Haven Life

Haven Life Reviews

Haven Life Reviews

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating
4.8 out of 5
See all 120 reviews

About Haven Life

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. Haven Life is dedicated to transforming the typically time-consuming and confusing process of applying for life insurance into one that's easier, faster and better. Haven Life is backed and wholly owned by MassMutual, a trusted life insurer with more than 160 years of experience.

Pros & Cons


  • Additional riders
  • InstantTerm approval process
  • MassMutual coverage


  • Only offers term life

Bottom Line

Haven Life sells term life insurance from MassMutual. It offers simple calculators, a quick approval process and extra protection through riders. Though it only offers term life insurance, Haven Life is competitively priced.

Featured Reviews

Lake Stevens, WA

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 hou...

Read full review
Dallas, TX

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 premiu...

Read full review

What is Haven Life?

Haven Life sells term life insurance with up to $3 million in coverage to customers between 18 and 64 years old. It makes shopping for life insurance simple with its Online Life Insurance Calculator, a quote tool with a minimalist interface. Haven Life offers coverage directly from MassMutual Insurance, an insurance provider with almost two centuries of experience. Haven Life's prices are competitive, and InstantTerm approval is available for qualified, healthy applicants under 59 who need $1 million or less in coverage.

Haven Term is a term life insurance policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 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. In CA, Haven Term is DTC-CA. The company's agency license number in California is 71922 and in Arkansas, 100139527.

Haven Life Plus (Plus) is the marketing name for the Plus Rider that 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.

How do I apply for Haven Life insurance?

Haven Life’s application process is simple:

  1. Fill out its online life insurance questionnaire by answering a few questions, then choose the coverage amount and policy length you require.
  2. Once you’ve found coverage and a rate you’re happy with, fill out the 25-minute application to get the most accurate rate. For the application, you need your:
    • Driver’s license
    • Social Security number
  3. Finally, answer questions about your lifestyle, health history and family health history to finish your application.

Upon completion of your application, Haven Life’s tools make an algorithmic approval decision based on your health, age and coverage requested. The healthiest individuals younger than 60 who need $1 million or less in coverage may be eligible for InstantTerm, which means they receive coverage immediately. Those who don’t qualify for InstantTerm may need a medical exam and can opt into temporary coverage for up to 90 days.

What policies are offered by Haven Life?

Haven Life offers term life insurance that lasts for 10, 15, 20 or 30 years, although a 30-year term is only available to customers younger than 50. For customers under 60, every Haven Life term life insurance policy can include coverage up to $3 million, while customers from 60 to 64 can only receive coverage up to $1 million. Customers older than 64 cannot receive any coverage from Haven Life, and the company does not offer whole life insurance to applicants of any age.

Riders available for Haven Life policies

Every Haven Life policy comes with add-ons, called riders, that give the policyholder extra protection.

  • Accelerated death benefit: If a policyholder becomes terminally ill and is diagnosed as having less than 24 months to live, they can use their coverage to pay for medical expenses while they’re still alive. In this instance, Haven Life subtracts the money used for care from the payout.
  • Guaranteed renewability: Every Haven Life policyholder is guaranteed renewed coverage at the end of their term. Prices may increase, but a policyholder never experiences an outright denial.
  • Waiver of premium: If a policyholder becomes disabled and cannot work for longer than six months, they do not have to pay premiums for the duration of the disability. Note that this rider requires an additional monthly fee and is only available for applicants younger than 50 in California, Washington D.C., Delaware, Florida, North Dakota, New York and South Dakota.
  • Haven Life Plus: Haven Life Plus is included in the purchase of any policy. It allows customers to take advantage of additional services and memberships, including an online legal service for creating wills, free access to fitness and jet lag management apps, secure online document storage and 15% off CVS MinuteClinics. Note that Haven Life Plus is not available in New York, Florida, South Dakota, Washington or North Dakota.

How much does Haven Life insurance cost?

