Join thousands of customers who love Haven Life
People don’t expect to feel good about their life insurance. At best, they might feel indifferent. Happy to have it. Satisfied it’s off their to-do list. Content to never think about it again. And for about 100 years or so (yes, that’s how long the life insurance industry has been around), that was good enough.
In 2015, Haven Life was started after our CEO tried to buy a life insurance policy to help financially protect his growing family. What he found was an unnecessarily complicated experience to purchase an exceedingly important product.
Haven Life exists to help make securing affordable term life insurance actually simple. By focusing on things like efficiency, transparency, honesty and policyholder needs, we’re proud that Haven Life has earned a 4.8 out of 5-star rating from customers.
Read Haven Life reviews straight from our customers.
"Wow! I have life insurance and it only took 15 minutes! The process was simple, quick and painless. Now that’s my type of life insurance! #GoHavenLife...it’s (almost) like my birthday!"
—Rachel, July 2020
An easy online application experience
Applying for a term life insurance policy with Haven Life can be done anytime and anywhere (the couch with some coffee is always a good spot). Most customers are able to get a quote for term life insurance coverage and easily complete their online application in under 20 minutes. And that’s not because it’s some kind of race, but rather because Haven Life provides all of the tools and resources you need to confidently DIY. We’re working hard behind the scenes to make this process as smooth as possible for you, so you can buy an insurance policy that fits your needs.
“Haven Life is a wonderful company. The entire process was simple and peaceful. They made me feel like family from the start of the application. I will recommend them to anyone.”
—Ananias, January 8, 2020
What customers say about their application experience
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Sep 9, 2020
Quick and simple Approval
Both my husband and I got term life from Haven life. We recently had a baby girl and we wanted to make sure she’s protected financially if something were to happen to us. He got his first then i got mine after seeing how quick and simple the process was. We are both healthy adults in our late 20s so it was fairly simple and easy to get approved. The price is fair. Term life provides peace of mind for trajedy as we continue to build our wealth. We plan to be self insured when our term expires. I would recommend this company.
–Rachelie
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Jul 23, 2020
Piece of mind...
Everything to acquire the piece of mind that my family is taken care of because of something I did over a very short period of time was well worth it. From answering the pre-qualification questions online to attending the medical exam in town, I've gotten to work with a team of really nice professionals.
–Carlton
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Jul 22, 2020
Positive experience overall
Was fairly easy to complete, but the online form disappeared in the middle so I had to start over. I called with a question regarding another issue with the form and that was resolved quickly.
–LeeAnn
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Jul 1, 2020
Adulting In Record Time
Wow! I have life insurance and it only took 15 minutes! The process was simple, quick and painless. Now that’s my type of life insurance! #GoHavenLife...it’s (almost) like my birthday!
–Rachel
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Jun 17, 2020
Haven Life company provides a great product, price and website !!!
Haven Life company provides a great rate and a very easy to use process with a simple website to access. This is one of the best websites to use. I highly recommend this company.
–james
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Dependable life insurance coverage at affordable rates
Every insurance policy sold by Haven Life is issued by MassMutual, one of the country’s oldest and most reliable life insurance companies. Considering that life insurance is really a promise to financially protect your loved ones for the next 10, 20 or even 30 years, it’s good to know that your insurance policy is written by an insurance company that has been in business for more than a century.
Beyond dependability, Haven Life prioritizes selling term life insurance products that are a good value for every budget. Our medically underwritten Haven Term policy provides term lengths ranging from 10 to 30 years, robust coverage amounts up to $3 million, and all at pricing that’s competitive across the industry. With a term life policy, you get level premiums that remain the same for the duration of your term. For example, if your premium is $30 per month for a 30-year, $500,000 term life insurance policy, it will remain that price for the next 30 years.
“Extremely affordable life insurance. Application process was simple and straight forward. Great customer service via email, quick responses.”
