Introducing Haven Technologies
What’s Haven Technologies? Oh, just a new way of making life less hard — for our entire industry.
At Haven Life, our guiding principle is to make life less hard. In general, we are talking about insurance when we say this, either term life or disability, and we mean we’re making life less hard for you, the customer of today — or tomorrow.
But as of now, we’re also making life less hard for the insurance industry as a whole. That’s because we’re rolling out Haven Technologies, a new advanced insurtech platform for the life, fixed annuities and disability industries. As a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual), Haven Technologies will leverage a SaaS (Software-as-a-Service) model to make its solutions available to carriers, who can then leverage new business, in-force management and product development solutions as their own.
We know: That all rolls off the tongue, doesn’t it? And it probably requires no further explanation, as you’re undoubtedly up to speed on SaaS solutions and whatnot. But on the off-chance you’re not — it’s a busy time! — we’ve put together a primer to answer any burning questions you might have. Starting with the big one.
In this article:
What is Haven Technologies?
Imagine Haven Life is a great car — easy driving, good looking, tricked out with the latest and greatest in safety features and high-end audio. (You know, the important stuff.) Haven Technologies, then, is like the engine inside that car — the thing that keeps it running smoothly and efficiently. Now, imagine taking the engine (Haven Technologies) out of the car (Haven Life) and putting it in another car (Insurance Carrier X) — that’s sort of what we’re doing here.
When Haven Life launched in 2015, it revolutionized the life insurance industry (if we do say so ourselves) by adopting a digital-first model. That meant you could get a quote, apply for a policy, get approved for your policy, and then manage that policy, almost entirely online. For an industry as old as life insurance — many big American insurers are at least a century old, and the idea of life insurance dates back a couple of millennia — this was quite a breakthrough.
And more importantly, it meant more people had better access to life insurance—and dependable financial protection makes the world a better place. So guess what? We firmly believe that ideas that make the world a better place deserve to be shared.
And now, it’s time to share the love. And by love, we mean technology. So while Haven Technologies is wholly owned by MassMutual, the company will operate independently, offering its solution to other businesses in the life, annuities and disability industries. So in the future, you might buy, say, a disability insurance policy from Company X. But under the hood, it could be powered by Haven Technologies. Indeed, a recent example is HealthBridge, a free online life insurance policy offered by MassMutual to frontline healthcare workers and volunteers in the wake of the COVID pandemic, that was built and launched in a mere three weeks leveraging the Haven Technologies solution.
Why Haven Technologies?
Great question. And as we often do when we’re asked a great question, we found someone else who knows the answer and asked them. In this case, that’s Yaron Ben-Zvi, CEO of Haven Technologies. Here’s what he said:
“The life, annuities and disability industries have gone as long as they can relying on legacy technology, whether that’s outdated homegrown platforms or a patchwork of vendor solutions. It’s time they stop running on fumes and start transforming to deliver a seamless digital experience, reform complex advisor driven businesses, and launch new products with speed. We are eager to partner and build hand-crafted relationships with the most forward-thinking carriers in order to do just that.”
That all sounds good. But don’t take his word for it. Here’s Gareth Ross, Head of Enterprise Technology and Experience at MassMutual:
“Over the past few years, and as a result of using the Haven Technologies platform to power our digital offering, we’ve seen an improved customer experience, faster time-to-issue of policies and an increased ease of doing business for advisors. That’s translated into substantial cost savings across new business activities as well as legacy blocks of business we’ve migrated over. Because of this, we are quickly moving to consolidate 100% of our new and legacy life business onto a single platform, something we would have thought impossible just a few years ago. This will help us stay ahead of the technology transformation happening in the industry.”
We’ll add another thing, if you’ll forgive the immodesty. We know Haven Life is awesome. But our greatest asset is our people. We are creative, caring and kind — and we direct our creativity, care and kindness toward partnering with carriers to make financial protection and security available to as many people as possible. Fundamentally, Haven Technologies is a way to do that, which is why we’ll be stressing quality over quantity as we build partnerships going forward.