Customers can use Haven Life's online insurance calculator to see a basic policy quote within seconds. If the customer wishes to know more, they can receive a precise rate by taking 25 minutes to fill out a detailed questionnaire. Generally, Haven Life insurance policies start at $12 per month and increase depending on the value of the policy, the term length, and your age, health and family medical history.

A healthy, 40-year-old male can expect to pay:

  • $18 a month for a 10-year, $250,000 policy
  • $46 a month for a 20-year, $500,000 policy
  • $118 a month for a 30-year, $750,000 policy

Haven Life determines your actual rates when you complete the application, which may include a medical exam for individuals with a higher risk for poor health. If you are more likely to have health problems, you may have higher rates.

Haven Life FAQ

What is Haven Life Plus?

Haven Life Plus provides additional services for all customers, including:

  • Trust & Will: An online will creation services
  • Aaptiv: An audio-based fitness app
  • Timeshifter: A customized planning service to alleviate jet lag symptoms
  • LifeSite: A secure online vault to store documents
  • MinuteClinic: A 15% discount off any service at a MinuteClinic in CVS or Target

Haven Life Plus is not available in NY, FL, SD, WA or ND.

Does Haven Life require a medical exam?

Unless you qualify for InstantTerm, you typically need to get a medical exam. Haven Life’s medical exams are paid for by the company and typically take about 20 minutes to complete. You can schedule the medical exam at the time and location of your choosing. Haven Life's medical professional reviews your family’s medical history and performs a physical.

Is Haven Life available in my state?

Yes, Haven Life is available nationwide, though Haven Plus services and the waiver of premium rider have state limitations.

What’s the maximum coverage available with Haven Life?

Haven Life bases its maximum available coverage on the applicant's age.

  • Policyholders under 50 can take full advantage of Haven Life’s maximum coverage of $3 million with a 30-year term.
  • Policyholders between 50 and 59 can receive a 20-year, $3 million policy.
  • Policyholders between 60 and 64 can obtain a 20-year policy up to $1 million.
How quickly will my Haven Life insurance application get approved?

Many people receive immediate approval with InstantTerm, but others should expect an approval decision seven to 10 days after completing a medical exam.

Is Haven Life an independent insurance agency?

No, Haven Life exclusively offers life insurance from MassMutual Insurance Company.

Can I buy Haven Life whole life insurance?

No, Haven Life's maximum offering is a 30-year term life insurance policy.

Is Haven Life a good insurance company?

Because of its excellent reputation for customer service, simple application process and competitive pricing, we recommend Haven Life for customers seeking term life insurance. The company offers additional protection with the accelerated death benefit, waiver of premium and guaranteed renewability riders. Customers can also keep their health and legal documents in order with Haven Life Plus. The company also has competitive pricing and easy-to-use calculators, but customers seeking whole life insurance need to look elsewhere.

Haven Life Reviews

Top reviews
  • Top reviews
  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

2 featured reviews
How do I know I can trust these reviews about Haven Life?
  • 4,351,782 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 5
Verified purchase
Customer ServiceCoveragePriceProcess

Reviewed Oct. 17, 2023

I applied for term life through various agencies and Haven has by far been the best choice I've made. The first agency I applied for required a medical exam which was done through CRL and Haven was able to request a copy from the labs so I didn't have to do another exam. This was very convenient. Next, communication with Haven has been great throughout the entire process. The great part, getting approved. The best part, the incredible rates! Thanks to Haven, I was able to get the policy size I wanted and at an affordable rate that won't stress me out. This has been something I've been needing to do for a while since I have a daughter and plan on having more kids. Now I have peace of mind that my family is covered. Not only that, the underwriting process was nice and thorough so no surprises should arise.

Thanks for your vote! Report

Not sure how to choose?

