Haven Life Insurance Agency, LLC is a life insurance startup that created an easy and affordable option for buying term life insurance (issued by MassMutual) online. Driven by a mission to make life less hard, Haven Life is transforming the typically time-consuming and confusing process of applying for life insurance into one that's easier, faster and just plain better. Haven Life is backed and wholly owned by MassMutual, a trusted life insurer with more than 160-years experience.
**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 April 1, 2018 and is subject to change. MassMutual has received other ratings from different rating agencies.]
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Applied online and it was very simple and easy process, needed a physical because of the amount of coverage I requested. Nurse came to my office, she and I completed everything that was needed and in a few days my results were in and I paid my first premium and my coverage started. I picked this company because I needed coverage outside of my employer, so if I decided to leave and work for someone else I did not have to start over and if I decided to retire I would still have coverage. Very satisfied and happy I choose Haven Life Insurance company.
I was in the market for life insurance, and I was prioritizing swiftness and convenience. Haven Life was more than able in this regard, providing a policy in minutes at a fair reasonable price that was very competitive with others per Policy Genius.
The best thing about this experience was that I didn't have to talk to anyone on the phone. I did everything online. There was a small snag with verifying my identity because I spelled out my address completely instead of the way it was printed on my driver's license, but customer support was very helpful in getting it resolved, all through chat and email. Once my identity was verified, I was approved instantly without a health exam because I've been lucky enough to be reasonably healthy throughout my life. The monthly premium is affordable and I now have peace of mind for my family. I would definitely recommend this company.
Shopped around looking for life insurance. Found Haven Life to offer the best rate compared to others I've looked at. Haven Life's online application process is easy and the outcome was fast. And the rate I got is the best I've seen even with the additional rider. Their customer service responds very quickly and answered all my questions. I would absolutely recommend this company to anyone I know that is looking for life insurance.
Loved the simplicity of the entire process. I could understand everything in front of me and I love the ease of use of technology. Great experience. I highly recommend to anyone to use Haven’s insurance because it’s easier to use it is self-explanatory and ultimately it takes away every stress possible from applying for insurance.
Applying with Haven Life was a simple process. At age 65, I didn't think it was possible to qualify for affordable life insurance. I was wrong. I qualified for $100,000 for $56/month! I did have to take an exam but that is understandable. Now I can rest easy knowing my family will be taken care of if something happens to me. Thank you Haven Life.
I was very pleased with the overall experience that I had securing life insurance for myself. The online website was very helpful and guided me to the proper items that I needed to address. I also had a very good experience with the nurse that came to my home to administer the physical exam. She was promptly on time, very courteous and respectful, and made me feel very comfortable. Overall, it was a very good experience.
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Haven Life is advertised as a company that offers quick painless competitive online quotes. My experience: 6+ week process, medical exam, 25+ email and text requesting more information/asking more questions that were already answered in the application process. Receiving texts asking the same questions over and over again. My first quote of $165 jumped to $185 then $210 then $285 during a time that they had all of my information and no changes occurred. Truly disappointed with the disorganized communication and processing. Feeling suspicious that I fell for a Bait and Switch dishonest sales tactic.
Thank you for taking the time to provide feedback. We take it very seriously and are reviewing your application experience so we can provide better service moving forward. Our customer relations team will also be reaching out to you directly.
The purpose of the application process for medically underwritten term life insurance is to collect relevant information on coverage eligibility. Having all relevant information allows the MassMutual underwriting team to make an accurate decision on coverage. At times, the information provided in the application materials alone is not quite enough for a confident decision to be based upon. In such situations, the underwriting team will reach out to the applicant via email with clarifying questions. We'll follow up with a reminder email every few days until the pending questions are answered, to ensure the application process keeps moving. We regret any inconvenience.
Based on information that comes to light during the underwriting process, the estimated cost for coverage is subject to change, depending on the specifics. Our mission is to make life less hard, and we're sorry to have lost your confidence in us.
If you have any additional feedback, we invite you to contact us directly at email@example.com.
My spouse and I researched several insurance providers before selecting Haven Life. Haven Life had a top rating and offered what we needed. The process was easy and we ended up with a good deal. I appreciated the great customer service from beginning until our application was completed.
Haven Life made the process of applying for and purchasing life insurance so simple! I might have spent five minutes on the entire process from start to finish. The monthly premium amount is also substantially lower than other companies I had priced. This was a win on all fronts.
I wasn't immediately approved but during the wait they were very informative. They stayed in contact at intervals letting know why more information was needed, an approximate time in which I would have a response and an apology for the wait (separate emails). I was very impressed.
The whole process was easy. I applied online, nurse came over to do medical part and then few days later I got approved for the rate I applied for. Just awesome. I can only speak of the process since I’m new.
I found the entire process of buying life insurance through Haven Life very easy and affordable. The online portion only took a few minutes and the medical examiner came to my house, which made it very convenient. Also, the monthly payment was exactly what I was quoted, which I appreciate.
Straightforward questioning and no nonsense. Great to see I didn’t need a health exam to qualify. My wife required a health exam and that was quick and easy. Very pleased with the service! I will recommend to everyone who needs life insurance.
I will start by saying that the process of the application and medical exam are not as simple as Haven Life portrays it to be. It took almost 3 weeks until I was ultimately denied coverage. My medical screening came back perfect, I was told reason for denial was 10+ year old misdemeanor traffic violation(s). Therefore they wasted my time with the medical exam. Understand that the information that you must provide for this application is very in depth, it concerns me that I provided them with such sensitive information only to be denied coverage. If you are not in perfect health and your past is not squeaky clean this company probably will not approve your application.
