to compete in a race – he decided to take his health seriously. Shah lost weight and started eating right, focusing on improving his health.

He also had a vision of rewarding healthy individuals with lower health insurance premiums. However, the health insurance industry in America is a highly regulated space. There was no way Shah could open a firm dealing with discounted health insurance rates. In America – the healthy must subsidize the sick.

Instead, Shah decided to focus his attention on providing lower life insurance products to healthy individuals. After all, healthy people live longer, so their life insurance products and premiums should reflect this difference in health.

In this detailed review, we have provided a review for Health IQ life insurance along with details around the company and product.

health iq review

We recommend Health IQ for those with a healthy lifestyle

Get rewarded for your positive lifestyle choices

Health IQ performs across several metrics


Works with several top rated carriers 


Get a quote and policy through a seamless process


Get unique savings on premium by making health conscious decisions

Overall rating :  4 / 5

Health IQ offers a unique product in the life insurance industry. By living a healthy lifestyle, your family knows they have life insurance coverage for you if things ever go wrong. Reduce the costs around insuring your future with Health IQ.

Health IQ – Growing into the Future of Health Insurance

Health IQ want to incentivize you to get in shape. They feel by giving people lower life insurance premiums related to the state of your health, that's an incentive to keep you and your family healthy. Health IQ is doing something right, because its coverage went from $500-millon in coverage during 2016, to over $15-billion today.

Over the last 5-years, Health IQs collection of data from its customer lead to the development of an advanced database, tracking mortality rates. The mortality database helps the Health IQ algorithm supply incentives for lower rates with carriers for its customers.

What Is Health IQ? Do I Need Life Insurance?

Life insurance is a critical product for anyone. Whether you have a family or not, life insurance can help those you care about handle the emotional and financial implications of your passing. Without life insurance, you might not have enough money to pay estate taxes and burial costs surrounding your death. As a result, you place a financial burden on your loved ones in their time of mourning you.

With life insurance, you have coverage to take care of your family after you're gone. It's something that every family needs, even if you don't have kids or life partners. Someone will have to bury you, and it's usually your next of kin that takes on the responsibility.

Life insurance premiums can be expensive. Insurers don't need a fancy algorithm to tell you that healthy people live longer and cost less to insure. However, unhealthy die sooner in life, costing more to insure. Therefore, the healthier you are, the more you should save on your life insurance costs. However, it doesn't always work out that way.

Health IQ saw a gap in the market to offer health-related life insurance products. All Americans want to live longer, but many are unwilling to adjust their lifestyle habits to extend their lifespan and improve their health.

If you want to hold your grandchildren one day, you need to exercise and watch what you eat. With Health IQ, you get the reward of lower premiums on your life insurance for being responsible for your health, watching what you eat, and exercising.

Health IQ – The Life Insurance for Healthy People

Health IQ operates a little differently from what you expect. When signing up for the platform, they run you through a quiz to assess your fitness. You don't have to go to the doctor's office to answer this quiz, and you can do it on your phone right now.

The point of the quiz is to ask you questions that only a healthy person can answer. The questions are about your exercise performance, your heart rate, respiration, and well-being. This quiz gives Health IQ and indication of how healthy you are, and what they can expect from your physical conditioning.

Health IQ breaks up your questionnaire into different categories, depending on your favorite health activities. They offer questionnaires in the following activities.

  • Long-distance running
  • Cyclists
  • Weight-Lifters
  • High-Intensity-Interval-Training (HIIT) Athletes
  • Swimmers
  • Competitive triathletes
  • Yogis
  • Hikers
  • and many more

In the questionnaire, you receive a set of questions from a database of over 30,000 queries designed to test your health knowledge. The questions cover all aspects of your health, including your nutrition, exercise, and medical knowledge.

With the nutrition test, you'll receive questions on nutrition hacks, choosing nutrient-dense foods, and nutrition for vegans and vegetarians. The exercise side of things looks at running and memory and the effects of HIIT exercise on metabolism. There are even questions on how yoga poses affect digestion.

With the medical queries, you get questions on the side effects of statins on the body and the types of anti-inflammatory foods you need to include in your diet and food combinations that improve your health.

For individuals with a healthy lifestyle, Health IQ can help you save money for the positive life choices you already make


  • Excellent insurance premiums for people who live healthy lifestyles
  • Work with more than 25 insurance carriers
  • Low insurance premiums with people that manage type-2 diabetes


  • Not the best option for those with unhealthy lifestyles or those unwilling to take care of their health

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