Get buying tips about Life Insurance Companies delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 11, 2023

    I was searching for a term life insurance through the internet and I found a list of insurance companies and Haven was one of the best. Got a quotation right on time and for additional documents they sent me a link to upload it. No medical check up required. The rate was competitive or would say fair enough. All questions were answered by the customer representative thru email. He is responsive in a timely manner. Overall, I am happy with the service. And I recommended Haven Life to one of my friends.

    Thanks for your vote! Report
    Verified purchase
    CoveragePunctuality & Speed

    Reviewed Sept. 12, 2023

    I just recently applied for a life insurance policy, and it was a great experience from start to finish! I’m a dad of 3 kids, and I wanted to add a 30 year policy to ensure they are taken care of if something was to happen to me. I looked at a handful of other companies, but I went with Haven Life because they were highly rated, and they’ve been around a long time. These are both important when making a decision! They were very prompt and kept me up to date where they were in the decision process and if there was anything they needed from me. My experience went so well, that my wife wants to add more coverage for herself. If you are looking for peace of mind for you and your loved ones, this is s great place to start!

    Thanks for your vote! Report
    Verified purchase

    Reviewed Aug. 22, 2023

    Haven Life made buying term life insurance SO easy. I did not even need a medical exam and received a favorable rate. They were the best value among all the quotes I received, particularly as they are A++ rated. Fantastic company! LOVE them. I'm so happy I chose to get insurance from Haven Life.

    Thanks for your vote! Report
    Verified purchase
    CoverageOnline & AppProcess

    Reviewed Jan. 11, 2023

    I conducted lots of research with quotes from many different companies! Haven was by far the best deal for the coverage I received! On top of that, the online application process was easy to understand and very fast! I would highly recommend for anyone searching for coverage! You will be amazed at how easy the process is! Thank you Haven Life for everything and for the peace of mind!

    Thanks for your vote! Report
    Verified purchase

    Reviewed Feb. 7, 2023

    Your "detectives" gave me a ridiculously high rate -- obviously for smokers. I explained why that's a mistake, and...nothing. I need life insurance for a divorce agreement or I wouldn't be anywhere near this silly policy. Which I will drop as soon as I find a better one. But thanks for playing!

    Thanks for your vote! Report
    Verified purchase
    Customer Service

    Reviewed Nov. 17, 2022

    My experience started out well. I had my exam and everything checked out like it should. Then the waiting began. I waited. And waited. And waited. After two long ha I started calling and emailing weekly trying to find out what was going on with my account. I never got through to anyone or had anyone respond via email. It took over 3 months to get approved. I was just about to cancel the application when they emailed that I had been approved. Terrible service. Look dude where.

    Thanks for your vote! Report
    Verified purchase

    Reviewed Aug. 16, 2022

    I've known for a while that I should be an adult and get life insurance to protect my family, but I kept putting it off. Haven made the entire process incredibly easy! I didn't even have to talk to a person :) I was also able to qualify without a medical exam. Their quote was significantly lower than the other companies that I quoted, and the service couldn't have been better! The freebies that are included with Haven Life Plus don't hurt either, and I'm looking forward to checking out Trust & Will to help me complete another item on my adult checklist, estate planning. I highly recommend this company.

    Thanks for your vote! Report
    Verified purchase
    Customer ServicePriceStaffProcess

    Reviewed Aug. 9, 2022

    Haven Life made this process so easy and convenient! They had a lab near me and that took no time at all and when they had questions that emailed me, so I was able to answer when I had the time. I did have to call with a question and the woman could not have been more pleasant! High recommend! And it’s affordable!

    Thanks for your vote! Report
    Verified purchase

    Reviewed Aug. 2, 2022

    The process was very easy. They scheduled my blood work exam at home and the company had additional questions which we resolved via email. The entire process couldn’t have been any easier. My family is now protected and we have peace of mind.

    Thanks for your vote! Report
    Loading more reviews...

    Haven Life Company Information

    Social media:
    Company Name:
    Haven Life
    Year Founded:
    Postal Code:
    United States