Advertising Disclosures

Health IQ Insurance Services – CA license No. OK27284, AR License No. 100132134.

Rates and savings are non-binding, subject to change, and based on a hypothetical customer that may not apply to you.  Your specific rate and savings will vary based on individual circumstances, including age, gender, height, weight, health, location, issuing insurer, coverage amount, time of purchase, and other factors.  Coverage and special rates are subject to verification and underwriting approval.

Life Insurance Disclosures

Standard Underwriting Term Life Disclosures

Top 30 Disclosure: Potential savings are estimated by comparing the difference between the median and lowest price for a 40-year-old male nonsmoker in California in the preferred plus health class. For a $500,000, 15-year term life policy, the price difference between the lowest and median quotes is 25.5%, for a savings of $1,217.85 over the policy’s lifetime. Individual savings and rate will vary as specific circumstances affect each customer's rate. Calculation valid as of 07/12/17.

Healthy Lifestyle Disclosure: Potential savings of 33% are calculated using a 44-year old male non-smoker in California with a 30 year, $500,000 Ameritas Special Rate life insurance policy, paid monthly, in the preferred plus rate class after benefiting from the Health IQ stretch underwriting guidelines. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculation valid as of 10/26/17.

Replacement (Refi) Disclosure: Potential savings of 22% (or $1,966) is based on the total cost, over 20 years, of a $500,000 preferred plus policy and based on actuarial assessment of improved mortality rates between the 2001 and 2015 Society of Actuaries Valuation Basic Tables. Purchasing a policy from Health IQ to replace an existing policy may result in coverage being subject to different coverage terms and conditions, as well as a loss of rights or equity. Please consider the pros and cons of replacing Term Life Insurance policies before canceling any existing policy. Calculation valid as of 06/06/18.

Work Insurance Replacement Disclosure: Potential savings of 66% based on the total cost, over 20 years, of a $500,000 group life insurance plan for a 40-year-old male non-smoker in CA, compared to the same person obtaining a $500,000 Protective Life preferred plus policy through Health IQ. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculation valid as of 06/06/18.

$250,000 Quote Disclosure for $13/mo (age 35): Potential Savings are calculated using a 35-year old male non-smoker in California receiving a 15 year, $250,000 life insurance policy that he pays $159 yearly ($13.25/month) for an AIG product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 07/06/18.

$250,000 Quote Disclosure for $22/mo (age 45): Potential Savings are calculated using a 45-year old male non-smoker in California receiving a 15 year, $250,000 life insurance policy that he pays $259.99 yearly ($21.67/month) for a Legal & General product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 08/22/18.

$500,000 Quote Disclosure for $20/mo (age 35): Potential Savings are calculated using a 35-year old male non-smoker in California receiving a 20 year, $500,000 life insurance policy that he pays $245 yearly ($20.42/month) for a Protective product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 07/06/18.

$500,000 Quote Disclosure for $37/mo (age 45): Potential Savings are calculated using a 45-year old male non-smoker in California receiving a 15 year, $500,000 life insurance policy that he pays $443.65 yearly ($36.97/month) for a Legal & General product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 08/22/18.

$1,000,000 Special Rate Quote for $36/mo: Potential savings calculated using a 35-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy for $35.59/mo for a special rate product with SBLI.Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 5/1/19.

$1,000,000 Quote Disclosure for $35/mo (age 35): Potential Savings are calculated using a 35-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy that he pays $415 yearly ($34.58/month) for where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 07/06/18.

$1,000,000 Quote Disclosure for $37/mo (age 36): Potential Savings are calculated using a 36-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy that he pays $444 yearly ($37/month) for where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 2/11/19.

$1,000,000 Quote Disclosure for $40/mo (age 37): Potential Savings are calculated using a 37-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy for which he pays $484 yearly ($40.33/month) where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 02/11/19.

$1,000,000 Quote Disclosure for $44/mo (age 38): Potential Savings are calculated using a 38-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy for which he pays $522.80 yearly ($43.57/month) where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 02/11/19.

