Sproutt Life Insurance Review: Personalize Your Coverage

Have you ever tried to buy term life insurance online? It can feel daunting because there are so many options. Sproutt life insurance helps you navigate the application process to find the best policy to protect your family. Most people can apply for coverage within 15 minutes.

Sproutt is an independent life insurance broker that doesn’t partner with select term life or whole life insurance providers. A Sproutt advisor can help you find a custom term life or whole life insurance policy for more extensive coverage benefits.

When I got a sample quote for this Sproutt life insurance review, for example, Sproutt compared rates from 75 different providers. Let’s see if Sproutt can save you time and money.

Review of Sproutt Insurance


The two ways to buy life insurance are visiting with a local agent or applying online. Either option lets you receive coverage. However, you’re likely only seeing policy quotes from one provider.

After answering a few brief questions, Sproutt uses artificial intelligence to compare rates from multiple life insurance companies instantly.

It’s possible to apply for term life insurance with policy terms up to 30 years. Coverage amounts can be as high as $3 million.

Sproutt may even recommend a no-exam policy. Unlike other online companies that reject complex medical or personal backgrounds, a Sproutt advisor can help certain high-risk adults find a policy.

What is Sproutt?


Sproutt uses artificial intelligence and your responses to lifestyle questions to recommend term life insurance policies.

Its founders have a data and cognitive computing background and use technology to help you quickly compare life insurance rates.

You can see rates from multiple companies with a single search. It takes approximately five minutes to receive an initial quote.

Sproutt’s online platform helps you find cheap term life insurance. Whole life and other permanent-type policies are available too when you speak with an advisor.

As a life insurance broker, Sproutt doesn’t underwrite any policy. No matter which life insurance company you choose, Sproutt earns the same commission amount.

Once you pick your policy, you complete the underwriting process with the life insurance provider. At this point, the broker no longer participates in your application process.

How Sproutt Life Insurance Works


The industry-standard life insurance application process requires a medical exam and an extensive lifestyle interview. This underwriting process can take weeks to complete.

It takes approximately ten minutes to get a quote using Sproutt. After applying, the insurance provider finishes the underwriting process.

This process may only take several days if they offer accelerated underwriting.

Sproutt will see if you qualify for no-exam life insurance policies. Even if you need to have an exam, they mention providers offering accelerated underwriting times.

Getting a quote is relatively simple and fast. You will need to answer basic questions about your diet, sleep routine, and exercise routine.

Sproutt also asks about your health and criminal history.

Most U.S. adults with Social Security number can obtain a quote using Sproutt. You will need to create an account to get a quote.

It’s even possible to apply for coverage for your spouse. Some providers may also extend coverage to your children.

You can receive a quote if you have pre-existing conditions like diabetes or high blood pressure. Using live chat or calling a Sproutt licensed advisor might be easier if you have pre-existing conditions.

After completing the initial interview questions, Sproutt lists your different coverage options and the estimated monthly cost.

For me, the platform offered term life insurance with varying death coverage amounts and term lengths.

You can also use a slide bar to choose your own term length and coverage amount. However, a policy may not be available with your custom criteria.

Once you choose the desired term length and benefit amount, Sproutt recommends multiple providers. These providers are well-known and have high financial strength ratings.

Some of the providers can include:

  • Assurity Life
  • Penn Mutual
  • Principal National
  • Protective
  • Prudential
  • Sagicor

Sproutt lists the monthly policy quote for each provider, along with several positive traits for each company.

The QL Index Score

One way that Sproutt personalizes your quote is with their Quality Life (QL) index score. This score removes some of the mystery behind qualifying for life insurance.

It’s no secret that younger people with excellent health qualify for the lowest rates. Yet life insurance companies may not tell you why you won’t get the lowest rate.

Getting your QL index score takes up to 15 minutes. You will answer questions on these five topics:

  • Movement. How often do you exercise each day?
  • Sleep. How many hours of sleep do you get on an average night?
  • Nutrition. Do you eat processed foods, smoke, or consume alcohol often?
  • Emotional health. Are you naturally happy or tend to be depressed?
  • Balance. How often do you attend church, meditate, or meet with friends?

Your score will be between one and five with basic suggestions to improve your score. For example, you may need to exercise more or avoid fast food.

A high score indicates you might qualify for the best term life insurance rates for your age category. However, this score doesn’t guarantee coverage or a certain quote price.

Getting a QL index score is optional and uses Sproutt’s artificial intelligence technology. The Sproutt life insurance application process is the same whether or not you receive a QL score first.

Does Sproutt require a medical exam to get life insurance?

It’s possible to get life insurance without a medical exam through Sproutt. No-exam policies tend only to be available to applicants in good health.

As Sproutt is only a life insurance broker, they can only recommend providers offering no-exam life insurance policies. The provider decides if you can waive the exam during the underwriting process.

No-exam policies may still require a phone interview with the insurance provider. Some companies only offer no-exam term life insurance so that you don’t accidentally pick a policy that requires an exam.

Not every insurer offers no-exam policies. Getting an exam may help you qualify for a cheaper rate. The insurance provider pays all life insurance exam costs.

