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[ad_1] The vast majority of Americans need life insurance. But with so many different insurance policies and providers, how can you find the right life insurance policy for you and your family? Sproutt Insurance is trying to help by putting a unique spin on the insurance application process. Sproutt doesn’t sell its own insurance policies – they’re an online marketplace that uses technology to match you with the right insurance provider. In minutes, you can complete a brief application and get a quote from one of their participating life insurance companies. But is dealing with Sproutt as easy as they make it sound? And is there a benefit to dealing with a marketplace like Sproutt versus going through an individual provider? I’ll cover this and more in this Sproutt Life Insurance Review. Table of Contents What Is Sproutt? How Sproutt Works Key Features Sproutt Life Insurance Quality of Life Index Who Is Sproutt Life Insurance Best Suited For? Types of Insurance Offered by Sproutt Life Insurance Is Sproutt Life Insurance Legit? How Do Customers Rate Sproutt? Sproutt Life Alternatives How to Use Sproutt to hop for Life Insurance How to Save Money on Life Insurance Sproutt Life Insurance FAQs Sproutt Life Insurance Review: Final Thoughts What Is Sproutt? Sproutt is an insurance fintech launched in 2018 under the name, Aktibo. They have their headquarters in Hartford, Connecticut, with offices in New York City and Tel Aviv. Sproutt Life isn’t a direct provider of life insurance but a broker providing an AI-powered online life insurance marketplace. They offer policies from nearly a dozen insurance companies, a list that includes some of the best-known brands in the industry. Sproutt is available to customers in all 50 states and the District of Columbia. How Sproutt Works Sproutt differs from traditional life insurers by using an AI-powered Quality of Life Index (QLI) to assess an individual’s healthy lifestyle behaviors rather than focusing on negative elements. According to Sproutt, there are “huge inefficiencies” in the industry when using traditional data collection for accurate pricing and product offering.” Sproutt says their self-serve digital process usually requires no medical exam, phone calls, or appointments to obtain life insurance coverage. Sproutt is free to use, and the company provides live customer support. They have an A+ rating with the Better Business Bureau. Key Features AI-powered online life insurance marketplace Work with almost a dozen insurance companies across all 50 states Quality of Life Index (QLI)takes into account your overall health The QLI matches you with an insurance provider and policy that will be the best overall fit. Complete an application within 15 minutes Customer support is available during business hours. Sproutt Life Insurance Quality of Life Index The QLI index is at the heart of Sproutt Life Insurance and the key to using their website. The index uses an algorithm to assess your lifestyle, then provides a personalized set of suggestions, recommendations, and references based on the latest health information available. The algorithm is called the Guided Artificial Intelligence Assessme t (GAIA). To benefit from the index, you’ll need to complete a 15-minute assessment, a process I will cover in more detail further down. The Index measures five areas of your life – referred to as pillars – to indicate your overall state of health and well-being: Movement. In a nutshell, this category assesses the amount of exercise you g t. Sleep. Used to measure if you are getting an adequate amount of sleep. Emotion l health. There’s growing evidence of a connection between strong relationships and longevity. Nutrition. This category is all about food and diet Balance. It incorporates the other four pillars and also adds an evaluation of your sense of purpose in your life. Once you’ve completed the QLI Assessment, Sproutt will match you with the best insurance company to fit your profile. This is expected to maximize the likelihood of approval, along with the most favorable premium rate. Who Is Sproutt Life Insurance Best Suited For? Sproutt Life Insurance is an excellent choice for applicants who are: Under 50 in good or excellent health (they go to age 60). In good or excellent health. Actively focused on maintaining their health, as determined by the Quality of Life Index Assessment. Looking for term life insurance versus whole life. Need a life insurance policy quickly. Prefer a life insurance policy without the need for a medical exam. Prefer the speed and convenience of an all-online application process Obtain a Quote from Sproutt Today Types of Insurance Offered by Sproutt Life Insurance According to their website, Sproutt offers no-exam life insurance, guaranteed issue life insurance, whole life insurance, critical illness insurance, and universal life insurance – all in addition to term life insurance. Sproutt’s term life insurance offerings range from 10 years to 3 years. The minimum policy amount is $50,000 but can go as high as $3 million. All other details of the term policies offered are based on the guidelines of the individual insurance companies providing the policies. As an online life insurance “fintech,” Sproutt undoubtedly targets younger applicants (at least under 60) and in good or excellent health. Though they do offer policies for those who are in less-than-perfect health, it is possible that your application will be denied. Is Sproutt Life Insurance Legit? As mentioned, Sproutt has a Better Business Bureau rating of A+ (on a scale of A+ to F). The BBB reports the company has been accredited with the agency since 2019, with 0 customer complaints filed. Though we typically obtain the financial strength rating of insurance companies from A.M. Best, this rating is not available for Sproutt. The company is an online insurance broker and not a direct provider. A.M. Best does not provide financial strength ratings for insurance brokers.   How Do Customers Rate Sproutt? Sproutt Life Trustpilot Ratings Sproutt scores 4.8 out of five stars with Trustpilot. The score is based on 425 reviews, with 89% ranking the company as “excellent” and 8% as “great.” 5-star review

