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Q & A with Steven Raft about His Health IQ Journey


Screen Shot 2017-06-18 at 7.37.36 AMSteven Raft is a runner, husband and father of two.  At the age of 56, Steven is in the best shape of his life, having turned his health around after an inspiring fitness transformation.  We interviewed Steven who recently purchased a life insurance policy through Health IQ.

Q.Tell us about your health journey. Have you always been health conscious?

A. While I’m very active now with running and frequent exercise, I wasn’t always health conscious.  In fact, I “woke up” in January 2007 weighing the heaviest I have in my life.  I was horrified.  I decided that something needed to change and went to see my doctor who gave me a packet on a high protein/low carb/low fat diet.  I knew this was a good way of eating as it helped my wife lose a lot of weight.  However, I only lost a few pounds that year.  The following January, my friends and I decided to put our money together to join a group weight loss challenge.  We pledged $10 per pound we wanted to lose, with the winner taking the prize money for most weight lost.

I started to eat properly and also began seriously working out with a trainer for the first time in my life.  I lost 18 pounds and won the pot, which I donated to the American Heart Association.  Inspired by my weight loss progress, I continued to train and lost a total of 36 pounds in 4 months!  I did my first of fifteen 5K’s that fall.  I recently completed the LA Marathon, just weeks before my medical checkup for Health IQ.  I’m in the best shape of my life, so it’s a great time to get life insurance!

Q. What made you decide to look for life insurance?

A. Unfortunately I am an executive in transition and the life policy I had through my last employer was not portable.  My wife and I discussed replacing the policy to protect her and the kids.

Q. How did you find out about Health IQ?

A. I have quite a few friends who sell insurance very successfully for a living and I was going to decide which one might be best for me.  Then, I saw Health IQ’s ad in my Facebook feed one Saturday evening.  The lower rates for active people intrigued me as I have been recently active again because of my being in transition.  I reached out and received a response from Munjal almost immediately and was impressed with the Health IQ advantages and reasons for special rates.

Q. What was the process of getting life insurance from Health IQ like?

A. The application process was very simple and quick!  I had a detailed call with my agent about how your program works, my insurance needs, my level of activity and health journey.  We then went through some quotes and some terms and scheduled a medical exam.  Getting my policy in place took 49 days from the time of my initial contact and at very reasonable rates considering I am 56.  Every time I contacted the company I received a pleasant and prompt reply. The level of service was really amazing and very friendly.

Q. What did you think about the special rate life insurance for runners?

A. I love the fact that runners can qualify for special rates with Health IQ just by doing what they love!  I have been running for several years now, and was able to qualify for the special rate with the Health IQ quiz and my race results.  I was really happy with the premiums for my policy, which are extraordinarily inexpensive for someone my age.

Runners Have Lower Mortality Risk

Health IQ gathered data on the many health benefits running provides.  In addition to enjoying a 3-year life expectancy benefit compared to non-runners, runners are less likely to suffer from high blood pressure1 and are at a lower risk for type 2 diabetes2.

According to a 2014 study published in Journal of The American College of Cardiology, runners have a 30% reduction in all-cause mortality.

1 Lee et al. J Am Coll Cardiol. 2014;64(5):472-481
Paul T. Williams, Medicine and Science in Sports and Exercise, 41(3), 523

RRCA members can qualify for the special rate life insurance for runners by verifying their running and health knowledge through a short quiz.  Proof of RRCA membership for a year or longer and certified competition results can also help RRCA members qualify for special rates.

Interested in learning more about Health IQ’s special rate life insurance?  RRCA members can obtain a quick quote for special rate life insurance for runners through a short online application and brief phone interview at or 1-844-760-RRCA

Health IQ founder Munjal Shah is a runner!  Learn more about his journey as a runner and why he started Health IQ​.

About Health IQ

Health IQ’s mission is to improve the health of the world by celebrating the health conscious through social and financial rewards.  As as official partner of RRCA, Health IQ offers RRCA members special rate life insurance for runners.  Health IQ is a licensed life insurance agent in all 50 states and has helped tens of thousands of health conscious people, including runners, secure billions in life insurance coverage.  Founded in 2013 by a team of health conscious entrepreneurs, Health IQ gathered research and data to convince top-rated, innovative insurance carriers that health conscious people had lower mortality and deserve lower rates on life insurance.  Learn more at:

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