Sproutt Life Insurance Review

Sproutt Life Insurance Review
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In this Sproutt Insurance review, you’ll learn about how the company aims to solve a common problem in the life insurance buying process.

Sproutt’s goal is to make life insurance simpler by combining technology with a personal touch. Read on to see how exactly they do this, what their quote process looks like, and whether you’ll stand to benefit.


Sproutt leverages advanced technology and third-party data to match you with the best life insurance option for your particular situation. That makes it a great option if you have a less-than-ideal family medical history (or other potential red flags, like occasional smoking), because you're more likely to get an accurate quote right off the bat.

  • Saves you time and money by pairing you with the right insurer the first time.
  • Works with many of the most respected insurance providers in the nation.
  • Many applicants can get an initial quote in one minute.
  • Newer company, so outside reviews are limited.

Sproutt Life Insurance Review: The Problem They’re Trying to Solve (and How)

Two initial questions that I try to answer when reviewing a new financial service are:

  • What problem are they trying to solve?
  • How are they attempting to solve that problem?

In Sproutt’s case, the problem is that consumers often get paired with the wrong life insurance company.

Here’s a very common scenario:

  1. You go to a quote comparison site like Policygenius, enter a few basic details about yourself, and get a list of estimated rates from different companies.
  2. You scroll through the list of prices, see which company offers the lowest rate, then go through the application process with that company.
  3. The application process often takes four to six weeks, involves filling out pages of forms, requires a manual review of your health history, and usually entails a medical exam.
  4. Weeks go by, and then you finally hear back from the company. Unfortunately, that low rate you were teased with has gone up by 20% because of something they found in your application.
  5. So, while this company once offered you the lowest rate, you can no longer be sure that’s the case.

Your options are to:

  1. Just buy the policy. After all, you’ve already come this far along in the process.
  2. Start the process over with a new company, hoping that they accept the medicals you completed for the first application.

In my experience selling life insurance, this isn’t a problem for healthy people who have a clean medical history. If you’re young and have no alarming medical issues, the rate you get from a comparison site is often the rate you’ll actually end up paying.

However, it becomes a problem for those who may have health issues that raise red flags for a life insurance company.

Sometimes these health issues are minor. I once had a situation where an applicant mentioned that they had one victory cigar a year earlier (after winning their softball championship game). We went through the entire underwriting process assuming that the insurer would classify the applicant as a non-smoker.

I’m sure you can see where this is going. Weeks went by and we waited. When we finally heard back from the company, the applicant had been classified as a smoker and was therefore quoted a (much) higher rate than we expected.

So, as the agent, I had to go back to the other companies I worked with to find one that wouldn’t price gouge my client for smoking one cigar.

I eventually found one, but this added a couple of weeks (and a lot more work) to the already lengthy process.

How Is Sproutt Making Life Insurance Easier?

It’s easy to get a list of prices from multiple insurers. But how are you supposed to know which one will offer the lowest price at the end of the underwriting process?

One person simply cannot crunch all the variables.

Even as someone with a decade of experience selling life insurance, I only had a slightly better idea of which company was best for a specific type of person. When you factor in individual health history, there are just too many variables involved.

Sproutt’s goal is to solve that problem with software. They use both data you provide and third-party information to map your characteristics and match you with the right insurance policy from the right company.

So, say you’re a very casual smoker, have prediabetes, and have a family history of heart disease. Sproutt’s goal is to match you with the right insurance company — the one that’s going to provide you with the best rate and coverage after the application process (where you’ll have to reveal these details).

For those who may have had an issue or two in the past, their process can potentially save you hours of time (as well as money).

What Does Sproutt’s Quote Process Look Like?

Sproutt’s quoting process changes based on your answers to the questionnaire. 

Based on a quick initial questionnaire (it was eight questions for me), you’ll be directed to either:

  1. A list of insurers, with corresponding prices from each. You’ll most likely see this if you fall into the young and healthy group, and therefore, you’ll be able to actually obtain these rates.
  2. A price page (like the one I got below). This quote was for a $1 million term life policy for a 34-year-old in good health that engages in higher-risk activities. 

Sprout Life Insurance - Example Rates

While speaking to Sproutt representatives, I learned that they do offer other types of insurance beyond term policies. However, they noted that they recognize that term life insurance is indeed the right move for the majority of buyers. Plus, Sproutt’s agents are only paid based on the policy sold, not the premium amount. These two factors mean that unlike with traditional life insurance agents, there’s no financial incentive for them to try and push you into a more expensive type of coverage.

Next up for me was taking an additional 10-question test, where I had to answer questions such as:

  • “Are you an adrenaline junkie? Tell us which activities you plan on doing.” (Scuba diving and piloting are among the options.)

You’ve also have to tell Sproutt about your:

  • Traffic violations
  • Felony convictions
  • Basic health history
  • And more
Sproutt Life Insurance - Questions Asked

Next, you’ll fill out a set of basic questions about yourself (name, address, contact information, etc.).

At this point, based on the questions I answered, the next step was to have a phone call with a Sproutt adviser. The purpose of the call was to dive deeper into any red flags on my application, with the goal of having me apply for the right insurance company. For example, maybe one insurance company looks more favorably on a risky-activity like scuba diving, as long as you’re in good health. 

Sprout Life Insurance - Next Steps

Pros and Cons of Sproutt


  • Can save you time and money by picking the right insurer.
  • Offers both advanced and traditional underwriting.
  • Has a large network of highly-rated insurance carriers to work with.
  • Can get a quote within 60 seconds.


  • Newer company, so outside reviews are limited.

Is Sproutt Insurance Right For You?

Sproutt aims to solve a big problem customers face when they go to buy life insurance.

Their unique approach has the potential to help a lot of people save time and money — especially those who don’t have an ultra-clean medical history. This is noteworthy, because many of the other options in the marketplace are specifically oriented towards offering the best price possible to the healthiest people they can find.

Even if you’re the type of person who has a clean medical history, the range of insurance carriers Sproutt works with is comparable to the largest comparison sites.

If I were shopping for a life insurance policy today, I’d check out rates from Sproutt. 

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R.J. Weiss
R.J. Weiss is the founder and editor of The Ways To Wealth, a Certified Financial Planner™, husband and father of three. He's spent the last 10+ years writing about personal finance and has been featured in Forbes, Bloomberg, MSN Money, and other publications.

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