How can I apply for life insurance?
It’s easy to complete a life insurance application without setting foot in an office.
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Buying a life insurance policy online may seem foreign to some.
But assuming you’re provided with the right tools, it can actually be quite easy to apply for a life insurance policy entirely online without setting foot in the office of an insurance agency or a medical examiner.
By researching and applying for a term life insurance online, you can quickly and easily learn how much coverage you need, get an idea of how much the policy will cost, and start coverage that same day—all from the comfort of your own home. For those who prefer digital services, buying life insurance online can be a transparent, simple way to get financial protection for your loved ones.
Here’s what you can expect should you choose to enjoy the paperless, hassle-free process of a life insurance online application.
A simple way to calculate your life insurance needs
If you’re in the life insurance exploration phase and figuring out your coverage needs, a life insurance calculator provides a simple, straightforward way to estimate how much coverage you should buy. An online insurance calculator will take into consideration your age, debts, income and family structure to provide a term length and face amount recommendation that’s appropriate for you. The calculator will even tell you if you don’t need coverage at this time.
Our life insurance calculator at Haven Life takes into consideration:
- Replacing your after-tax income
- Childcare for kids until they are 18
- The cost of your children’s college education
- Health care costs for a non-working spouse
- Debts that need to be paid off, such as a mortgage or other cosigned loans
- Social Security income, if eligible
- The cost of a funeral and final expenses
The amount of coverage you purchase (called a face amount) is the sum of money your family would receive as a death benefit if you passed away. The beneficiary (or beneficiaries) you choose can use the policy payout for a number of financial needs – to help cover funeral expenses, meet day-to-day living expenses, plan for the future, or cover the costs of caring for your children, to name a few.
An online life insurance calculator does the math for you to figure out what amount of coverage is needed to help financially protect your family.
An honest look at how much life insurance will cost you
For much of the industry, it’s standard to lead with initial life insurance quotes that are based on a simple, self-reported statement of health. While a quote gives you an idea of how much a life insurance policy will cost, it doesn’t take into consideration any health information or medical conditions that a life insurance company might consider in underwriting.
Now that there are simple solutions for buying life insurance digitally, you can easily apply online to receive a personalized-to-you estimate for your insurance premiums — or even a final rate– within 10 or 15 minutes. And if approved for coverage, you can have your policy in place immediately.
Starting with a life insurance quote made sense when the manual underwriting process took a couple months to determine your eligibility and final pricing. But now, real-time underwriting provides more transparency into the cost of life insurance than ever before. So if you want to know the real price for term life insurance, fill out a simple online application.
An easy, online term life insurance application
Haven Life, which is backed and wholly owned by leading life insurer MassMutual, has created a dynamic, online experience for buying term life insurance. The application will ask you only the questions that are really necessary to determine your eligibility and premium pricing for a term life insurance policy.
During the online life insurance application process, you will be asked about your lifestyle, personal medical history and family health history. Haven Life then fact checks it with third-party vendors like the Medical Information Bureau, DMV, and Social Security Administration to ensure all is accurate. This isn’t any more information than is required by other insurers; it’s just analyzed in real-time instead of over the course of several weeks.
This fast-and-convenient application processing is how Haven Life can provide an immediate decision on coverage eligibility. It’s a true anywhere/any device life insurance process.
Sometimes, you’ll need a life insurance medical exam
The only part of the life insurance buying process that may not be online is the medical exam. For medically underwritten term life insurance coverage, which is usually the most affordable type of policy, a medical exam is often needed.
Some qualified, healthy Haven Term applicants up to the age of 59 may be able to skip the medical exam entirely through the InstantTerm process. Keep in mind: it’s very important to be honest when completing the application. The issuance of the insurance policy or payment of benefits depends on the truthfulness of answers in the application.
Once an online life insurance application is submitted, you will be notified whether a medical exam is needed to verify that your health is as reported in the answers provided. If a medical exam is needed, you’ll have up to 90 days take it and are usually covered during that time. Once we get the medical exam results back, you’ll receive a final offer.
If a medical exam isn’t needed, you’ll receive a final offer upon submission of your application, and once you e-sign, you’re done. No phone interviews. No faxes. No nothing. You’re done. Give yourself a pat on the back for helping to protect your loved ones financially.
Coverage backed by a leading life insurer
So what sacrifices do you have to make for all of these conveniences of digital life insurance? Well, none. Term life insurance coverage is still cost-effective and the insurance policies are backed by leading life insurers.
When shopping for life insurance, it’s always important to research the third-party ratings and customer reviews of the life insurance company that issues your policy as well as the agency selling it. You want to ensure you are purchasing from a reliable insurance company. Life insurance company ratings provide you with a valuable insight into financial strength and claims-paying ability. As for customer reviews: that’ll indicate if the buying experience and customer support will live up to your expectations.
The Haven Term policy sold by Haven Life is issued by MassMutual, an A++ rated insurer by A.M. Best. As of April 2020, Haven Life also has a 4.8 out of 5-star rating from its customers via Trustpilot. Because Haven Life is backed and wholly owned by MassMutual, it is able to offer high-quality life insurance coverage, affordable pricing, and a streamlined buying experience.
Life insurance that’s actually simple
As with many of the online goods and services we purchase, with the right amount of friendly customer support, buying life insurance online is something that can be done confidently and conveniently.
When you’re ready for peace of mind, you can get started here.
No time like the present …
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 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.html
What our customers are saying
Jan 21, 2021
The process to get my policy was almost…
The process to get my policy was almost flawless. Correspondence was done in a timely manner. I like the fact I didn’t have to wait days for a response.
Jan 21, 2021
Really good expérience no spam calls
Really good experience buying life Insurance almost entirely online and phone call free. Had to do one phone call to schedule exam but besides that, the entire process was annoyance free and completely online which is preferred.
Jan 13, 2021
The application process was very easy.
Jan 13, 2021
Very affordable, I gathered quotes from 4 different life insurance companies and this was by far the least expensive for the same coverage. Relatively quick and easy process to sign up. Only reservation was that we were originally under the impression that no medical exams are required, but my husband received a message that he would have to get one (we later received a message that he no longer needed one).
–Louie Sread more at
Jan 13, 2021
My only concern was with the company...
My only concern was with the company used (Exam One) to complete my physical examination. The process took too long due to rescheduling and mishandling of my lab specimens. Other than that the process was simple.