Most exams only take up to 30 minutes, and the nurse can meet you at home or work. The exam measures these vital stats:

  • Current height and weight
  • Body mass index
  • Blood pressure
  • Blood sample (an off-site lab will analyze)
  • Urine sample

The life insurance company may also require additional documentation for select medical conditions.

Sproutt Life Insurance Products


Sproutt offers a variety of life insurance products, including term and permanent policies. Most online-only life insurance companies only let you buy term life insurance.

Even Sproutt only lets you buy term life insurance online. You must speak with their advisor to explore the other life insurance options.

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Examples include whole, universal, and variable policy types. All Sproutt advisors are licensed and available by phone or live online chat.

Term Life Insurance

Term life policies can be between five and thirty years. Coverage amounts can range from $50,000 up to $3 million.

Your age, personal profile, and annual income affect your maximum term and death benefits.

Your Sproutt life insurance company recommendations depend on your interview questions. The “best overall option” is usually the lowest-priced but not always.

More expensive providers may have more efficient underwriting or flexible policy renewals.

Sproutt includes several reasons that explain each recommendation. For example, my top recommendation includes these reasons:

  • Light guidelines for minor moving violations (i.e., speeding tickets)
  • Accelerated underwriting
  • A+ rating with the Better Business Bureau

Adding optional term life policy riders may require speaking to an advisor. When comparing term policies online, Sproutt highlights which providers offer riders.

However, speaking with an advisor can be the easiest way to see if you can apply for a rider.

Some of the potential riders include:

  • Terminal illness rider
  • Chronic illness rider
  • Child rider
  • Accelerated life benefits

Term Life vs. Whole Life

One of the most common debate topics is if term life or whole life (permanent) policies are better.

Term life is the best option for most families because you tend to get the highest benefit amounts for the lowest monthly cost. These policies don’t build cash value you can redeem if you outlive your policy.

However, it’s the cheapest way to protect your family’s financial future.

Whole life insurance is another common way to buy life insurance. This policy type is more expensive and has lower coverage amounts but gain cash value like a savings account.

You can cancel your whole life policy and receive a partial cash reimbursement. These policies can be better if you only want to apply for life insurance once.

It’s possible to pay the same premium for the rest of your life, even if you have poor health.

How is Sproutt Paid?

This Sproutt life insurance review mentions several times that they are a broker that doesn’t work for a specific company.

Sproutt does an excellent job of remaining neutral yet only recommends companies with a positive reputation.

The insurance companies that Sproutt recommends have some of the highest ratings for customer appreciation and financial stability.

It could take you several hours to get separate quotes from each insurer without Sproutt. In addition to saving you time, it’s always free for you to request quotes from Sproutt.

All insurance companies pay the same commission amount to Sproutt if you apply for a policy. Your local insurance agent may earn a higher commission if they convince you to buy a pricier policy.

Can we say conflict of interest?

A Sproutt advisor can help you pick a policy, but Sproutt earns the same commission regardless of which policy you choose.

Pros and Cons


Sproutt is an option worth considering for most people, but no company is perfect. Here are the reasons to consider (or avoid) Sproutt.


  • Compare multiple policy quotes in minutes. See the best term life insurance rates from highly-rated life insurance companies.
  • Access to a licensed advisor. An advisor can help you build a custom plan for term life or whole life insurance.
  • No-exam life insurance providers. Well-qualified applicants can avoid a medical exam with select insurers.
  • Sproutt earns a flat commission. It’s free for you to use Sproutt, and they only make money if you apply for a policy they recommend. All insurers pay Sproutt the same commission regardless of your policy cost.


  • Too many options for some people. Sproutt makes it easy to rate shop, but you may feel overwhelmed with all the options. Only term life insurance is available online, which keeps the online application process easy-to-understand.
  • Life insurance broker. Sproutt’s interview questions don’t guarantee you will pass the insurance provider’s underwriting process. Your official policy quote may also be different than Sproutt’s initial quote.
  • High-risk applicants may not qualify. Certain people with complex medical or personal histories may still need to use a local agent to obtain coverage.

Who Should Apply for Life Insurance Online With Sproutt?


Sproutt is a good alternative if you want to compare quotes from multiple insurers quickly. Whether you need a medical exam or qualify for a no-exam policy, Sproutt can be a good option.

You can apply for coverage within ten minutes.

However, Sproutt may not be a good fit if you have a complex medical history. Or, if you only want to compare no-exam policies, Sproutt includes quotes with needing an exam.

Finding cheap term life insurance takes time. Read our Sproutt life insurance review to see how you can compare multiple providers to get a good policy.Sproutt Life Insurance Review: Bottom Line


Sproutt is one of the easiest ways to find cheap life insurance with the highest coverage amounts. It only takes a few minutes to get a quote, and you can apply online 24/7.

It’s worth giving Sproutt a try if you’re not loyal to a particular insurance company.

Request a quote from Sproutt today to see how little you can pay for life insurance.


Do you already have life insurance? How often do you analyze your life insurance needs? What else are you doing to protect the future of your family?


The post Sproutt Life Insurance Review: Personalize Your Coverage appeared first on Frugal Rules.

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