—LB, March 11, 2020
What customers say about their rates
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Dec 1, 2020
Haven Life was very easy to use
Haven Life was very easy to use. Application was simpler than other companies, and the medical exam was convenient, with someone coming to my house to do it. Rates were low and they are backed and owned by Mass Mutual, which is a highly rated company (if you're concerned about solvency). Highly recommend.
–JD Marlow
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Sep 2, 2020
I got quotes from 3 different…
I got quotes from 3 different companies. HavenLife did not deviate from the quote until it was issued. 1. Process was easy and quick 2. Received continuous support 3. Decision was fast 4. Filling up online was not offered by other 2 companies.
–Sri
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Aug 6, 2020
Website was easy to use
Website was easy to use. Great price for my insurance
–Yanyan
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Jun 17, 2020
Haven Life company provides a great product, price and website !!!
Haven Life company provides a great rate and a very easy to use process with a simple website to access. This is one of the best websites to use. I highly recommend this company.
–james
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May 21, 2020
Helped answer my question
Helped answer my question. I can’t believe what a good rate I’m getting, too!
–Sarah
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A hassle-free medical exam experience (when it’s needed)
We understand that for many the need to take a life insurance medical exam is a less-than-desirable added task to your already busy lives. While we aim to provide no medical exam term life insurance coverage to as many customers as possible, the reality is that many applicants will still need to take an exam to finalize coverage.
Once an application is submitted for a life insurance policy, you will be notified if you qualify for our InstantTerm, no medical exam experience. If a medical exam is required, please know we aim to make the experience as easy and convenient as possible for you.
Please keep in mind: it’s important to be honest on your life insurance application. Payment of the policy (called a death benefit) is based on the truthfulness of answers provided in the application.
“We got lucky that we found Haven Life online. From the start of application, blood work and customer service, they are there anytime to help and questions are always answered patiently. I highly recommend Haven Life.”
—Leny, March 11, 2020
What customers say about the medical exam
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Feb 17, 2021
Life Insurance Approval Process Thumbs Up!!!
I am licensed in TX for Life & Health insurance so I am familiar with excellent or poor underwriting and medical exam services. I am very pleased with the approval process.
–JOSE BALLEZA
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Feb 10, 2021
Very fast and easy
Very fast and easy to use the online application. Had results quickly .. medical exam was easy and was done quickly and professionally. Very pleased with their service and quick response.
–Melissa
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Jan 29, 2021
10-year Term Life Policy Purchase
I recently purchased a 10-year Term Life insurance policy with Haven Life at a great rate for my age group. The application process was fairly easy to complete. After completing the application I was informed that a medical exam my be required based on a review of my application. I was assisted by a Haven Life representative named Paya, whom was extremely courteous, professional, and very helpful answering my questions and providing updates during my application review process. After a few days I received an email notification that my application was approved, and no medical exam was required. Thank you, Paya and Haven Life! Dwayne
–Dwayne A
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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.
–customer
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Dec 1, 2020
Haven Life was very easy to use
Haven Life was very easy to use. Application was simpler than other companies, and the medical exam was convenient, with someone coming to my house to do it. Rates were low and they are backed and owned by Mass Mutual, which is a highly rated company (if you're concerned about solvency). Highly recommend.
–JD Marlow
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World’s best customer success team. (Really)
Being a digital-first life insurance innovator doesn’t mean that real, empathetic, human customer support isn’t important. While we receive rave reviews for the ease of buying life insurance, we find that customers are equally delighted by the expertise and helpfulness of our customer success team.
Whether it’s through email, phone or live chat (pick your preference), we’re always ready to lend a hand.
“The process was straight forward. Shout out to the excellent customer service who responded to more than dozens of questions I had promptly. After a few interactions realized I was chatting with the same real person everytime which made the process very smooth.”
