Sproutt Review

Founded in 2018, Sproutt is an independent insurance broker that helps people obtain insurance coverage according to their lifestyle, preferences, and needs. With this purpose in mind, the company uses a combination of technology — through its GAIA (Guided Artificial Intelligence Assessment) platform — and human expertise to be able to quickly match people with personalized coverage. Sproutt’s network includes 40+ insurance companies across all 50 states.

Sproutt’s emphasis on healthy living is also notable. The company’s Quality of Life Index not only encourages and guides you to live a healthier lifestyle through personalized advice, but also potentially unlocks lower life insurance rates if you choose to follow said advice. That’s why you’re asked to fill it out before you get your policy options.

Let’s dig into the details in order to help you decide if Sproutt’s right for you.

Pros and Cons of Sproutt



What Does Sproutt Offer?

Sproutt matches users with life insurance coverage in the range of $50,000 to $10,000,000 to anyone from 18 to 100 years old. In terms of the specific kinds of life insurance offered, customers can secure the following kinds of insurance through Sproutt:

Term Life Insurance

Death benefit with level premiums for the term duration (5, 10, 15, 20, 25 or 30 years). Term life insurance may be renewed, converted to another type of coverage, or terminated.

Whole life insurance

Permanent death benefit coverage with guaranteed cash value growth plus dividends. Additionally, whole life insurance accumulates dividends, lasting the whole of the policyholder’s life.

Universal life insurance

Lower flexible premiums for permanent life insurance coverage. Universal life insurance policies also accumulate cash value based on given interest rates.

Variable universal life insurance

Permanent death benefit coverage with equity-based cash value growth comprised of different investment funds such as stocks and bonds.

Simplified issue life insurance

Swift life insurance application and approval without a medical exam. This is a quicker process than traditional life insurance that may cost a little more and coverage may be a little lower than traditional policies.

Guaranteed issue life insurance

100% approval coverage without any health questions or exams. Acceptance is guaranteed following a mandatory waiting period.

Additionally, Sproutt can find policies with these riders:

Finally, Sproutt also offers an extensive blog and set of tools customers can use to learn more about how to successfully navigate the world of life insurance, settle on a plan that’s right for them and ultimately live a healthier life.

What To Expect on the Site

Sproutt’s application process can be completed in a matter of minutes and consists of three steps:

  1. Provide basic information about you and your lifestyle (annual income, number of dependents, hazardous hobbies, basic health history, recent traffic violations, felony convictions, etc.).
  2. Check your Quality of Life Index to potentially unlock better rates and personalized advice.
  3. Choose the right insurance plan from the options presented to you and continue the application process on that specific provider’s website.


It’s completely free to use Sproutt to find life insurance policies. Upon securing a policy through the company’s service, you can expect to pay all of the standard fees associated with securing a life insurance policy, as well as any fees specific to the plan and provider you’re dealing with.

What People Are Saying About Sproutt

Another key point to highlight is Sproutt’s customer satisfaction. As of September 2021, Sproutt has an excellent Trustpilot rating of 4.7 out of 5 stars:

The Bottom Line

Sproutt is much more than just an insurance broker; the company makes a concerted effort to make your journey finding and securing the right life insurance policy faster, more convenient, and less confusing. Sproutt accomplishes this through offering a very quick quoting process, high-quality network of 40+ life insurance companies and a team of human experts available via phone or email you can reach out to for guidance.

Long story short, if you’re looking for personalized life insurance options and want to lead a healthier lifestyle, then Sproutt is worth a look as you compare top life insurance companies.