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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!’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

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

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

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

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

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.

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Adam Weinberg

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 Weinberg

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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