Health IQ Gets The Tough Cases Approved

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So what should you do if you need to buy life insurance but have average or not so good health?

Answer:  Use Health IQ to get the job done!

That's right, Health IQ!  I know right?  You are probably thinking I was on their website and it said life insurance for the health-conscious.  That's true.  If you are health conscious, it is the best place to purchase your life insurance.

But what you might not know is Health IQ is a full service brokerage life insurance agency that works with over 25 different top life insurance carriers.  They are experts in getting the tough underwriting cases (average or not so good health) approved.

Health IQ uses top carriers like:

to get you the absolute best rate possible depending on your health condition.

Prudential is one of best carriers Health IQ uses when it comes to getting the tough cases approved.  Most everyone has heard of Prudential.  They are one of the most reputable carriers out there.

They are also known though out the life insurance brokerage industry as one of the more lenient underwriters when it comes to health and lifestyle risks.


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For example,  “If you chew go to Pru” is a saying among life insurance brokers.  You see most companies will give smoker rates for chewing tobacco use.  Not Prudential.  They give non-smoker rates for chewing tobacco use which translates into huge out of pocket savings!

The experts at Health IQ will always recommend the best life insurance at the best price based on your health and life style.

Health IQ has VERY KNOWLEDGEABLE  licensed experts.  They help you select the right company the first time.  This saves you time and aggravation by NOT KNOCKING ON THE WRONG INSURANCE COMPANY’S DOOR and getting overcharged or worst yet, declined.  It does not make sense to apply to a life insurance company who only wants to underwrite and insure healthy people if you are:

  • overweight
  • your dad died at age 55 due to a heart attack
  • you have a history of high blood pressure, high cholesterol, heart disease, etc.

Most important, the Health IQ licensed experts DO NOT OVER PROMISE!

Pre-existing health conditions? 

Don't worry.  AIG Direct specializes in insuring people just like you.  From high blood pressure to diabetes, AIG Direct has seen it all and has the absolute lowest rates.  Click below to see if you qualify.

Quotes are quick, easy, and free! 

Check Life Insurance Off Your To-Do List 

Our top 10 picks for quick, convenient life insurance coverage.  Our favorites are the "no-exam plans" with great rates up to age 60.

Quotes are quick, easy, and free! 

If it can be determined during a simple phone conversation that you are not insurable due to your health or hobbies,  the licensed experts at Health IQ will tell you so and not waste your time applying to a life insurance carrier only to have you declined.

In the event you apply to a life insurance company and come back rated (charged extra premium due to health or hobbies), the licensed experts at Health IQ will clearly explain the reason why you were rated and may even offer strategies on how to improve your standing going forward in the future.

If you answer “YES” to any of theses questions, we recommend you use Health IQ to help get the life insurance protection you need.

1. Are you overweight?

2. Do you smoke?

3. Are you currently treated for or have you been treated in the past for?

  • High Blood Pressure
  • High Cholesterol
  • Heart Disease
  • Stroke
  • Cancer
  • Crohn’s Disease
  • Prostate Disorders
  • Diabetes
  • Asthma
  • Arthritis
  • Anemia
  • Kidney or bladder disorder
  • Depression or anxiety disorder
  • Alcohol or drug use
  • Disorder of the brain, muscle, or nervous system

On Health IQ's site.  Health IQ is a licensed HEALTH IQ partner.

4. Was your mom, dad, biological brother or sister diagnosed with cancer, heart disease, or diabetes before the age of 60? (Not a consideration if you were adopted.)

5. Do you?

  • Fly as a pilot
  • Skydiving
  • Scuba diving
  • Race autos, motorcycles, etc.
  • Mountain climb
  • Or engage in any other hazardous occupations or activities

6. Do you currently or have you in the past use marijuana, use a vaporizer, chew tobacco, smoke a pipe or cigar?

7. Did you have a bad driving record in your past?


Health IQ gets the tough cases approved.   Health issues like heart disease, diabetes, cancer, obesity, stroke, mental illness, drug alcohol abuse, and more.  Even though Health IQ uses “life insurance for the health conscious” as their marketing motto, they are so much more!  With 25 of the most competitive carriers in the market, you are assured to get the best price if you are healthy or not.  Make sure you get a quote from Health IQ.  You will be impressed about how good they are!

Skip the Needles!

Want to take the "pain" out of life insurance?  We don't blame you!  Ladder Life Insurance is our #1 recommended no-exam company offering 10, 20, and 30 year plans up to age 60.  See if you qualify for "no exam" today.

Quotes are quick, easy, and free! 

Please also see our reviews for the following companies:

And if you’re searching for life insurance by term length or dollar amount, please visit this page

Written by:  Chris Lalor

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