Sproutt

Sproutt Reviews

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About Sproutt

Sproutt sells life insurance policies for users across the nation. It offers three options, including traditional life insurance (usually term or whole), no-exam insurance and guaranteed life insurance. Customers use its simple online application, which prompts them with easy-to-understand questions, to get access to customized rates and terms.

Pros & Cons

Pros
  • Extremely easy process
  • Highly personalized
  • No-exam and guaranteed options
Cons
  • Can be expensive
  • No in-person assistance

What is Sproutt?

Sproutt is an online, independent life insurance broker offering a simple and tech-oriented approach to choosing and purchasing traditional, no-exam and guaranteed life insurance policies. Its three-step process is fast and easy, making it an attractive choice for people who want life insurance but don’t want the headaches that usually come with applying for it. Sproutt is based in New York City and has offices in Kansas City, Missouri; Hartford, Connecticut; and Tel Aviv, Israel.

How does Sproutt work?

Sproutt has a three-step process for getting life insurance online. First, you answer a number of simple questions about yourself and your lifestyle, including where you live, your age, your general health, your income, your credit score and your activity level. Sproutt uses this information in the second step to generate a “Quality of Life Index” (QL Index), which employs data and artificial intelligence to develop unique insights and pricing. The final step is to select the plan and price that works best for your lifestyle. It takes about 15 minutes from start to finish to go through the online application and get rates from leading providers.

Sproutt insurance

Sproutt offers multiple types of insurance plans from leading companies across the nation. These include traditional life insurance, no-exam life insurance and guaranteed life insurance.

  • Traditional life insurance: Sproutt’s life insurance plans include term life insurance, whole life insurance, universal life insurance and variable universal life insurance. Benefits range from $50,000 to $5 million. These plans require a medical exam for approval.
  • No-exam life insurance: Sproutt has no-exam options for those who can’t visit a doctor or need to get life insurance quickly. You can complete the entire process for purchasing no-exam life insurance online. Whole and term policies are available.
  • Guaranteed life insurance: With guaranteed life insurance, you are guaranteed to qualify for coverage. The online approval process is short, with no medical exam or financial questionnaire necessary. Guaranteed life insurance is often designed for those with severe medical conditions who don’t want to leave expenses for their families.

Sproutt costs

Each policy is customized for the purchaser, so there’s a wide range in prices. We requested several quotes. A term policy for a healthy 27-year-old female came to $20 per month for a 20-year term with a $500,000 benefit. For a 57-year-old male with a history of smoking occasionally and average health, the quote for a 10-year term policy with $500,000 in coverage was $342 per month. You can request a quote by answering questions on Sproutt’s website.

Sproutt FAQ

What is the Sproutt Quality of Life Index?

Using a series of questions, Sproutt assesses each individual in five lifestyle areas: movement, sleep, emotional health, nutrition and balance. Together, these create a Quality of Life Index. Sproutt uses the QL Index to provide lifestyle recommendations and, in turn, lower life insurance rates.

How do I apply for Sproutt insurance?

Online. Its application walks you through each question step by step to show you what plans are available. From there, it helps you sign up for the policy you choose. You can also call Sproutt to speak with an advisor.

How quickly can I get Sproutt life insurance?

It depends on the policy. With the no-exam option, customers will not face any waiting period and can get covered immediately.

Is Sproutt an insurance provider or broker?

Sproutt is a broker. Sproutt connects users to policies from a large number of companies, which it reviews and rates based on products, pricing, financial health and customer reviews.

Do we recommend Sproutt?

Sproutt is a good choice for those who want to buy life insurance online. Its application is easy to understand and complete. Customers have access to a variety of life insurance products from different companies, including no-exam and guaranteed options. If you’re in the process of looking for life insurance coverage, consider using Sproutt during your search.

Sproutt Reviews

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    How do I know I can trust these reviews about Sproutt?
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    Page 1 Reviews 0 - 10
    Verified purchase
    Price

    Reviewed May 24, 2022

    I did the auto payments that they are doing each month. The cost is reasonable and everything is good.

    Verified purchase
    Online & AppStaff

    Reviewed May 19, 2022

    I qualified for not needing to do labs and that's what I was looking for. From start to finish, things were done in 45 minutes which was nice. I like not having to use a salesperson. Everything that I would have had questions about, I was able to find on the website. I'm a life insurance underwriter, so I know that backend process and it was all very easy. So I was happy.

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      Verified purchase

      Reviewed May 11, 2022

      It worked out real well with Sproutt. Getting signed up was easy.

      Verified purchase

      Reviewed May 10, 2022

      The signup process was good.

      Verified purchase
      CoveragePriceStaff

      Reviewed May 9, 2022

      Sproutt was okay and their reps were nice. It’s a lot to get life insurance and that’s what it comes down to, especially at my age. But in the end, Sproutt probably didn’t save any money. The policy I got was very expensive. I went through a lot of other policies and I could have gotten another policy for the same price. I ended up with Prudential. I worked with another broker and it was also Prudential and the prices were pretty much the same.

      Verified purchase
      Customer ServiceStaff

      Reviewed May 8, 2022

      Sproutt’s customer service reps were good and helpful. They did a good job explaining to me. I’m the working parent and my plan options were fine but my husband’s were a little bit limited. He’s a stay-at-home dad and he’s supposed to be able to get half of what I got for myself. But because they couldn’t verify something, he was only able to get 250, which was odd. I want a little more flexibility on the plans.

      Verified purchase
      Price

      Reviewed May 7, 2022

      Sproutt had a more affordable rate and the application process was fairly easy and simple. I filled it out and then, I had a follow-up.

      Verified purchase
      Process

      Reviewed May 6, 2022

      My experience with them was very smooth. There wasn't anything about the process that gave me pause. They met my expectations.

      Verified purchase
      Customer ServiceStaff

      Reviewed May 5, 2022

      They were straight to the point. I had a good experience with customer service. They gave me what I was looking for.

      Verified purchase

      Reviewed May 4, 2022

      I got what I asked for. I wanted 700,000 policy and they quoted me 60 something dollars for it, and they end up giving me 500,000 for $76. But it's okay.

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      Sproutt Company Information

      Company Name:
      Sproutt
      Website:
      sproutt.com