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Getting a quote is a great first step to buying life insurance. We can help.

Haven Life is right for (almost) everyone

To apply for a policy you must be:

Living in the United States
Not active military or in the process of enlisting
Not intending to use the policy for business purposes
Not planning to use the policy to replace another policy

Where do you live?

State

You are a

Man

Woman

When is your date of birth?

Date of birth

Do you use tobacco, e-cigarettes, or other nicotine-containing products?

Yes

What would you rate your health?

Haven Life health classes

Excellent: Healthy weight; Normal cholesterol and blood pressure; No medical conditions

Good: Normal weight; May need medication for normal cholesterol or blood pressure; Minor pre-existing medical conditions

Fair: Overweight; High cholesterol or blood pressure; Some pre-existing medical conditions

Excellent

Good

Fair

What amount of coverage are you looking for?

A good rule of thumb is selecting a coverage amount that is 5–10 times your annual salary. Your qualified minimum and maximum coverage amount may change depending on the term length you select.

$ Face amount

The maximum allowable coverage for you is $3,000,000

How long do you want your coverage for?

Consider selecting a term length that would last until your mortgage has matured or your kids have graduated college.

10 years

15 years

20 years

25 years

30 years

Your estimated rate is $0.00/mo!

Start your Haven Term application today for peace of mind.

Based on a $0, 0-year policy

Haven Term may require a medical exam to finalize coverage. Eligible Haven Term policyholders will get access to Haven Life Plus, a rider with extra features (like a digital will and fitness app) at no cost.

Needs calculator

What is your annual income?

Who is in your family?

Me and my kids (Also select if you plan to have a kid in 2-3 years)

Me and my partner

Me, my kids, and my partner (Also select if you plan to have a kid in 2-3 years)

How old is your partner?

Is your partner employed full time?

Yes

How many kids do you have, or plan to have in 2-3 years?

How much is your total debt?

Types of debt include mortgages, credit cards, personal loans and student loans.

Calculator Results

Based on your answers, you probably don’t need life insurance at this time.

Have more questions?

How long will it take from start to policy issue?

Haven Life’s sophisticated technology analyzes various data including the health information provided in the application and additional external data you authorized us to collect to deliver a decision in minutes and let you know which process you qualify for. There are two main process options:

Option One: If you qualify for the InstantTerm process (currently offered to some qualified, healthy life insurance applicants up to age 59 and up to $1,000,000 in coverage), you will not be required to take a medical exam and full coverage can begin immediately. Although no medical exam may be required, please keep in mind that issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness of those answers.

Option Two: Based on your answers to questions in the application, you may be required to take a medical exam in order to finalize a decision. The exam typically takes less than 20 minutes and can be conducted at your home or office. Once the labs have processed your results and the underwriters have done a final check, you will usually receive an offer. This can take up to 7–10 days following your medical exam.

If you are declined for a Haven Term policy, we will try to notify you immediately.

Will I need to take a medical exam?

In many cases, a medical exam will be needed to finalize coverage on a medically underwritten term life insurance policy. Often, you can still have temporary life insurance coverage while you wait for the medical exam results and a decision on your application. Once an application is submitted, you’ll be notified of whether or not a medical exam is needed to finalize your coverage.

Our no medical exam, InstantTerm process may be offered to eligible applicants up to age 59 who are applying for $1 million in coverage or less.

Note: it’s very important to be honest when completing the application. The issuance of the policy or payment of benefits depends on the applicant’s insurability, based on their answers to health questions in the application and their truthfulness.

Will my rate change at any time during the application process?

Sometimes, when medical results and other records are put together, the underwriters determine that someone belongs in a different rate class than the one first applied for. This will either raise or lower premiums (your monthly rate) accordingly. Once your policy is issued, your rate will stay the same until the end of your policy’s term. If you would like an explanation behind changes in your premiums, please contact help@havenlife.com.

What is included in Haven Plus?

Haven Life Plus is a rider to the Haven Term policy (included in the cost of your policy) that provides policyholders with access to additional benefits that help them live healthily, live fully and live protected.

Learn more about Haven Life Plus

This interactive calculator is a self-help tool for informational purposes and is not intended to provide financial advice or product recommendations. The results generated by this calculator are based upon, and will vary due to, your input and certain assumptions made by us. We encourage you to seek personalized advice from qualified professionals regarding specific personal financial issues.

Actual health rating to be determined based on the answers you provide in your application, along with information obtained during the underwriting process from sources other than the applicant.

For people with a complicated health history or a serious medical condition, monthly rates may be higher than the range shown.

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Haven Term is a Term Life Insurance Policy (DTC 042017 and ICC17DTC in certain states, including NC; DTC NY 1017 in NY and DTC CA 042017 in CA) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. Our Agency license number in California is OK71922 and in Arkansas, 100139527.

Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC). Haven Secure is a Term Life Insurance Policy (ICC20DTR 0420 in certain states, including NC). Both policies are issued by 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 is 100139527.

Haven Term is a Term Life Insurance Policy (ICC21 Haven Term in certain states, including NC) issued by C.M. Life Insurance Company (C.M. Life), Enfield, CT 06082. In New York (DTC-NY) and California (DTC-CA), and in other states it is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.

Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC). It is issued by C.M. Life Insurance Company, Enfield, CT 06082.

Haven Secure is a Term Life Insurance Policy (ICC20DTR 0420 in certain states, including NC). It is issued by 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 is 100139527.

Haven Term is a Term Life Insurance Policy (ICC21 HAVEN TERM in certain states, including NC; HAVEN TERM CA21 in California) issued by C.M. Life Insurance Company (C.M. Life), Enfield, CT 06082. In New York (DTC-NY) and in other states it is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.

Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC). It is issued by C.M. Life Insurance Company, Enfield, CT 06082.

Haven Secure is a Term Life Insurance Policy (ICC20DTR 0420 in certain states, including NC). It is issued by 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 is 100139527.

Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC; HAVEN SIMPLE CA20 in California). It is issued by C.M. Life Insurance Company, Enfield, CT 06082.

Haven Secure is a Term Life Insurance Policy (ICC20DTR 0420 in certain states, including NC). It is issued by C.M. Life Insurance Company, Enfield, CT 06082.

Haven Disability is a Short Term Disability Insurance Policy (ICC20-HLSTDI-POL) 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. Our Agency license number in Arkansas is 100139527.

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 is 100139527.

Haven Life Insurance Agency is committed to making it simple for everyone to financially protect their loved ones. Ensuring our website is accessible to all is of fundamental importance to us, and we have worked with web developers, designers, and consultants to build it with accessibility in mind. Our website is designed in compliance with the Americans with Disabilities Act ("ADA") and other applicable law, and any changes or additions to it will comply with the ADA and other applicable law. If you encounter any accessibility issues with our website, please contact us at help@havenlife.com.

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