Life Insurance

Do both my spouse and I need life insurance?

Okay, so you’ve figured out you need term life insurance (congrats, you’ve come to the right place.) But, what about your better half? If one spouse is covered, does the other also need to be?

Often, the answer is yes.

With marriage or a lifelong partnership comes a myriad of shared financial responsibilities and expenses times two – the mortgage or rent, utilities, car payments, and, eventually, the expenses that go hand in hand having children. Not to mention, most people would want to leave their partner in as good if not a better financial situation, if they could. This is where life insurance comes in.

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Do single people need life insurance?

Life insurance often isn’t needed for a single person with no children. Some may say, “Buy it while you’re young and healthy.” The reality is that, if you don’t need coverage, the money toward a life insurance premium could be better utilized by contributing to retirement savings or building an emergency fund. But, all single people aren’t off the hook. There are still quite a few circumstances when you may want to consider purchasing a policy.

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Does a term life insurance premium increase as you age?

When it comes to insurance, most of us expect prices to increase over time. And we assume this for a good reason – they often do. We’ve all been in the situation where our auto, cable or internet “promotional price” is up, and we’re stuck with a bill that’s $20+ more per month. No matter our negotiating prowess, many of us end up with at least an incrementally higher payment each month.

Fortunately, we have good news for you. Life insurance doesn’t have to work that way.

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buy two million dollar life insurance policy

Buying $2 million in term life insurance coverage just got a whole lot easier

Sometimes more is better. Especially when “more” is more financial protection for those you love.

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What does term life insurance cover?

Life insurance helps cover your loved ones financially if you were to die. The money from a life insurance death benefit (the policy payout) can be used in numerous ways that support the beneficiaries’ needs.

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Does term life insurance expire?


That’s the one-word answer as to whether or not term life insurance expires.

As for the slightly-longer-but-significantly-more-comprehensive 221-word answer…

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what you need to know about life insurance

Your life insurance questions answered

Life insurance doesn’t need to be complicated. We answer some of your most pressing questions.

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Millennial Parents Are Dedicated to Raising Well-Rounded Kids At Any Cost

Millennials are – or are about to become – parents.

Actually, 9,000 per day if you’re keeping score at home.

So, how are we doing so far?

Good question.

Haven Life surveyed parents (with children ages 0-5) to find out what they are prioritizing when raising Generation Alpha.

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Using life insurance to protect against your mortgage

Owning a home means having a little piece of the world where your family can grow – a place your children can return to after first days of kindergarten, first dates, and first years at college.

Your home is also a cornerstone of your family’s financial future because it’s a substantial asset that’s likely to grow. But even the best-made plans are not certain, so homeowners need a way to protect their mortgage from falling to their partner or a co-signer if they were no longer around.

Term life insurance offers an affordable way to protect your family’s ability to pay the mortgage, and, ultimately, to stay in their safe haven. And, if you’re a young, healthy new homeowner, you have access to some of the best term life rates out there.

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Preparing for a life insurance medical exam

Even in the easy, online world of term life insurance, you still may need to take a medical exam to get your final decision on coverage eligibility and your real rate. This isn’t a bad thing. Typically, the less assumptions that are being made about your health often results in better policy pricing.

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Get your real rate