I was looking for a term policy since my current term was expiring. My current company wasn’t responding and when they finally did, the cost went up 5 fold. I was hesitant, since I’m not a marathon runner nor bench press Chevy’s, I’m closer to a casual exerciser and nerd. Health IQ took my information, and helped me through every step with no pressure. A competitor wanted me to buy a Fitbit and download my statistics every week, I’m not that kind of fitness buff. After they took some blood samples to show I’m not a tobacco or drug user, I was approved. It was more than the last term, but only 2/3 what the other company wanted.