$1,000,000 Quote Disclosure for $47/mo (age 39): Potential Savings are calculated using a 39-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy for which he pays $562.70 yearly ($46.89/month) where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 02/11/19.

$1,000,000 Quote Disclosure for $50/mo (age 40): Potential Savings are calculated using a 40-year old male non-smoker in California receiving a 20 year, $1,000,000 life insurance policy for which he pays $604.30 yearly ($50.35/month) where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 02/11/19.

$1,000,000 Quote Disclosure for $66/mo (age 45 #1): Potential Savings are calculated using a 45-year old male non-smoker in California receiving a 15 year, $1,000,000 life insurance policy that he pays $794 yearly ($66.17/month) for a Protective product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 08/22/18.

$1,000,000 Quote Disclosure for $46/mo (age 45 #2): Potential Savings are calculated using a 45-year old male non-smoker in California receiving a 10 year, $1,000,000 life insurance policy that he pays $553 yearly ($46.08/month) for a Principal product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 08/22/18.

$1,500,000 Quote Disclosure for $49/mo: Potential savings are calculated using a 40-year old male non-smoker in California receiving a 15 year, $1,500,000 life insurance policy that he pays $583.90 annually ($48.66/month) for a Protective product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 3/15/19.

$2,000,000 Quote Disclosure for $63/mo: Potential savings are calculated using a 35-year old male non-smoker in California receiving a 20 year, $2,000,000 life insurance policy that he pays $756 annually ($63/month) for a Lincoln product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 12/10/18.

$2,000,000 Special Rate Quote Disclosure for $63/mo: Potential savings are calculated using a 34-year old male non-smoker in California receiving a 20 year, $2,000,000 life insurance policy that he pays $759 annually ($63/month) for an SBLI special rate product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 4/22/19.

$3,000,000 Quote Disclosure for $93/mo: Potential savings are calculated using a 40-year old male non-smoker in California receiving a 15 year, $3,000,000 life insurance policy that he pays $1,112.80 annually ($93/month) for a Protective product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 12/11/18.

$5,000,000 Quote Disclosure for $152/mo: Potential savings are calculated using a 40-year old male non-smoker in California receiving a 15 year, $3,000,000 life insurance policy that he pays $1,818 annually ($152/month) for a Protective product where the applicant would qualify for preferred plus rate class. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 12/11/18.

$500,000 Price Grid Disclosure: Typical Prices are calculations of the median monthly price paid by Health IQ’s in-force, non-table rated customers of a specified age. Individual prices will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 08/27/18.

22% Volume Discount Disclosure:  22% volume savings calculated by comparing the price per $100,000 of coverage for (i) a $500,000 policy with a $1,000,000 policy from Prudential, using a 35 year old male, non-smoker in California getting a Preferred Plus rate.

37% and $2,577 Savings Disclosure: Potential savings are calculated using a 40-year-old male non-smoker in California purchasing a 10-year, $1,000,000 special rate term life insurance policy for $36.82/mo where the applicant would qualify for the preferred rate class only after benefiting from Health IQ's stretch underwriting guidelines, and comparing that to the retail rate from the same carrier as of Jan. 1, 2019 which would cost the same individual $58.29/mo, for a savings of 37% and a lifetime savings of $2,577.  Individual savings and rate will vary as specific circumstances affect each customer’s rate. Calculation valid as of 1/23/19.

37% and $7,263 Savings Disclosure: Potential savings are calculated using a 40-year-old male non-smoker in California purchasing a 10-year, $3,000,000 special rate term life insurance policy for $103.91/mo where the applicant would qualify for the preferred rate class only after benefiting from Health IQ’s stretch underwriting guidelines, and comparing that to the retail rate from the same carrier as of Jan. 1, 2019 which would cost the same individual $164.43/mo, for a savings of 37% and a lifetime savings of $7,263.  Individual savings and rate will vary as specific circumstances affect each customer’s rate. Calculation valid as of 1/23/19.

