We’re in the 100th percentile for NPS. What does that mean?
It's kind of a big deal, thanks to our love of providing great customer experiences.
At Haven Life, we believe buying life insurance online can and should be easy. But you know what isn’t easy? Getting a high NPS rating. And we did it anyway! (And all during a pandemic, when demand was at an all-time high.)
For a business, NPS (which stands for Net Promoter Score) is essentially a measure of how your customers feel about you. The score comes from the answers customers give to a series of standardized questions that cover every aspect of your service. Because the questions are standardized — not adapted by a business to get positive feedback — NPS is a very reliable way to find out how Haven Life customers really feel. (Your score can even be negative.) That’s why it’s used by more than two thirds of Fortune 500 companies. People who answer the questions also give detailed feedback about what the pros and cons and what they like and dislike about the company in question.
Haven Life is now in the 100th percentile for NPS scores in our industry. (We are about 30 points above most of our peers in the life insurance industry.) Life insurance is not generally viewed as a sexy product (we have no idea why), so it’s rare for customers to be enthusiastic enough about their life insurance options to get a high NPS score. As a point of comparison, Apple is famous for having a high NPS score. Theirs is in the 70s, and so is ours.
We asked Haven Life’s brand director, Adam Weinberg, to tell us a bit more about what our high life insurance NPS score means.
In this article:
Why does this feel like such an achievement?
One of the things about NPS – for some this might be frustrating, but I think it’s a nice thing – is that it really is a true team effort. There’s no one single thing that contributes to an NPS score. It’s not because your home page is pretty, and it’s not because your website has no technical bugs. An NPS score takes the whole customer experience into account – it’s not easy to manipulate or change. If you get a low NPS, you can’t just make a couple of switches and suddenly you have a high one. In order to get a high score you really need to have everything buttoned up, from the back end tech side of things to the email you send people after they become policyholders.
Why do you think Haven Life got such a positive response from customers?
In general I don’t think people expect to have an overwhelmingly positive response to their life insurance agency, but the NPS results show that Haven Life customers do. One of our key brand missions from the beginning has been to create a community and an experience that treats policyholders as more than policy numbers. I think the fact that people said they’d recommend Haven Life shows we’re achieving that. People saying they’ll tell their family and friends about Haven Life is, for me, the best sign of affirmation that we’re achieving what we want to achieve.
“People saying they’ll tell their family and friends about Haven Life is, for me, the best sign of affirmation that we’re achieving what we want to achieve.” -Adam Weinberg, Haven Life brand director
What feedback are you happiest about?
Seeing the positive feedback to our customer support team means a lot to me, because everyone has some customer support nightmares that they’ve dealt with in their life. But I know that if an applicant or policyholder reaches out to our support team that actually plays to our strengths. Not only is that team friendly and empathetic, they’re also extremely knowledgeable and they know how to communicate to different customers and applicants in a way that instills confidence.
Also, we’ve been very focused on communicating in a way that values people’s time. If you go to a typical insurance website it might be overwhelming; there’s a lot of jargon. We try to streamline that: Some of our most commonly cited areas of success for NPS are communication and customer experience.
What customers say about customer success
Sep 29, 2021
The website is easy to review. Coverage level I requested meant testing. That was a little clunky due to communication between their 3rd party, but haven life agents were timely with email communication. Overall the rate was a little higher than expected, but glad to have the insurance. Really liked using the slider to determine the final coverage. After policy issued, website shows a new perk so come so looking forward to seeing what that is about
–Barbread more at
Jul 9, 2021
Exceptional Customer Service
Overall customer experience was exceptional. Customer Service agent (Qianqian) exceeded my expectation in assisting me with resolving a rate issues-expertise, product knowledge, timeliness and follow-through were A+.
–ELread more at
Jun 13, 2021
The whole process was easy though…
The whole process was easy though filling out the form was long. It was great to know I was given options to increase the amount and the terms. The monthly premium was reasonable though I was expecting a lower rate. But I like that I got approved after so many denied applications from different companies. The customer service and the correspondence was great as well!!! I would say I found a haven in your company, really!
–Marc R.read more at
May 26, 2021
The Best Term Life Application Process
The process was very easy and pain free. Excellent customer service as well! Glad I went with them.
–Lemmyread more at
May 5, 2021
Great customer service!
Process was efficient, as well as, professional. Customer service representatives, quickly answered any questions, and resolved any issues brought to their attention.
–Anthonyread more at
Was there any customer feedback that suggests room for improvement?
We read all of our NPS feedback — positive and negative — we share it with the whole team, and it has a profound impact on how we direct our strategy. Hearing about areas of strength is great, but we go right into the areas for improvement and see what we can do to address those. We use it to influence everything from site design, feature ideas, blog stories. From the NPS survey, we’re seeing people who want more tools to educate themselves in the life insurance shopping process. There are also people who now want physical copies of their policy, so we’re working on something physical for policyholders to launch in the coming months.
Putting customers first is front and center in our core values. I’ve worked at Haven Life for four years and the importance we put on feedback has not changed one iota since I joined. Our high NPS score shows that holistically as a team we’re really pulling in the right direction.
About Michael DavisRead more by Michael Davis
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 Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
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
What our customers are saying
Jun 8, 2023
Applied Sunday, Approved Monday…
I filled out the application on Sunday afternoon, and was fully approved before noon on Monday. I was initially told that I would need a medical exam, but in the process, it was determined that I didn’t actually need a medical exam to be approved. So, this was a welcome surprise. Also, the initial quote I was given (before completing the application) was only about $15 off from the final approved premium. The Haven Team communicated with me regularly thoughout the application process and promptly answered my questions. Overall, this was an extremely smooth, efficient, and pleasant experience. My family and I are thrilled to have this affordable policy that will last 30 years, onto my 70s. Thank you, Haven!
–HBread more at
Jun 7, 2023
Easy application process and great…
Easy application process and great rates compared to other insurance companies I considered. The health screening portion was a bit long and I kept getting follow up questions for medical history related to my wife and not myself.
–Tylerread more at
Jun 1, 2023
Easy to apply
Easy to apply I just got approved last week so haven't had to make any claims or anything like that (as this is a life insurance policy, guess that's a good thing lol). But what put Haven Life at the top of my list was their intuitive website and easy application process. All done online and then the physical exam was done in my home! Very easy process.
–S Speightread more at
May 25, 2023
There was truly no medical exam for…
There was truly no medical exam for their term life insurance. The customer service was responsive and helpful. The price was comparable to another company with the same terms.
–Bukkyread more at
May 11, 2023
Wonderful company!! I definitely recommend Haven life!! Awesome at finding the best coverage for me! Great coverage that is affordable!! Glad I listened to the recommendation that was given to me about this company
–Blaiseread more at