The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Advertising Disclosure is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.
Sproutt Review
Sproutt Review
Sproutt Review
Sproutt Review
June 29, 2022 / Michael Graw
Sproutt Review
Sproutt Review
June 29, 2022 / Michael Graw


Sproutt is an online life insurance broker founded in 2018. The company works with dozens of insurance companies to offer term life policies with coverage up to 40 years and $3 million. Sproutt is best suited for young, healthy individuals, and it uses a proprietary quality-of-life algorithm to assess your eligibility for coverage. The quote and application process is entirely online, but you can get help anytime by phone.


  • Works with dozens of providers to offer policy choices
  • 40-year term life policies available
  • Offers no-medical exam policies
  • Phone and email support
  • User-friendly online experience


  • Doesn’t provide insurance policies directly
  • Unhealthy individuals may be rejected
  • Term life insurance policies only

Suitable For?

Sproutt is suitable for young and healthy individuals who want to find the best term life insurance policy for them. The platform uses a unique quality-of-life index to determine if you qualify for coverage and to match you with one of dozens of life insurance providers. You have the option to customize your policy’s term and coverage, and you can easily compare offers from different providers.

Sproutt is also suitable for individuals who want to get life insurance immediately, without a medical exam. The platform offers policies with and without medical exam requirements.

Notably, individuals with unhealthy lifestyles (based on Sproutt’s quality-of-life index questionnaire) or who engage in high-risk activities may not qualify for policies offered through Sproutt. The company also offers a relatively small selection of policies for people over 50.


  • Compare policies from dozens of providers: Sproutt shows you policies from dozens of different term life insurance providers. You’ll pay the same price when applying through Sproutt as you will when applying directly through a provider’s website.
  • Assesses eligibility using a quality-of-life index: Sproutt uses a unique quality-of-life index to assess your eligibility for coverage and your policy’s premiums. The index includes 5 categories: sleep, movement, emotional health, nutrition, and balance.
  • Terms up to 40 years: Sproutt lets you choose a policy term from 5 years to 40 years.
  • Coverage up to $3 million: You can choose coverage from $50,000 to $3 million.
  • No-medical exam policies: Sproutt offers policies that may require a medical exam and policies that offer an instant decision, with no medical exam required.
  • Get a free quote and apply online: You can get a free quote on Sproutt’s website and apply for a policy directly through Sproutt. You’re never sent to a provider’s website to purchase your policy.
  • Phone and email support: Sproutt offers phone and email support from 9AM-7PM (ET), Monday-Friday. You can purchase a policy over the phone if you don’t want to use the online application.

Policy Types and Terms Available

Sproutt is a life insurance broker, meaning that it doesn’t offer any policies directly. Rather, policies are issued by major life insurers.

You will only find term life insurance policies through Sproutt, although some of the insurers that the company works with also offer whole life or permanent life insurance policies. The policies that Sproutt offers come with terms from 5 to 40 years and coverage of $50,000 to $3 million. You can customize your policy term in 5-year increments and your coverage in $50,000 increments up to $750,000 and $250,000 increments beyond that.

Application Process

Anyone can request a free quote on Sproutt. The company doesn’t specify an age limit to its coverage, but we found relatively few policy options for applicants over 50. In addition, Sproutt may deny coverage to people who the company deems to have unhealthy lifestyles based on your quality-of-life index score.

Here’s how requesting a quote and applying for a policy works at Sproutt:

  • To get a free quote, you must answer a series of questions about your health and lifestyle. Sproutt uses this information to assign you a score in its quality-of-life index.
  • Sproutt will match you with several providers and display quotes for your policy. You can choose between plans with or without a medical exam requirement and customize your policy term and coverage.
  • If you find a policy that you like, you can apply directly through Sproutt. You will need to provide personal details, including your social security number, and enter information about your beneficiaries and any existing life insurance policies that you have.
  • Pay for your policy through Sproutt. If no medical exam is required, your policy will take effect immediately. If an exam is required, the provider will get in touch with the next steps to activate your policy.

Sproutt’s online application is extremely well-designed and user-friendly. The questionnaire is designed much like a chat conversation. The questions can be quite detailed, down to what you eat for breakfast. It takes around 5 minutes to complete the questionnaire and get a quote. If you need help, you can call Sproutt and speak to an agent.

How Safe Is It?

Sproutt has a 4.8-star rating on Trustpilot and an A+ rating with the Better Business Bureau. Policies available through Sproutt are issued by major life insurance companies, and Sproutt shows you each company’s financial stability rating from A.M. Best when you’re comparing policies. Guarantees and cancellation options for your policy vary by provider.

Help & Support

Sproutt offers customer support by phone and email from 9AM-7PM, Monday-Friday. You can speak with an agent to get help with the online application or to purchase a policy.

As a broker, Sproutt does not handle life insurance claims. You must work with your policy provider to submit a claim.

Sproutt At A Glance

Sproutt is an online life insurance broker that makes it easy to find the right term life insurance policy for your needs. The company offers free quotes online using a proprietary quality-of-life index, which is geared toward young and healthy individuals. You can choose a policy with or without a medical exam requirement and customize your coverage up to 40 years and $3 million. You can apply for a third-party policy directly through Sproutt. If you need help, phone and email support are available 5 days a week.

Physical Address

Sproutt, 205 Hudson Street 7th floor, New York, NY 10013


We try to keep the services up, bug-free, and safe, but you use it at your own risk. We are providing the services as is without any express or implied warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the services will always be safe, secure or error-free or that Sproutt will always function without disruptions, delays or imperfections. Sproutt is not responsible for the actions, information, or data of third parties, and you release us, our directors, officers, employees, owners, parent companies, subsidiaries, affiliates and agents from any claims and damages, known and unknown, arising out of or in any way connected with any claim you have against any such third parties. We will not be liable to you for any lost profits or other consequential, special, indirect, or incidental damages arising out of or in connection with this agreement, even if we have been advised of the possibility of such damages. Our aggregate liability arising out of this agreement will not exceed the greater of one hundred dollars ($100) or the amount you have paid us in the past twelve months. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In such cases, Sproutt’s liability will be limited to the fullest extent permitted by applicable law.

By Michael Graw
Michael Graw is a freelance journalist and photographer based in Bellingham, Washington. His interests span a wide range from business technology to finance to creative media, with a focus on new technology and emerging trends. Michael's work has been published in TechRadar, Tom's Guide, Business Insider, Fast Company, Salon, and Harvard Business Review.