Get a term life insurance quote without giving personal information

Young female artist smiles as she works on her laptop in her painters' studio

If you’ve ever wondered how much personal information you need to divulge for a life insurance agency to give you a personalized quote, the answer may surprise you: none. You might wonder why an organization needs to know your name, your address or phone number in order to give you an accurate quote. With Haven Life, that’s not the case.

That’s not to say that you’re not special – you’re still as unique as a snowflake, and your DNA sequence remains different from that of the other 7.5 billion people on earth – but to enable a life insurance agency or company to make a more precise calculation for you, the following information is all they need to know about you:

  •    Your date of birth
  •    Your gender
  •    Your health
  •    Your home state or 5-digit ZIP code (not your actual address)
  •    Whether you smoke
  •    What length of coverage you want

Quotes are a great way to estimate and price compare life insurance policies. Here’s an example of the information you need to provide to Haven Life Insurance Agency in order to get a quote for term life insurance issued by MassMutual for a 35-year-old woman in excellent health who wants a $500,000 policy for 20 years:

A short, fill-in-the-blank form only asking a few questions

And here’s the kind of quote that will be generated as a result:

A results box with an estimate range

If this all looks straightforward and pleasantly private, that’s because it is. The information is personalized for you, yet you remain anonymous. It takes a minute or two to enter your data, and you’re instantly shown a quote. It’s also worth noting that while you’re on this page, you can get different quotes based on different amounts of coverage and term length. Perhaps you’d like to see what it would cost for $750,000 of coverage for 20 years – just change those numbers and generate a new quote.

You can even use this page to satisfy your curiosity: If you want to know what life insurance would cost if you were older (the answer is “more,” so it’s better to buy it sooner rather than later), you can also enter a different age and get a new quote. Just bear in mind that when you actually apply you’ll need to supply your driving license or Social Security number, both of which feature your actual age. But again, that’s only if you liked the quote and now you’re actually applying for life insurance (in which case you’ll be happy to give the company your information, because how else could they make sure the money goes to the right place in an emergency?).

If all you want is a quote, there’s no need to give up any personal information with Haven Life, not even an email address, unless you want information sent to you. Remember that quotes are only estimates. Fortunately, it’s simple to apply online with Haven Life and get your personalized-to-you rate.

Life insurance that's actually simple.

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Michael Davis is a freelance writer and editor who has covered everything from fashion and music to parenting, work, and finance. He has been a chef, restaurateur and record label owner. Opinions are his own.

Real Rate is based on your application and third party data obtained during underwriting.

Haven Term is a Term Life Insurance Policy (DTC 042017 [OK1] 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. Policy and rider form numbers and features may vary by state and may not be available in all states. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Our Agency license number in California is OK71922 and in Arkansas, 100139527.

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