Haven Life

Its streamlined online experience, responsive customer service, and low rates make Haven Life an attractive life insurance option.

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InsuranceRanked Score 4.45
Year Founded 2015
Medical Exam Required? In Some Cases

Haven Life 2023 Review

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Haven Life Insurance Agency Review – Pros, Cons and Coverage

Its streamlined online experience, responsive customer service, and low rates make Haven Life an attractive life insurance option.

Haven Life, backed by MassMutual, is a popular life insurance agency for families in the US. If you are looking for term insurance with an online application, Haven Life may be a great option.

We really love how easy Haven Life makes it to apply and buy coverage. In this guide, we will cover everything you need to know about buying term life insurance, how to choose a policy and more.

How Does Haven Life Work?

Haven Life is an insurance agency owned and backed by MassMutual, which has A.M. Best’s highest financial stability rating of A++*. The Haven Term policy is a fully medically underwritten term life insurance policy.

Term life policies help to replace one’s financial contributions in case of death. They are an estate planning tool that can help ensure the care and well-being of your family.

Haven Life is geared toward healthy individuals between the ages of 18 and 64. They offer term life policies for 10, 15, 20, or 30-year terms.

Haven Life also offers InstantTerm, an innovative process that lets some qualified applicants (U.S. citizens up to age 59) finalize coverage without the need for a medical exam. Keep in mind: issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.

Both U.S. citizens and U.S. residents with valid statuses may apply for a Haven Term policy, however non citizens will be limited to $1 million maximum coverage.


  • No coverage for active members of the military
  • Cannot replace an existing life insurance policy

Haven Life offers the Accelerated Death Benefit rider, which pays out a portion of the policy early in case of a diagnosed terminal illness.

They also offer Haven Life Plus, a rider that provides policyholders with access to additional benefits like a digital will and online vault at no additional charge.

Where is Haven Life Available?

The Haven Term policy is available in all 50 states plus Washington D.C., and because it the process is online, you can apply for coverage 24 hours per day, 365 days per year.

How Much Does Haven Life Cost?

Because Haven Life doesn’t pay commissions to agents, the cost of a Haven Term policy is competitive compared to traditional term life insurance offerings.

As an example, according to the Haven Life website, a healthy 35-year-old male can buy $500,000 in coverage with a 20-year term for $21/month.

You can quickly get a free quote at havenlife.com and find out how much your coverage would cost you.

Medical Exam

Most Haven Term applicants will have to take a life insurance medical exam. The life insurance medical exam is a standard part of the application process, can be completed by a paramed at your home or work, and typically takes around 20 minutes. In other words, it’s pretty painless.

A life insurance medical exam usually involves:

  • Review of your family medical history
  • Measuring height and weight
  • Blood pressure check
  • Pulse and heart rate
  • Submitting a blood or urine sample

Some tips for good results are to schedule the appointment early in the morning, avoid coffee, and drink a lot of water beforehand. Fast eight to twelve hours before and don’t do strenuous exercise before the exam. People also want to avoid too much sodium and sugar.

Since so much is riding on this exam, we thought you might want to know what the examiner is looking for.

What Is Included In the Haven Term Policy?

Haven Life only offers fully medically underwritten term life insurance with terms of 10, 15, 20, or 30 years.

Coverage Amount Eligibility

  • U.S. citizens under 60 are eligible for up to $3m in coverage
  • Non-U.S. citizens ages 18-64 and U.S citizens ages 60-64 can apply for up to $1m in coverage


  • Haven Life Plus is an optional no-cost rider that gives policyholders access to additional benefits to help them live healthier, fuller and more protected lives.
    • MinuteClinic - found at CVS Pharmacy and Target stores
      • Provides family health services without an appointment
      • Policyholders get a 15% discount on any MinuteClinic service
    • Trust & Will - online tool for creating a legal will
      • Policyholders can create an individual or couples will at no cost ($129 value)
    • LifeSite - secure site for storing and sharing important family documents
      • Policyholder gets a LifeSite Plus subscription ($80/year value)
  • Accelerated death benefit
    • Included in the cost of the Haven Term premium
    • Allows up to 75% of the death benefit to be withdrawn early in the event that the policyholder is diagnosed with a terminal illness
    • Withdrawn amount plus interest and an acceleration fee of no more than $250 is subtracted from the final death benefit
  • Waiver of Premium
    • Available at an additional cost (higher monthly premiums)
    • Keeps your policy active even if you can’t pay for a period of time due to a qualifying disability
    • Covers you either for 12 months while you can’t pay or up to a certain age
    • 6-month waiting period after you buy the policy

Haven Life Features

  • Founded in 2015
  • Owned and backed by MassMutual
  • MassMutual has over 160 years of industry experience
  • Accelerated online underwriting
  • Innovative haven Life Plus rider
  • Partners with ExamOne for online exam scheduling
  • Policies have level premiums
  • Accelerated death benefit rider
  • Fast and responsive customer service

Pros and Cons of Haven Life

Here are some pros and cons we found when choosing Haven Life.


  • Backed by financially strong insurer, MassMutual
  • Competitive rates
  • Online account management
  • Update beneficiaries or change address online
  • Many ways to reach customer service
  • Unique and useful Haven Life Plus rider
  • Accelerated death benefit included at no cost
  • Easy to schedule exams and see exam results
  • Some applicants don’t need exams (InstantTerm)


  • Can only pay monthly (no annual or biannual option)
  • Many applicants require a medical exam
  • No whole life insurance conversion option
  • Their website only allows one “Haven Life” page open at a time
  • Final rate is not always the same as the initial quote

Haven Life Customer Reviews

Haven Life is owned and backed by MassMutual, an A++ A.M. Best rated insurance company. It meets the highest standard for financial outlook and stability.

