Haven Term

An ideal blend of value, benefits and peace of mind

If you’re looking for a term life insurance product that’s convenient to purchase, easy on the budget and accompanied by extra features that actually make your life less hard, Haven Term is for you.

The Haven Term buying experience includes an online application with questions about your health and lifestyle and, potentially, an offline medical exam to determine eligibility. If approved, you’ll be able to get a great policy (the kind that’s issued by a leading insurer) at a great price.

Check your price

A tiny astronaut floats around a full moon in a clear, starry sky. Below, a mother leans against a giant yellow pillow while nursing her baby and hugging her toddler.

Haven Term at a glance

Product type	Medically underwritten term life insurance
Issued by	MassMutual or C.M. Life.
Application	Digital
Medical exam	Likely, but not in all cases
Availability	Nationwide
Age eligibility	Up to 64
Coverage amounts	Up to $3 million*
Available terms	10, 15, 20, 25 and 30 years
Payout	Tax-free lump sum
Haven Life Plus	Included in all states except FL, NY, ND, SD, and WA
Additional features	Level premiums Accelerated death benefit Paperless processing No Obligation Free Look Period

Footnote: *Coverage amount and term length purchased is subject to age eligibility. Pricing differences will vary based on state of residence, ages, health status, coverage amount and term length. 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

Protection at a price that makes sense

A $250,000, 20-year Haven Term policy starts at just $14.99 per month³

The average American adult spends $92 every month on coffee.⁴

Disposable coffee cups with tops and sleeves

A new parent will buy around $70 worth of diapers per month.⁵

If you subscribed to three popular video streaming services, it would cost about $37 a month.⁶

You know what’s a cool thing to do while binge-watching a show?

Check your price

A woman runs while listening to music. A rabbit races alongside her.

Enjoy your life insurance ... while you're living

Haven Life Plus allows eligible policyholders to access up to $700/year worth of no-cost benefits, like a digital will and an annual fitness app membership.

Learn more

Haven Life Plus is a rider and not available in Florida, New York, North Dakota, South Dakota and Washington.

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

Check your price

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. Take a medical exam, if needed

While you might qualify to start coverage instantly, most Haven Term applicants will need to take a short life insurance medical exam. This step can be completed at a time and place (even your home) of your choosing.

4. Receive your final rate and start coverage

Don’t forget to celebrate. Maybe with some confetti.

5. Enjoy Haven Life Plus

Remember to check out the no-cost benefits that automatically come with your new policy.

If you don't want to take a medical exam, you have options

Many (but not all) Haven Term applicants need to take a medical exam to finalize their coverage. If you don’t want to take an exam, then Haven Simple might be a better option.

Haven Simple is available in coverage amounts up to $1 million and never requires a medical exam. A life insurance premium for Haven Simple may be more expensive than the Haven Term policy, but it’s a good option for those who do not want to take an exam.

Learn about Haven Simple

Issuing the policy or paying its benefits depends on the applicant’s insurability, based on their answers to the health questions in the application, and their truthfulness