Another way to put it is that, yes, Haven Technologies uses a business-to-business model. But we like to think of it as a people-to-people company.
What does it mean for Haven Life?
Haven Life remains Haven Life. It will remain a direct-to-consumer insurance agency, with policies underwritten and issued by MassMutual and its various subsidiaries — same as it ever was. So don’t worry about us.
But we have a feeling what you’re really asking is…
What does Haven Technologies mean for you?
If you’re a potential carrier or client, quite a bit, for all of the reasons outlined above. Our team is innovative, creative, understanding and caring. Expect the same TLC from Haven Technologies. (And who knows, maybe there’ll be a cookbook down the line.)
If you’re a Haven Life customer, more good news: Nothing will change. If you’re somehow not a customer — and hey, we can help you with that — all it means is there’s a chance that, in the future, your life or disability insurance policy may be powered by Haven Technologies, regardless of where you purchase it.
And that’s good news. As any customer can tell you, online-first life insurance is the future (or maybe just the present). You can get a quote online, quickly and easily. You can apply in minutes. You can get approved quickly, sometimes even immediately, sometimes without even taking a medical exam (just be honest on your application, since issuing the policy or paying its benefits is based on your answer to the health questions in it) — something your parents or grandparents could never have imagined. And then, of course, once you have the policy, getting help from Haven Life’s customer success team is only an email (or chat) away, and many customers will also be eligible for easy, digital-first offerings from partners via Haven Life Plus, a rider to the Haven Term policy that offers a suite of bonus offerings like a no-cost fitness app subscription and no-cost online will services.
All the ease and speed that made Haven Life what it is will now be available farther and wider, as more insurers partner with Haven Technologies to power their businesses. And again, at the end of the day, that’s what we’ve always been about: Making life less hard.
About Louis Wilson
Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.Read more by Louis Wilson
Our editorial policy
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our editorial policy
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
Haven Technologies (HITPS, LLC) is an insurance software as a service (SaaS) provider. It is a Delaware limited liability company with a principal address of 60 Madison Avenue, 7th Floor, New York, NY 10010. Haven Technologies, is a wholly owned, but independent subsidiary of the Massachusetts Mutual Life Insurance Company (MassMutual). Haven Technologies software solutions and services are designed for insurance carriers to underwrite, service, and administer policies issued by the carrier (Haven Technologies is not a licensed third party administrator). © 2021
Haven Term is a Term Life Insurance Policy (ICC21 Haven Term in certain states, including NC) issued by C.M. Life Insurance Company (C.M. Life), Enfield, CT 06082. In New York (DTC-NY) and California (DTC-CA), and in other states it is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC). It is issued by C.M. Life Insurance Company, Enfield, CT 06082.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus.html
What our customers are saying
May 26, 2022
Loved that I was able to complete application online, labs done at home and received results and offer in less than a week.
–Kelly Nisbethread more at
May 25, 2022
I am very happy with how easy it was to…
I am very happy with how easy it was to apply for Haven Life insurance online. My husband did also. He got his quote quickly and didn’t have to have an exam or bloodwork. I actually did have to have an exam. It was simple though. She even came to my home and asked questions and took my blood pressure etc. after about a week I got my results and an offer soon followed from Haven Life. It was just a bit more than the initial quote because of my health history. But it was the lowest quote that I received from similar companies. I am happy with the emails and when I called with questions, I got answers quickly and to my satisfaction. Thank you Haven Life for making me feel that you listened to my needs.
–Christine Hathawayread more at
May 18, 2022
From start to finish I had no problem…
From start to finish I had no problem navigating my way through the questions. Not sure if I will keep my current rate or lower it late but glad I have the option.
–lynesha robinsonread more at
May 17, 2022
Fast and easy
Fast and easy. Received my policy hassled free.
–Santi Khiosidaread more at
May 12, 2022
Put your mind at ease, hands down the easiest process and best in value compared to other companies.
–Denayread more at