Has anyone used Health IQ for life insurance? I'm out of shape right now (6 feet, 210lbs, haven't ridden in a while) but looking at life insurance quotes and stuff might be what I need to get back in shape and start riding again. I need a good bit of insurance since my wife stays at home and I make a good bit, and the quotes are expensive (probably over $1000 a year). Health IQ looks like they take into account your exercise and stuff, the fitness test is just to ride 50 miles, which even out of shape I could probably manage right now if I found a flat route (other than a sore ass tomorrow).