—Hemanth, March 25, 2020
What customers say about customer success
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Feb 24, 2021
For us older folks
This is for us older folks. I decided to finally get some term life insurance or should I say with a twist of the arm from my wife. I am 64 years old. Just to clarify, I am in very good health, lean and very active. Only had a lumbar fusion surgery. Anyway, I compared two companies based on my research that included this company and my current insurance company that will remain nameless other than they attract former military. So, I read other reviews about this company requiring a health examination,etc, etc. same holds true with that other company. Of course a company will perform their due diligence and base their decision on your overall health especially at my age compared to a thirty year old! I can not fault them. I already had a medical exam with that other company as I waited for their obtaining my medical records from my local VA Medical Center. I informed Haven Life of this and they were able to obtain a copy of the medical exam (no need to have performed twice) and received my VA records. This process takes time and it is not the fault of the company. I estimate the process took approximately 5 to 6 weeks. Unlike the first company, I strongly feel Haven Life (special recognition to Catherine) provided service excellence by keeping me informed along the way and listening to my concerns. Haven Life offered me a much better rate than the for mentioned. I expected to pay a much higher rate at my age but it is what it is. Bottom line here for us older folks (I believe you must obtain this insurance under age 65) is if you are prepared to pay higher premiums compared to a younger person, obtain a fair competitive priced premium, experience excellent customer service, and willing to be a little patient during the process, then you came to the right place.
–Andrew
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Feb 14, 2021
Efficient
Haven made the life insurance process very streamline and efficient. The team was great when it came to requesting my additional info and the approval process did not take long at all. Very thankful to Haven for everything.
–Dimitri
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Feb 3, 2021
I'm so happy I chose Haven Life for my…
I'm so happy I chose Haven Life for my policy needs. The entire process was quick, easy, stress-free and convenient. Their customer service is top-notch.
–Sandra
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Jan 29, 2021
10-year Term Life Policy Purchase
I recently purchased a 10-year Term Life insurance policy with Haven Life at a great rate for my age group. The application process was fairly easy to complete. After completing the application I was informed that a medical exam my be required based on a review of my application. I was assisted by a Haven Life representative named Paya, whom was extremely courteous, professional, and very helpful answering my questions and providing updates during my application review process. After a few days I received an email notification that my application was approved, and no medical exam was required. Thank you, Paya and Haven Life! Dwayne
–Dwayne A
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Jan 27, 2021
Excellent Customer Service
The staff were very professional and answered all of my questions quickly.
–Monique
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But, we’re not perfect
To date, we’ve helped thousands of people secure life insurance coverage, and we’ve got a near-perfect review rating from those customers to show for it.
We’re extremely proud of that fact, but near-perfect is not perfect. We know there’s always room for improvement. That’s why we will never stop listening, learning and trying to do right by our customers. That’s our promise to you.
Whether its follow-up questions, more payment options or just a typo in an email, please let us know. We want to be getting better every day.
“Extra Medical Questions were not well though out and kinda dumb that showed no understanding of the medical world. Asking why I was prescribed Motrin or Tylenol 10 or 12 years ago. Make me scratch my head.”
—Richard, March 18, 2020
Where customers say we can improve
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Mar 30, 2021
Horrible Customer Service
After signing up for the health exam, and proactively calling to confirm the appointment - the person scheduled to conduct the exam was a no-show. After calling back to see what happened was told that the person scheduled was actually not working that day. A waste of an entire work day and inconvenience of having to fast. Haven Life's response was sending me around a circle of auto responses with no resolution after multiple attempts on my part. I have since found another life insurance provider who was a much better fit and no health exam was required due to my demographic information.
–Emily Y.
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Jan 3, 2021
Haven Life Good and Bad
Haven life insurance has good prices and make it easy to sign up, my complaint is their referral process. I was referred to them by my father and their referral offer to him was not honored even though I used his link. I did this for my Dad then I saw their prices and it is really affordable so I am happy with them except I never would have even signed up without my Dad referring me. They should do what they say and give out referral bonuses otherwise people like me would never know how good of a life insurance company they are !!!