41% and $10,568 Savings Disclosure: Potential savings are calculated using a 36-year-old male non-smoker in California purchasing a 30-year, $500,000 special rate term life insurance policy for $42.25/mo where the applicant would qualify for the Preferred rate class only after benefiting from Health IQ’s stretch underwriting guidelines, and comparing that to the retail rate from the same carrier, which would cost the same individual $71.61/mo, for a savings of 41% and a lifetime savings of $10,568.  Individual savings and rate will vary as specific circumstances affect each customer’s rate. Calculation valid as of 4/12/19.

Runners Savings Disclosure: Potential savings ($17 compared to $27) is calculated using a 40-year-old male non-smoker in California receiving a 20 year, $250,000 life insurance policy that he pays monthly for an Ameritas special rate product where the applicant would qualify for preferred plus rate class only after benefiting from the Health IQ stretch underwriting guidelines. Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Potential savings calculations are valid as of 9/7/18.

$9,906 Savings Disclosure: Potential Savings are calculated using a 44-year old male non-smoker in California receiving a 30 year, $500,000 life insurance policy that he pays monthly for an Ameritas Special Rate product (with Elite Quiz and Affinity Qualification; see related disclosures) where the applicant would qualify for preferred plus rate class only after benefiting from the Health IQ stretch underwriting guidelines. Potential Savings calculations are valid as of 10/26/17.

Elite Quiz Savings Disclosure: Savings are estimated by comparing the difference between the non special rate vs Health IQ’s exclusive special rate for those scoring Elite on their Health IQ Quiz. The rates are calculated for a 38-year-old male non-smoker in California in the preferred plus health class. Comparing quotes for a $250,000, 15-year term life policy, the price difference between the non-special rate and special rate quotes is 21%. Rates are subject to change and are valid as of 10/05/17.

 

Affinity Qualification Savings Disclosure: Savings are estimated by comparing the difference between Health IQ’s Elite Quiz Special Rate for those who qualify for Health IQ’s additional Affinity Qualification Special Rate. The rates are calculated for a 38-year-old male non-smoker in California in the preferred plus health class. Comparing quotes for a $250,000, 15-year term life policy, the price difference between Health IQ’s Elite Quiz Special Rate and Health IQ’s additional Affinity Qualification Special Rate is 4%, bringing the total savings to 25%. Rates are subject to change and are valid as of 10/05/17.

45% Rate Increase From Waiting Four Years: 45% increase calculated based on comparing the rate for a 40-year-old male non-smoker in California purchasing a 20-year, $500,000 term life insurance policy at the preferred plus rate class for $375.61/yr, with a similar 44-year-old purchasing the same policy for $544.10.  Individual increase will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 01/24/2019.

Accelerated Underwriting (No Medical Examination)

$250,000 Quote for $15/mo (No Exam): Estimated rate calculated using 35-year-old male non-smoker in California receiving a 20 year $250,000 term life policy from Sagicor where the applicant qualifies for the preferred plus rate class.  Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 10/23/18.

$500,000 Quote for $24/mo (No Exam): Estimated rate calculated using 35-year-old male non-smoker in California receiving a 20 year $500,000 term life policy from Sagicor where the applicant qualifies for the preferred plus rate class.  Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 10/18/18.

$250,000 Quote for $15/mo (No Exam and Special Rate From Quiz): Estimated rate calculated using 35-year-old male non-smoker in California receiving a 20 year $250,000 term life policy for $182.85 annually ($15.21/mo) from SBLI where the applicant qualifies for the preferred plus rate class and Health IQ’s special rate product by scoring Elite on the Health IQ quiz.  Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 11/27/18.

$500,000 Quote for $24/mo (No Exam and Special Rate From Quiz): Estimated rate calculated using 35-year-old male non-smoker in California receiving a 20-year $500,000 term life policy for $286.13 annually ($23.84/mo) from SBLI where the applicant qualifies for the preferred plus rate class and Health IQ’s special rate product by scoring Elite on the Health IQ quiz.  Individual savings and rate will vary as specific circumstances will affect each customer's rate and savings. Calculations valid as of 11/27/18.

