Sproutt Review: Tech-Based, Personalized Life Insurance

What if your life policy premium could be reduced by sleeping more at night? How about you, by spending more time with them, the right life insurance policy for yourself and your family? It isn't distasteful.

Sproutt guarantees the best prices for you based on choices in your lifestyle such as sleep and how much you spend with your family with the right life insurance policies.

In this analysis we will discuss Sproutt and how they can help you find a life insurance package that is customised to your way of life.

See how Sproutt is compared with the best life insurance firms online.

What Is Sproutt?

Sproutt is a start-up in health technology which wants to take information on your lifestyle and use that information along with artificial intelligence to predict your quality of life. They choose the best life insurance policy out there to "reward you."

Traditional life insurance plans are controversial because they blame people for prior health and risky lifestyle choices.

Sproutt tries to turn this paradigm upside-down instead of punishing people. In fact, Sproutt aims to use its technologies to assist people to make these healthier decisions so they can obtain the best life insurance. Instead of dismissing them because of lifestyles.

The QL Index Score

If you get to the website of Sproutt, the homepage tells you that "life insurance will reward your choices in your life style."

What does this mean, exactly?

Ok, Sproutt computes what they call the 'Life Quality Index' (QL index score).

The score includes five areas of lifestyle: movement, sleep, mental wellbeing, diet and equilibrium.

You will need a test lasting about 15 minutes to get your QL index ranking.

Then Sproutt is able to fit you with a life insurance policies that make sense for you using data and artificial intelligence.

In addition to using your QL index to balance your LI items, Sproutt can also provide you with individual tips for enhancing your QL scoring and gaining access to even improved life insurance.

No-Exam Life Insurance

Standard life-insurance policies can take weeks to be accepted and require a health check. With no life insurance policy, you can immediately and without a medical examination receive a life insurance policy.

Sproutt's consultants will help you to find the right life insurance policy without exam when you are in a situation where life insurance needs to be secured promptly.

A Sproutt advisor will help you easily identify a lifetime insurance coverage if you are in good health and you see a good QL index ranking.

So If They’re Matching People, How Does Sproutt Get Paid?

In essence, Sproutt is a life insurance agent. They also have a contract with life insurance firms that pay each new customer they carry a commission.

Sproutt may be inclined to choose and recommend life insurance plans (and, thus, companies) to clients.

However it says on its website: "We are making our employee benefits system so that they are oblivious to which insurance firm the customer is selecting, in order to maintain objectivity.

They claimed at least that, in proposing a life policy that fits your situation, they aim for objectivity.

Sproutt is a freelance broker but they don't work for a single life insurance firm at this time.

You Can Speak to a Real Person

If you ever were disappointed that in an insurance firm you couldn't speak to a real person, you'd like Sproutt.

From Monday to Friday, from 9:00 a.m. to 7:00 p.m., call 1-888-786-3917. Eastern Standard Time to discuss your life insurance needs with someone.

If You Don’t Want to Talk to Someone, Know You Can Do Everything Online

Doesn't your life insurance want to talk to anybody? Through the Sproutt website, you can complete your full application online.

You should, however, remember that you might still want to have a phone interview with the insurance firm you register with.

Overall Thoughts

Sproutt is a very young business and so once they have been around, we can see how efficient the systems are.

Nevertheless, I think that their plan is a smart one for people to test the quality of their lives.

My minor concern is that it might be a strain for them to ask someone to sit down and take a 15-minute exam. If you are on the market, though, to get the best insurance for life, you may not be concerned.

Again, we're going to see how it works.

But ultimately, it seems like this technology-based insurance company is heading in the right direction. So if your life insurance policy on the market is fine, go ahead and check it out.