–Emily Kennedy
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Dec 29, 2020
I'm recently new to Haven Life
I'm recently new to Haven Life. I just had my meeting with a medical examiner recently and I need to go on record about the experience. I live in Brooklyn and as sent to the Midwood neighborhood (1222 Avenue M was the address, I believe). I arrived to my appointment and it was a shared office with 4 people all at computers not wearing masks (indoors! in a PANDEMIC!!) and not social distancing. I froze and stood in the entryway with my mask on until I was told which private office I could enter. My medical examiner was laughing with another medical examiner about a third medical examiner who used the wrong needle for a blood draw on a different patient. The environment, the behavior of the medical examiners and the experience therewith was appalling. What are your protocols for medical examiners? How do you enforce them? Because this office and my experience was atrocious. Please contact me to continue the conversation.
–customer
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Dec 19, 2020
Great Rates, Atrocious Buggie Website
The rate offerings of Haven Life are extremely competitive, and the actual insurance underwriting process from beginning to medical notifications, scheduling and receiving the policy is robust. But the user experience within the website is absolutely atrocious. The website is a nightmare to navigate. Although I would love to recommend Haven Life as a company, I wouldn't dare asking any person to navigate that buggie website.
–Policy Holder
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Mar 18, 2020
Extra Medical Questions were not thought out well
Extra Medical Questions were not well though out and kinda dumb that showed no understanding of the medical world. Asking why I was prescribed Motrin or Tylenol 10 or 12 years ago. Make me scratch my head.
–Richard
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From quote through the application process to starting your coverage and beyond, Haven Life is committed to providing you with the very best life insurance experience. To us, a policyholder is far more than a policy number, and whether it’s celebratory annual reports or no-cost bonus offerings like an online will or just lending an empathetic ear, we’ve got your back. And that sentiment is all reflected in the Haven Life reviews you have read.
See for yourself what all of the fuss is about by getting your free term life insurance quote now.
About Adam Weinberg
Adam Weinberg is the Brand Director for Haven Life, where he’s working hard to make life insurance easy. Adam is a creative problem solver who uses unique brand moments to create meaningful customer experiences. Adam has more than a decade of diverse editorial, marketing, and branding experience, including work on several award-winning campaigns for various digital media companies.
Read more by Adam WeinbergOur 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: https://havenlife.com/plus.html
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What our customers are saying
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Apr 17, 2021
Very professional and responsive.
Very professional and responsive.
–Gerard Acklin
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Apr 15, 2021
The process of applying for life…
The process of applying for life insurance with Haven Life was very seamless and simple, and the rates were even better. Overall a 5-star experience.
–Verified Buyer
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Apr 14, 2021
Very early but very encouraging.
I just started with Haven Life last week. The process to enroll on-line was very simple and straightforward. When an issue came up with my history they communicated the problem and together it was rectified. I had decided to use Haven Life after researching on the web. They came up in the top or number one in most if not all lists.
–Adam Acker
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Apr 14, 2021
Excellent company to work with!!
Excellent company to work with!!
–Lance
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Apr 13, 2021
My experience and rate quote
I was pleased with my rate quote and the ability to choose different amounts after I was approved. Haven scheduled my exam quickly and their website is easy to navigate during the process. I know underwriting takes time as to ensure a client is insurable, but I felt my underwriting process was quite lengthy. Part of it was my doctor had retired and getting medical records took some time on the clinic's end. I would have liked for Haven to be more proactive in informing me more about the details of the delays, but they did so when I contacted them. Customer service was very courteous. Underwriting was very thorough evidently, but I am fine with that as it allowed me to get preferred rates. I would recommend Haven to a friend. If the communication would have been more proactive and the process a little less lengthy (it was about 3 months start to finish), I would rate them 5 stars
–RJ III
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