Sproutt Review: Tech-Based, Personalized Life Insurance


What if you could lower your life insurance policy premium by just getting more sleep at night? What if you could get the best life insurance policy for you and your family by just spending more time with them? It’s not far-fetched.

Sproutt promises to match you with the right life insurance products with the best rates based on your lifestyle choices like sleep and how much time you spend with your family.

In this review, we’ll talk about Sproutt and how they might be able to help you find a life insurance plan that is personalized to your lifestyle.

See how Sproutt compares to the best online term life insurance companies.

Sproutt Life Insurance Logo

Quick Summary

  • Online term life insurance
  • Quote will be based on your lifestyle using a QL score
  • Solid online and phone-based customer service


Sproutt Details

Product Name


Min Coverage


Max Coverage


Term Length

10, 15, 20, 25, 30 Year

Insurance Type


What Is Sproutt?

Sproutt is a health technology start-up that wants to take your lifestyle information and use that data along with artificial intelligence to predict your quality of life. By doing so, they want to “reward” you with the best life insurance policy out there.

Traditional life insurance policies are notorious for punishing people for prior health conditions they may have and unhealthy lifestyle choices.

Instead of punishing people, Sproutt wants to flip that model upside down. Instead of shutting people out because of their lifestyle choices, Sproutt actually wants to use their technology to help people make those healthy choices so that they can access the best life insurance.

The QL Index Score

As soon as you arrive at Sproutt’s website, their home page says this is “life insurance that rewards your lifestyle choices.”

What exactly does that mean?

Well, it turns out that Sproutt calculates what they call the “Quality of Life Index” (QL index score).

This QL index score covers five lifestyle areas: movement, sleep, emotional health, nutrition, and balance.

To get your QL index score, you will have to take a test that takes about 15 minutes.

Using data and artificial intelligence, Sproutt is then able to match you with a life insurance policy that will make sense for you.

Apart from using your QL index score to match you to life insurance products, Sproutt will also give you personalized suggestions based on how you could improve your QL score and get access to even better life insurance.

No-Exam Life Insurance

Standard life insurance policies require a medical exam and can take weeks to get approved. With no-exam life insurance policies, you can get a life insurance policy quickly and without a medical exam.

The advisors at Sproutt can help you find the best no-exam life insurance policy if you’re in a situation where you need to get life insurance quickly.

If you’re in good health and your QL index score looks good, a Sproutt advisor can help you locate a no-exam life insurance policy quickly.

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

Sproutt is essentially a life insurance broker. So they have a relationship with the life insurance companies who pay them a commission for every new client they bring.

This could suggest that Sproutt could be biased in choosing and recommending life insurance policies (and hence, companies) to clients.

However, they have a statement on their website that says: “To ensure objectivity, we set our employee compensation scheme in a way that makes them indifferent to which insurance company the customer selects.”

So at the very least, they have stated that they strive towards objectivity when it comes to recommending life insurance policies that suit your situation.

Sproutt is an independent broker, so at this time, they do not work for any one life insurance company.

You Can Speak to a Real Person

If you’ve ever been frustrated that you can’t talk to a real person at any insurance company, you will like Sproutt.

You can call 1-888-786-3917 on Monday through Friday from 9:00 a.m. to 7:00 p.m. Eastern Standard Time to speak to someone about your life insurance needs.

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

Don’t want to talk to anyone about your life insurance? You can complete your whole application online through Sproutt’s website.

However, you should note that the insurance company you sign up with may still want to have a phone interview with you.

How Does Sproutt Compare?

Sproutt is one of the newest online term life insurance companies. Where they are different is that they are trying to save you money on insurance via their QL Index score.

As always, make sure you shop around and see the list here of the best online life insurance companies. 

With that in mind, here’s a quick comparison:


Sproutt Life Insurance LogoBestow Logo 2020Haven Life


Min Coverage




Max Coverage





10, 15, 20, 25, 30 Year

10, 15, 20, 25, 30 Year

10, 15, 20, 30 Year


Only Term

Only Term

Only Term



Not Required






Overall Thoughts

Sproutt is a very new company and so we will get to see how effective their system works once they’ve been around a while.

Nonetheless, I think their plan to get people to take the quality of life test is a good one.

My slight concern is that asking someone to sit down and take a 15-minute test might be a stretch for them. However, if the person is really in the market to get the best life insurance, they might not mind.

Again, we will see how that pans out.

But overall, this tech-based insurance start-up seems to be moving in the right direction. So if you’re in the market for a good life insurance policy, go ahead and check them out.

Sproutt Features

Min Policy Amount


Max Policy Amount


Policy Terms

10, 15, 20, 25, 30 Years

Policy Types




Medical Exam

May or may not be required

Online Account Management


Policy Underwriters


AM Best Rating



All 50 States and Washington D.C.

Customer Service Phone Number

(888) 786-3917

Customer Service Hours

Mon-Fri, 8 AM – 7 PM (ET)

Mailing Address


100 Pearl Street, 14th Floor
Hartford, CT 06103