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[ad_1] The Federal Reserve will hold another meeting this week, where everyone assumes we will get another 75 bps rate hike. The question is: how many more rate hikes are left? And, once they’re done hiking rates, will the Fed need to keep rates high because the consumer balance sheet looks so good? Over the weekend, The Wall Street Journal brought up this point — that the Fed is mindful that household balance sheets are much better now due to the excess savings built up during the COVID recovery and they might need to raise rates again or keep them high to trigger their job loss recession to fight inflation.  From the WSJ article: “U.S. households still have around $1.7 trillion in savings they accumulated through mid-2021 above and beyond what they would have saved if income and spending had grown in line with the prepandemic economy, according to estimates by Fed economists. Around $350 billion in excess savings as of June were held by the lower half of the income distribution, or around $5,500 per household on average.” For my economic work, household balance sheets were better during the last expansion than prior to the housing collapse. This was key to the recovery going into the COVID-19 crisis and getting out of that brief recession because we didn’t have a credit bubble that needed deleveraging. This time is much different than what we saw at the century’s start. This is one of the pillars of the COVID-19 recovery model I wrote on April 7, 2020 and why I created the phrase the “forbearance crash bros” in the summer of 2020, because I knew household balance sheets were good this time around.  Major consumer protection debt laws passed were key One of the unsung heroes of the most prolonged economic and job expansion ever recorded in history was the passing of the 2005 Bankruptcy Reform Act and the 2010 qualified mortgage rule under Dodd-Frank. Both these laws paved the way for more responsible lending and a more responsible consumer. In 2000, we saw a lot of credit stress in the system. As we can see below, the bankruptcy levels were extremely high before the bankruptcy law was passed in 2005. That law also facilitated a final big push by consumers to file for bankruptcy before the laws made it harder. Then we saw an uptick in people filing for foreclosures and bankruptcy during an economic expansion from 2005 to 2008. After all that credit stress, then the job loss recession happened. As we can see above, none of this happened in the expansion from 2010 to 2020, as credit standards were much better. Now, over time, we should get back to pre-COVID-19 trends in foreclosures and bankruptcies, but as you can see, the consumer is in much better shape because the credit system is in much better condition.  All my six recession red flags were raised toward the end of 2006, and the recession didn’t start until later in 2008. This year, I raised my sixth recession red flag on August 5, so I am on recession watch now. The Federal Reserve is trying to cool inflation by slowing the economy down and raising the unemployment rate. When the Fed says they may need to keep rates higher for longer, I believe that’s them talking tough, as they can fall back on the fact that the labor market is still solid and household balance sheets are good.  This, of course, only works if the employment data stays firm. I believe the Fed can talk tough as long as jobless claims remain below 323,000 on the four-week moving average. Once those levels break, then a lot of things change. So, it will be critical to hear what the Fed thinks of the economy now and going out with rate hikes. Housing already in a recession, but no credit stress During the build-up to when the housing bubble burst, housing was getting noticeably weaker on many fronts. What was more damaging was that people were filing for foreclosures before the job loss recession even happened. Currently, the housing market is in a recession: sales, production, jobs and incomes are all falling in the housing sector. This is something I talked about on CNBC a few months ago. But this is a traditional housing recession, this is not a credit bust like we saw during the housing bubble years.  The Federal Reserve wants a housing reset. They know housing is in recession already, but they don’t care because they don’t see a credit bust or a job loss recession yet. Total inventory in America grew from 2000 to 2005 while demand grew. The FOMO demand (fear of missing out) credit boom from 2002 to 2005, as we can see below, has not happened in the last 10 years. Purchase application data is below 2008 levels today. However, total inventory levels today are below 2019, 2014, 2007, 2005, and 2000 levels because homeowners are in a good place financially. In 2005, we saw a massive spike in inventory during an economic expansion, and then the job loss recession happened in 2008. While the economy was still in expansion mode, inventory rose from 2.5 million in 2005 to over 4 million in 2007, with foreclosures and bankruptcies rising since then. Today, we are at 1.25 million total inventory, according to NAR, and household balances still look good. Now, a job-loss recession can change this narrative. However, unlike the credit stress of 2005 to 2008, we are back to traditional late-cycle lending risk with primary homeowners. Those homes with a meager down payment that don’t have excellent FICO scores or a lot of reserves would be the high-level risk for future foreclosures. This is why I am very mindful of recent 100% loans that some banks are offering. So while the Fed might be monitoring the housing recession to see how bad it gets, they’re not worried enough to start talking about lower rates or buying

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