No Medical Exam Disclosure: All applicants must answer application health questions and undergo automated underwriting review. Depending on health answers, electronic report results, age, and amount of insurance applied for, an applicant may not receive an immediate decision, and a review of more information and/or a medical exam may be required to determine eligibility.

Diabetics Disclosures

Potential Savings for Diabetics Disclosure: Potential savings are estimated by comparing the difference between the lowest and highest price for a 40-year-old male nonsmoker with diabetes in California in the standard rate class. For a $250,000, 15-year term life policy, the price difference between the lowest and highest quotes is 38.28%, for a savings of $2,827.65 over the policy’s lifetime. Individual savings and rate will vary as specific circumstances affect each customer's rate. Calculation valid as of 08/08/18.

35% Savings for Diabetics Disclosure: Potential savings are calculated by using a 40-year-old male non-smoker standard rate class type 2 diabetic in California purchasing a 15-year, $250,000 term life insurance policy from AIG ($319 annual premium) and comparing that price to a product with the same parameters from Lincoln ($490 annual premium), a savings of $2,565 over the life of the policy.  Individual savings and rate will vary as specific circumstances affect each customer’s rate. Calculation valid as of 11/16/18.

$100,000 Quote for Diabetics Disclosure ($14/mo, 28% savings): Potential Savings calculated using a 40-year old male non-smoker type 2 diabetic in California paying $172.23 yearly ($14.35/month) for a 15 year, $100,000 special rate life insurance policy from Protective where the applicant would qualify for the Table 3 rate class.  The same individual purchasing Protective’s product who did not qualify for the unique offering would pay $231.99 yearly ($19.33/month), with the special product representing a 28% savings.   Individual savings and rate will vary as specific circumstances will affect each customer’s rate and savings. Calculations valid as of 12/12/18.

$100,000 Quote for Diabetics Disclosure ($16/mo): Potential Savings calculated using a 40-year old male non-smoker type 2 diabetic in California paying $188.98 yearly ($15.75/month) for a 15 year, $100,000 special rate life insurance policy from Protective where the applicant would qualify for the Table 3 rate class. The same individual purchasing Protective’s retail product would pay $261 yearly ($21.75/month), with the special product representing a 27.7% savings (lifetime savings of $1,647). Individual savings and rate will vary as specific circumstances will affect each customer’s rate and savings. Calculations valid as of 10/26/18.

$250,000 Quote for Healthy Lifestyle Diabetics Product ($27/mo, 38% savings): Potential Savings calculated using a 40-year old male non-smoker type 2 diabetic in California paying $26.54/month for a 15 year, $250,000 healthy lifestyle qualified life insurance policy from Protective where the applicant would qualify for the Table 2 rate class. The same individual purchasing a retail product who did not qualify for the unique offering could pay up to $42.88/month, with the special product representing up to a 38% savings. Individual savings and rate will vary as specific circumstances will affect each customer’s rate and savings. Calculations valid as of 12/12/18.

$250,000 Quote for Diabetics Disclosure ($29/mo): Potential Savings calculated using a 40-year old male non-smoker type 2 diabetic in California paying $346.90 yearly ($28.91/month) for a 15 year, $250,000 special rate life insurance policy from Protective where the applicant would qualify for the Table 3 rate class.  The same individual purchasing Protective’s retail product would pay $508 yearly ($42.30/month), with the special product representing a 31.7% savings (lifetime savings of $2,416.50).   Individual savings and rate will vary as specific circumstances will affect each customer’s rate and savings. Calculations valid as of 10/26/18.

Lowest/Cheapest Rates for Diabetics Disclosure: Special rate product for diabetics from Protective is 9% cheaper on average as compared to prices from three leading carriers (Prudential, John Hancock, and Legal & General) for similarly situated individuals with diabetes.  Analysis compared 155 different cells for males of various ages (45, 50, 55, 60), A1C (<=7.0, 7.1-7.9, <=6.5 for age 60), term (10, 15, 20, 30), and face value ($100K, $250K, $500K, $1MM, $2MM).  While Protective's special rate product is cheaper on average, it may not be cheaper for all individuals in every circumstance.  Your individual rate will vary.  Calculation valid as of August 27, 2018.

