Haven Life

Haven Life

 4.5/5 (116 reviews)
Haven Life

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Overall Rating4.5 out of 5
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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.

Top Haven Life Reviews

Rated with 5 stars

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...

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Rated with 5 stars

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...

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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

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 6, 2023

God is my greatest defense in time of need and when I’m unable to pray I can now rest assured knowing my family will be covered in my absence. It was extremely easy to review plan(s) and have my questions answered; Thank you Haven Life for making it so easy. I Am Covered.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 7, 2022

    The entire process was seamless, efficient, and time saving. They set up my medical exam and came to my house which was super convenient. My husband didn't even have to have a medical exam and I'm assuming because his medical records were up to date and mine weren't but very happy with both our processes.

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: 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!

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 2, 2022

    I've been looking for a life insurance just in case something happens to me, my family won't have to worry about money or having to pay my debt. This was easy to get a quote, get the funds I wanted and a very affordable price. I did try other sites, but I had to answer to many personal questions over the phone that I was just not too comfortable with. I would recommend Haven Life to everyone I know as it was easy and fast to get coverage.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 15, 2022

    This was so easy! Haven has a great online system that made applying simple. Straightforward and fair pricing. I was able to apply and get approved without wasting time. Glad I chose them for mine and my family's peace of mind.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 15, 2022

    I have never had an easier time purchasing life insurance. Usually it would take weeks and I would have to send documents and have multiple calls. I was able to secure life insurance in 30 minutes and it didn't cost me any more than other life insurance. Also, really liked how simple and easy the website was.

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    Haven Life Company Information

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    Company Name:
    Haven Life
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    United States