On Trustpilot.com, a customer review site, Haven Life has 1004 reviews and 96% of customers rated them Excellent or Great. We should note that Haven Life actively collects reviews from customers.

Nevertheless, customers raved about the almost entirely digital experience.

_Haven Life insurance was the best I could have ever gotten. I did my application online and the next day got an email to do my medical exam at ExamOne Lab.They were very quick and always kept in touch with me via email to see how I was doing with the process. Everything was done as soon as I expected and I got the best rate as compared to other life insurance companies.I will recommend this insurance to anyone who need life insurance. Am 34 yrs old bought a $500,000 life policy and pay $34 monthly for 30yrs policy. _- Ethy

For many, particularly the young and healthy, the process was seamless.

How to Apply with Haven Life

Applying for a Haven Term policy is easy.

  1. Go to www.havenlife.com
  2. Customers can use the Quick Estimate and Needs Calculator first to see how much coverage they should buy.
  3. Click “Get Your Rate” to see your start your application.
  4. Answer roughly 40 short, conversational questions to submit your application. Haven Life checks the information you provide on your application against information from third-party vendors. These may include the DMV, SSA, and Medical Information Bureau.
  5. Get an immediate decision on eligibility. You will either need to take a standard life insurance medical exam to finalize your price or you may qualify for InstantTerm. InstantTerm is an innovative process that lets qualified applicants (U.S. citizens up to age 59) finalize coverage without the need for a medical exam. Keep in mind: issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.

Choosing a Coverage Amount

You might consider the costs of replacing your income after tax, health care of a spouse, outstanding doubts, children’s education and child care, and funeral and other final expenses.

Temporary Coverage

Some customers who are required to take a medical exam might be able to get temporary coverage while they wait.

They will pay a monthly premium on up to $1,000,000 in coverage as if they were approved until they complete their life insurance medical exam. If they are approved, then that monthly premium will be paid toward the first full month of their policy.

If approved for temporary coverage, that individual has 90 days in which to take the medical exam. If they weren’t approved for temporary coverage, than the applicant has up to 30 days to complete their medical exam.

If an application is rejected or canceled, applicants will receive a full refund. You should allow 7-10 business days to receive the refund.

Free Look Cancellation Policy

After purchasing a policy, customers have a “free look” period of 10 days (20 days in California) to decide if Haven Term coverage is right for them. If they wish to cancel during this period, the policyholder would receive a full refund.

How to File an Insurance Claim with Haven Life

To report a claim, contact Haven Life customer support at 1-855-744-2836 (M-F 9 am to 6 pm ET).

The beneficiary or someone close to him or her can make the initial call.

They should have the following information on hand:

  1. Policy number
  2. Policyholder’s date of death
  3. Beneficiary’s Social Security Number
  4. Death certificate of the policyholder

The claims department will send out relevant claim forms and documents for the beneficiary or beneficiaries to complete and send back.

Contestability Period

Insurance companies can review policies within the first two years (24 months) after purchase to make sure all the information is accurate. If a claim is filed within this time, it may be investigated more thoroughly.

Applicants must give correct information about their medical issues, lifestyle and hobbies, occupation, and more when they apply.

How to Contact Haven Life

Address: 60 Madison Ave, 7th Floor New York, NY 10010 Customer service: 1 (855) 744-2836 Hours: Monday through Friday, 9 am - 6pm EST Email: [email protected] Twitter: @HavenLifeInsure Facebook: www.facebook.com/havenlifeinsurance Live chat: Go to www.havenlife.com and click Livechat at the bottom of the screen.

Does Haven Life Offer Other Kinds of Insurance?

No, Haven Life only offers fully underwritten term life insurance issued by MassMutual.


Haven Life makes shopping for life insurance practically painless. A streamlined experience, a simple application and friendly customer support without even a hint of pressure or upselling.

Haven Life isn’t for everybody. Anyone older than age 64 or looking for whole life coverage need not apply.

Convenience is a big factor with Haven Life. We love the online account management options — no more waiting on the phone for hours. Customers can change their address or beneficiaries right from their My Account page.

It’s hard to see a downside to this agency if you can get approved. We think Haven Life is off to an excellent start of making even more customers happy.

Frequently Asked Questions

Who is Haven Life backed by?

Haven Life Insurance Agency is owned and backed by MassMutual, a life insurance carrier with over 160 years of industry experience. It has an A.M. Best financial stability rating of A++.

What if I miss a payment?

You have a 31-day “grace period” after your due date in which you can make a payment and not incur any charges or loss of coverage.

Can I change my beneficiary online?

Yes! You can make changes by logging in to your My Account page. Follow the prompts to make the necessary changes.

How long does it take to apply?

It takes most customers about 25 minutes to complete the application. You can use Live Chat or call the customer support team at 1-855-744-2836 if you need assistance.

How long will it take after my medical exam for a decision?

It usually takes about 7-10 days after your medical exam to receive an offer.

The medical exam results are viewable. Your medical examiner will give you a barcode. Use the barcode to register at www.MyExamOne.com/results. You will be notified by email when the results of the medical exam are ready.

*MassMutual and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of April15, 2019 and is subject to change. MassMutual has received other ratings from different rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus Rider which is included as part of the Haven Term policy. 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).

Haven Term is a Term Life Insurance Policy (ICC17DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 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. In NY, Haven Term is DTC-NY 1017. Our Agency license number in California is OK71922 and in Arkansas, 100139527.

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