Carrier Comparison Disclosures

State Farm Disclosure: Potential savings calculated by comparing quotes for 35 year old male non-smoker in California in best rate class seeking 20 year term life insurance with $1,000,000 in coverage.  Quote from State Farm was $46.99/mo, and quote from best carrier available to Health IQ was $34.58, which represents a savings of up to 26%.  Your individual rate may vary.

Northwestern Mutual Disclosure: Potential savings calculated by comparing quotes for 35 year old male non-smoker in California in best rate class seeking 20 year term life insurance with $1,000,000 in coverage.  Quote from Northwestern Mutual was $56.18/mo, and quote from best carrier available to Health IQ was $34.58, which represents a savings of up to 38%.  Your individual rate may vary.  Quotations valid as of January 14, 2019.

Allstate Disclosure: Potential savings calculated by comparing quotes for 35 year old male non-smoker in California in best rate class seeking 20 year term life insurance with $1,000,000 in coverage.  Quote from Allstate was $58.52/mo, and quote from best carrier available to Health IQ was $34.58, which represents a savings of up to 41%.  Your individual rate may vary.  Quotations valid as of January 24, 2019.

Farmers Disclosure: Potential savings calculated by comparing quotes for 35 year old male non-smoker in California in best rate class seeking 20 year term life insurance with $1,000,000 in coverage.  Quote from Farmers was $53.51/mo, and quote from best carrier available to Health IQ was $34.58, which represents a savings of up to 35%.  Your individual rate may vary.  Quotations valid as of January 24, 2019.

Nationwide Disclosure: Potential savings calculated by comparing quotes for 35 year old male non-smoker in California in best rate class seeking 20 year term life insurance with $1,000,000 in coverage.  Quote from Nationwide was $42.28/mo, and quote from best carrier available to Health IQ was $34.58, which represents a savings of up to 18%.  Your individual rate may vary.  Quotations valid as of January 24, 2019.

General Disclosures

Testimonial Disclosure: The content of all Health IQ testimonials are real reviews from real customers. The pictures associated with each real testimonial may be pictures of paid actors.  Because Life Insurance is highly individualized, the rate and circumstances described in theses reviews may not reflect typical savings or conditions.

Qualification Disclosure: Qualifications for our exclusive discounts are for example only. Actual qualifications depend on applicant’s gender, age and specific qualifying circumstances.

Disability Insurance Disclosures

$46/month Quote for Disability Insurance: Estimated rate and savings calculated based on non-smoking male age 35 in California, in occupation class 6A, paying $45.63 monthly for disability insurance from Ameritas with $4,000 monthly base benefit (5 year maximum benefit period and elimination period of 180 days) and qualifying for 15% savings based on health conscious qualification criteria.  Individual savings and rate will vary as specific circumstances affect each customer's rate. Calculation valid as of 10/23/18.

15% Savings on Ameritas Disability Insurance Products Disclosure: In order to qualify for a 15% savings for an Ameritas disability insurance product, an individual must score Elite on one of Health IQ’s quizzes.

Health Insurance Disclosures

General Rate Disclosure: Rates and savings are illustrative only, non-binding, and subject to change.  Your specific rate and savings will vary based on individual circumstances, including age, height, weight, health, health plan, and other factors.  Short term health insurance covers many illnesses and accidents, but does not provide all ten essential minimum benefits of the Affordable Care Act.

ACA Disclosure: This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage.” If you don’t have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

66% Savings Disclosure: Potential savings of 66% based on results of two analyses comparing certain short term medical plans with plans meeting the requirements of the Affordable Care Act.  Your savings will vary.  Sources: Feb. 18, 2015 AgileHealthInsurance analysis; Sept. 29, 2017 eHealth analysis.

$68 Rate Disclosure: Potential rate of $68/month based on 30-year-old male in zip code 85001 (AZ) purchasing a UnitedHealthcare Short Term Medical Plus Select A 5000/20/7000 plan. Rate is subject to change and your rate will vary.  Calculation valid as of September 10, 2018.  

