Haven Simple

A 100% digital buying experience for those who want coverage without a medical exam

Some people have this perception that buying for life insurance is going to be a hassle. When in reality, it can actually be, well, fairly simple.

Haven Simple is a type of term life insurance policy that never requires a medical exam. You can apply online and, if approved, start coverage immediately. Seriously, you could do the whole thing over lunch.

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It’s important to be honest in the application process. The issuance of the policy or payment of benefits may depend upon the truthfulness of answers you give in the application.

A mother paints the walls of her new house while her two young kids play inside a moving box.

It’s important to be honest in the application process. The issuance of the policy or payment of benefits may depend upon the truthfulness of answers you give in the application.

Haven Simple at a glance

Product type	Simplified issue term life insurance
Issued by	C.M. Life Insurance Company (a subsidiary of MassMutual)
Application	Digital
Medical exam	No
Availability	Not available to residents of DE, SD, ND or NY
Age Eligibility	20 - 55
Coverage amounts	From $25,000 to $1,000,000*
Available terms	5, 10, 15 and 20 years
Payout	Tax-free lump sum
Additional features	Level Premiums Accelerated death Benefit Paperless Processing No obligation Free-look period Credit card payments accepted

Footnote: *Coverage amount and term length purchased is subject to age eligibility Return to table

A young girl wearing a yellow sundress and blue rain boots jumps into a giant rain puddle. A yellow umbrella is in the foreground.

Every Haven Term policy is issued by MassMutual, one of the country’s oldest insurers, or its subsidiary, C.M. Life.

A++ A.M. Best rating for financial strength and claims-paying ability ¹

$6.2 billion combined insurance and annuity benefits paid in 2020 ²

Join the thousands of customers who love Haven Life

Our promise to you

You buy life insurance so your loved ones will be cared for financially if something were to happen to you. That’s a big responsibility and one we take very seriously. It’s why we work hard with our parent company, MassMutual, to develop dependable products and strive to build meaningful connections with our customers that go far beyond the traditional agency-to-policyholder relationship.

We promise to provide dependable coverage backed by an industry leader

We promise to treat you like more than just a policy number

We promise to never stop learning and looking for ways to improve

We promise to provide you with support that’s knowledgeable, caring and friendly

We promise to try to make this insurance thing something you can enjoy

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A white and black hand make a pinky promise.

Your next steps

Hand holding a smartphone with an image that reads 'Cue the confetti, you’re covered.' Colorful confetti rains down around the phone.

Your next steps

1. Get a quote

If you haven’t done so already, this is a great way to get an idea of how much coverage will cost (spoiler alert: it’s probably more affordable than you think)

Check your price

2. Apply Online

Our digital application is streamlined, simple and some would even say enjoyable. If approved, coverage can begin immediately.

3. Start your coverage

That’s it. You’re done. Just don’t forget to celebrate. Maybe with some confetti.

Selecting the policy that’s right for you

At Haven Life, we want you to feel good about your life insurance coverage, which means helping you choose a policy that fits your needs and your budget. Generally, with life insurance, you can save money on premiums by taking a medical exam. If you don’t mind the idea of completing a brief medical exam at your home (or a location of your choosing) to finalize coverage, Haven Term might be worth considering.

The Haven Term policy also comes with Haven Life Plus, a rider that gives you access to additional benefits like a no-cost digital will.

Learn about Haven Term