I was skeptical at first because I thought the process could not be this fast and easy. It was!! This has been the easiest, painless and quickest process in purchasing Life Insurance. All of my questions were answered quickly and in a very pleasant manner. I highly recommend Haven Life!
It was a easy process. They sent me to a place to get like an insurance physical that was a easy process. It didn’t take much time out my day. Got my result in like 2 days. I would highly recommend them. Premium are cheap also. I know this is a highly recognized company.
I was pleased with the whole process, it was simple, straightforward and there was no pressure to purchase more life insurance. After receiving my results I was able to see my terms, cost and select what was best. The process was transparent and user-friendly.
I was very pleased to purchase additional life insurance at a fair price. The follow-up process for the physical and blood work was prompt, easy and NOT time-consuming. I also appreciated how the online process was easy to follow and included options in my coverage for me to select.
My experience with Haven Life customer service has been very positive. Paya provides excellent customer service and very thoughtful and caring. She is professional and wonderful. Also, Luis from customer service is excellent and very responsive also. Overall, I am very satisfied with Haven Life. Thank you!
The process was so smooth, intuitive and fast that I, for a moment got confused if the final offer was an estimate or the real offer. Just amazing!! The system electronically verified financial and medical fitness in real time and issued an acceptance. This is how insurance should be.
The quoting process was very easy and I was pleased with the underwriting results in that the quote matched the policy premium exactly. I gave the experience four stars instead of five because the whole process took a little longer than I feel like it should have taken.
I saw and add about Haven Life and I filled out a quick online questionnaire. Within minutes I had a new life insurance policy. I was amazed at the price which was nearly half of what I was paying for another policy. I also liked the interaction I had with the portal which was very pleasant. I highly recommend this service. I am also glad that it is part of Mass Mutual which is a great company.
Great rate for a term life policy provided by MassMutual. Better than agents were quoting for MassMutual policies. Process was easy. Medical is needed for 45+, but is only a 20 minute at home process. After approval provided, you can adjust your term and amount and see price changes instantly before you decide.
The online process application was very convenient. For the medical exam, it was easy as you can have it done in your own home and you can check your lab results online. Communication with Paya was always prompt and she helped to resolve all my concerns. Thank you Haven Life!
The online application process is well designed and the medical exam was convenient and straightforward. Haven Life gave me a great rate and it's good that the policy is really through Mass Mutual. Heads up: They only offer monthly payment options via a ACH bank account (at this time 6/2018). This was not completely clear to me at the start. A yearly payment option and a credit card option would be appreciated.
First, Haven Life is expensive. Second, Haven Life is a new company with not very strong finance compared to large insurance companies. That means it might not exist after 30 years. Third, Haven Life advertises that it does not require a medical exam. But, that is not true. After spending almost one hour on the application, you will meet the statement that you need to have a medical exam. Haven Life will lie anything to make people to apply. Haven Life does not care whether you wasted your valuable time or not. All Haven Life cares is to make you apply.
We're sorry you weren't pleased with your experience. We've worked hard to streamline the application and approval process for many people but are aware that it can be time intensive for some. By nature, medically underwritten term life insurance is more detailed because it requires information about your lifestyle and health history. For many, this keeps pricing more affordable since the insurer isn't making any assumptions about your health.
To clarify the stability of the policy, Haven Life is backed and wholly owned by MassMutual, which has 167 years of experience in the insurance industry and has an A++ rating from A.M. Best, denoting superior financial strength. Every policy secured through Haven Life is issued by MassMutual.
Regarding a medical exam, we can offer a no-exam process for qualified applicants up to age 45 who are applying for up to $1M of coverage, provided we have enough information to make a decision from the application materials and other data we gather. If there is a detailed medical or prescription history, or if there is very little information to go on, we will require a medical exam to be taken. We strive to make it clear in our advertising that a medical exam may be required, and we are sorry to hear you feel this was not communicated to you.
Thank you for sharing your feedback, Steve. If you have further questions or concerns, please contact us at firstname.lastname@example.org and we will be glad to help.Best,
Alex, Haven Life Customer Support
Simple and easy to follow and understand process made the application like a breeze. Very impressed with the efficiency and clarity of material. The whole process is so self explanatory, never need any live personal help. Would highly recommend anyone for life insurance policies.
Good communication, my issue is it took 5 months to get an answer and it would have been longer if I did not contact them. I was in absolutely no rush but contacted them being curious. Good rate, happy deal with them.
The entire process was fast and easy, including the medical exam. I applied online and within a few days I completed the medical exam in the comfort of my home. I would definitely recommend Haven Life to my family and friends. I am so glad that I chose Haven Life.
I have been through life insurance applications with 2 other companies and they didn’t work out for one reason or another. Applying to Haven Life was the easiest by far!! They even had specialists follow up with me via email to check in and provide a personal contact in the case that I needed one to get through the process.
Navigating the website and applying online was very easy and simple. Live chat stands by to help with any issues and is friendly and helpful. There was an issue with getting the policy I wanted but after I explained my situation, the issue was resolved and I obtained exactly what I wanted - I could not be happier!!! The whole process has been the easiest I have ever been involved with - I am a very satisfied customer and will recommend this company and this online application to everyone I know!
Haven Life Company Information
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- Haven Life
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- United States