Research & Statistics

Health IQ’s research shows activities like running lower your risk for heart disease, cancer and diabetes.  

Heart disease: 56%

Cancer: 20%

Diabetes: 58%

Heart: Warburton et al., CMAJ. (2006) http://www.cmaj.ca/content/174/6/801.long

Cancer: Moore et al. JAMA Intern Med (2016)  https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2521826

Diabetes: Diabetes Prevention Program Research Group N Engl J Med (2002) http://www.nejm.org/doi/full/10.1056/NEJMoa012512#t=article

Liu, et al. JACC (2018)

Early Mortality: Hulsegge, et al. JAHA (2016)

http://jaha.ahajournals.org/content/5/1/e002432.full

Qualification Criteria (Applicable Only to Carriers That Offer Health IQ’s Special Rate Products)

Can you run an 8 minute mile?

Running an 8 minute mile can qualify a male based on running a 10K race under 50 minutes. Qualification standards are adjusted for applicant age, gender, running distance. Proof of race result and additional qualification criteria are required.

Can you run a 9 minute mile?

Running a 9 minute mile can qualify a 40 year old male based on running a 10K race under 55 minutes. Qualification standards are adjusted for applicant age, gender, running distance. Proof of race result and additional qualification criteria are required.

Can you run a 10 minute mile?

Running a 10 minute mile can qualify a 50 year old male based on running a 10K race under 1 hour. Qualification standards are adjusted for applicant age, gender, running distance. Proof of race result and additional qualification criteria are required.

Can you run a 10 ½ minute mile?

Running a 10 ½ minute mile can qualify a 60 year old male based on running a 10K race in 1 hour and 5 minutes. Qualification standards are adjusted for applicant age, gender, running distance. Proof of race result and additional qualification criteria are required.

Do you run 10 miles a week?

Running 10 miles a week on average over the past year can qualify an applicant. Proof of running activity and additional qualification criteria are required.

Are you a marathon runner?

45 year old male marathon runners finishing a marathon under 4 hours and 23 mins can qualify.  Qualification standards are adjusted for applicant age, gender, running distance. Proof of race result and additional qualification criteria are required.

Are you a trail runner?

45 year old male marathon runners finishing a marathon under 5 hours and 28 mins can qualify.  Qualification standards are adjusted for applicant age, gender, running distance. Proof of race result and additional qualification criteria are required.

Are you a spartan athlete?

Spartan athlete who have recently completed two or more Spartan races can qualify. Proof of Spartan result and additional qualification criteria are required.

Do you ride to work?

Cyclists who commute to work averaging 50 miles a week or 5 hrs a week over the past year can qualify. Proof of cycling activity and additional qualification criteria are required.

Do you ride 50 miles a week?

Cyclists who ride 50 miles a week on average over the past year can qualify the applicant. Proof of cycling activity and additional qualification criteria are required.

Are you a triathlete?

Triathletes who have completed a recent Olympic Triathlon can qualify. Proof of Triathlon result and additional qualification criteria are required.

Are you an ironman triathlete?

Ironman triathlete who have completed a recent Ironman can qualify. Proof of Ironman result and additional qualification criteria are required.

Can you deadlift your bodyweight?

Deadlift one’s body weight in a recent competition can qualify a female weightlifter with body weight of 180 pounds. Qualification standards are adjusted for applicant gender and body weight. Proof of competition result and additional qualification criteria are required.

Can you bench press your bodyweight?:

Bench press one’s body weight in a recent competition can qualify a male weightlfiter with body weight of 181 pounds. Qualification standards are adjusted for applicant gender and body weight. Proof of competition result and additional qualification criteria are required.

Can you swim a quarter mile nonstop?

Health conscious swimmers who obtain elite on select HealthIQ quizzes can qualify. Additional qualification criteria may be required.

Are you vegan?

Health conscious vegans who obtain elite on select HealthIQ quizzes can qualify. Additional qualification criteria may be required.

Are you vegetarian?

Health conscious vegetarians who obtain elite on select HealthIQ quizzes can qualify. Additional qualification criteria may be required.