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Haven Life expands availability to cover non U.S. citizens

Haven Life’s simple approach to term life insurance is now available to non-citizens with certain visas and green cards. Apply for up to $1 million in term life insurance coverage issued by MassMutual.

term life insurance online for noncitizens

It doesn’t matter what part of the world you were born in. The want and desire to protect your family from the unexpected remains the same.

That was the (rather obvious) motivation behind the decision to increase availability for the Haven Term policy to include non-citizens.

Non-U.S. citizens comprise almost 15% of the U.S. population. And we’re thrilled to now be able to offer these individuals a streamlined solution to apply for affordable and dependable term life insurance coverage issued by MassMutual for up to $1 million. Frankly, we wish we could have done it even sooner.

This expansion in availability illustrates some of our core values — to be inclusive and give as many people as possible access to a simple way to financially protect their families. Non-citizens living in the U.S. who wish to apply online for a Haven Term policy will need to upload a visa or green card that meets our eligibility requirements  (we currently accept 16 different kinds). Otherwise, they will have the easy, convenient and transparent experience that Haven Life customers have enjoyed for the past three years, with the ability to apply for coverage up to one million (a life insurance medical exam is required).

Of all of the features and improvements we’ve announced in the last year, this was one in particular held a special place in our team’s heart. And it’s not just because many members of the Haven Life family are non-citizens themselves. But also because it meant that people coming to this country to grow their families and follow their dreams now had another simple way to provide a financial safety net for their loved ones and peace of mind for themselves.

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Source: Migration Policy Institute, 2018

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About Yaron Ben-Zvi

Yaron Ben-Zvi is Head of Platform Innovation for MassMutual, as well as the co-founder and CEO of Haven Life, MassMutual’s in-house startup that’s setting the pace for innovation in life insurance. In this role, Yaron oversees the strategy and vision of direct-to-consumer initiatives and is responsible for the delivery of an end-to-end digital life insurance transactional platform. His interest in life insurance began as a customer when he set out to buy a life insurance policy for himself and found existing solutions had not yet realized the potential of digital capabilities in the space. Previously, Yaron was a founder in several early stage companies, including a digital life insurance agency as well as an early robo-advisor. Earlier in his career Yaron worked with various innovative media companies. He was an early employee at social listening platform BuzzMetrics, later acquired by Nielsen Media, as well as an early employee at Oxygen Media, later acquired by NBC. You can read more content from Yaron on Forbes or via his LinkedIn posts.

Read more by Yaron Ben-Zvi

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.

Our disclosures

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:

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