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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. And we’ve maintained that high rating as we’ve scaled up — we just crossed a major milestone, with our 1,000th TrustPilot review. (We hope some confetti and balloons fell on the reviewer somewhere.)

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.

“The whole process was seamless and easy. The rates are fair, and the people at Haven Life seem to genuinely care about their customers."

—Mark, November 17, 2021

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 or its subsidiary, C.M. Life. 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 you can count on.

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 $25 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)

Life insurance isn’t one size fits all. That’s why Haven Life offers multiple term life insurance products so you can choose the one that best meets your needs. Whether you’re looking for a 100% online buying experience that doesn’t require a medical exam or you want a combination of coverage options and value-added features (like a no-cost digital will and fitness app), Haven Life can help you find peace of mind.

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 very easy and pain free. Excellent customer service as well! Glad I went with Haven Life.”

—Lemmy, May 26, 2021

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.

“Haven Life is great. I had some issues scheduling the medical exam, but other than that, I’m very pleased with my experience.”

—Ekow, June 5, 2019

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.

Haven Life: Life insurance that’s actually simple

Life insurance is more affordable than you think

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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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