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Haven Life
Haven Life
Overall Satisfaction Rating
4.42/5
  • 5 stars
    28
  • 4 stars
    4
  • 3 stars
    0
  • 2 stars
    1
  • 1 stars
    3
Based on 36 ratings submitted in the last year
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Haven Life

ConsumerAffairs Accredited Brand

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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A+BBB Rating
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49 Haven Life Consumer Reviews and Complaints

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Rated with 1 star
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Verified Reviewer
Original review: Dec. 7, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 1, 2018

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!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 1, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 25, 2018

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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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 17, 2018

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.

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Oct. 17, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 28, 2018

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.

2 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: July 19, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 11, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: July 4, 2018

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!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 29, 2018

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.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 23, 2018

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.

Haven Life response

Hi Steve,

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 help@havenlife.com and we will be glad to help.

Best,

Alex, Haven Life Customer Support

2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 22, 2018

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.

2 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: April 19, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 17, 2018

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.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 15, 2018

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.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 11, 2018

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!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 11, 2018

It was very easy to navigate Haven Life’s online application process. I loved being able to do everything from the privacy of my own home when it was most convenient for me. Their rates are competitive and entire process was quick and easy.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 11, 2018

Haven Life made the process very easy. Their online application and communication with me throughout the process was convenient. I was required to do a health exam but that was scheduled quickly and a nurse came to my home which made it easy.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 11, 2018

I was looking for a modern approach to life insurance and I found it! All the forms are online and easy to use. The support team was easy to reach when I had a question. The entire process was super simple and straightforward. Highly recommended!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 5, 2018

Want answers fast? Polite representatives that deliver on their promises. When I needed help with my medical exam, Paya said she would be looking out for it and she did! Didn’t have to take to twice. Haven Life Insurance was prompt, courteous, and diligent in the whole process of getting a new policy. They are modern and EASY! Loved the whole process!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 5, 2018

I looked up Haven Life after attempting to sign up with another company that had horrible customer service. The online application was simple and easy followed by the medical exam. The process was quick and painless. My husband and I were approved in about a week (maybe less). Would absolutely recommend Haven Life to all and their families???

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 4, 2018

Haven Life worked with me to get underwriting, even though my doctor's office closed in the last year and provided a way to upload medical records securely. Everything was handled professionally and quickly. The new policy was issued in less about 30 days.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 4, 2018

Exam was fast and results were immediate. Great Doctor relationship and policy was easy to navigate. Customer service was also within reach and they answered the most challenging questions that I had in mind for them. I will recommend families to patronize them.

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Rated with 1 star
Verified Reviewer
Original review: March 29, 2018

I was trying to get life insurance with this company and they had me filled out all these question and all this work and even came to my house and took blood. And a complete waste of time and patient be aware this company isnt clear at all because I stated from the start that I was diabetic and after all the trouble and the test and answering question I didnt get accepted without any explaining or consideration whatsoever from either the tech that came to my house or the company itself. Do not try this company. Not trustworthy or honest or clear on anything they do. Stay away and be aware.

Haven Life response

Hi Raymond,

Thank you for your feedback, and apologies that we were unable to offer a policy. We do our best to convey decisions as soon as possible, but in some situations, it is challenging for the underwriting team to make a decision on the application information alone. The underwriting team may then need to review current medical information in the form of lab results in order to ensure the decision they make takes into account all pertinent information. It is not the intention of the underwriters to decline coverage, but sometimes coverage cannot be offered with the current MassMutual underwriting guidelines. We do apologize for the disappointment regarding the time you were waiting for a decision, and we are working on extending the variety of coverage options in the near future.

Thank you again for your feedback, and if you have any other suggestions, please feel free to email us at help@havenlife.com.

Alex, Haven Life Customer Support

4 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 22, 2018

When I started looking at adding a term life policy there were a lot of options. I chose Haven Life because of its association with Mass Mutual. The online application was simple. I called for clarification of a item, the customer service rep was very prompt with a reply. The only shortfall was the physical. Read more at the end. After the physical, the turn around time for my approval was just over a week. I was approved at the original quoted price. Be honest on your application questionnaire for similar results.

Their testing company (3rd party) scheduled me for a in lab physical. Once I got there they told me they couldn't do it. Not a happy camper (I had fasted and scheduled off from work). I recontacted their testing company and rescheduled a in home physical. The technician called to say she was running late, which I appreciated. Her estimated time of 1/2 hour turned into an hour. It's all over and the results were good, I just wish it had gone smoother.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 1, 2018

I am a shop before I buy 60 year old man. I research reviews, value, quality and ease of acquiring my term life insurance purchase. Haven Life had the lowest quoted price on the internet, and a breeze to apply online. I quickly got email replies, then set up a health exam to my house like clockwork. Here's the best part, my checkup was so good, they lowered my quoted rate per month. I was quoted twice as much with other well known companies, even AARP sponsored insurer. I don't work for any insurance companies nor am I paid to review Haven Life, but I'm Happy and it's all for my Wife.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 21, 2018

Hi, I compared Haven/Mass Mutual with two other life insurance companies and found they had the best rate by a significant margin. I asked a bunch of pesky questions and was always given a prompt response. I also like their paperless system, which streamlines the process and reduces waste. I strongly recommend Haven Life for anyone looking for term life insurance.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 21, 2018

It was super easy from start to finish. Great for people who like to do most things online. Great for people who busy and don't have time to be on the phone. I would recommend for anyone who is internet savvy because everything except the medical exam is done online.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 1, 2018

Very quick and easy process. Blood work was easy to schedule and quote was available shortly after. Enjoyed the online application and process. It was nice not having a pushy salesperson, but instead given the information for you to make a decision yourself. I would recommend this to anyone.

2 people found this review helpful
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Haven Life Company Information

Social media:
Company Name:
Haven Life
Year Founded:
2015
City:
New York
State/Province:
NY
Country:
United States
Phone:
855-744-2836
Website:
havenlife.com
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