Join thousands of customers who love Haven Life
People don’t expect to feel good about their life insurance. At best, they might feel indifferent. Happy to have it. Satisfied it’s off their to-do list. Content to never think about it again. And for about 100 years or so (yes, that’s how long the life insurance industry has been around), that was good enough.
In 2015, Haven Life was started after our CEO tried to buy a life insurance policy to help financially protect his growing family. What he found was an unnecessarily complicated experience to purchase an exceedingly important product.
Haven Life exists to help make securing affordable term life insurance actually simple. By focusing on things like efficiency, transparency, honesty and policyholder needs, we’re proud that Haven Life has earned a 4.8 out of 5-star rating from customers. And we’ve maintained that high rating as we’ve scaled up — we just crossed a major milestone, with our 1,000th TrustPilot review. (We hope some confetti and balloons fell on the reviewer somewhere.)
Read Haven Life reviews straight from our customers.
“Wow! I have life insurance and it only took 15 minutes! The process was simple, quick and painless. Now that’s my type of life insurance! #GoHavenLife…it’s (almost) like my birthday!”
—Rachel, July 2020
An easy online application experience
Applying for a term life insurance policy with Haven Life can be done anytime and anywhere (the couch with some coffee is always a good spot). Most customers are able to get a quote for term life insurance coverage and easily complete their online application in under 20 minutes. And that’s not because it’s some kind of race, but rather because Haven Life provides all of the tools and resources you need to confidently DIY. We’re working hard behind the scenes to make this process as smooth as possible for you, so you can buy an insurance policy that fits your needs.
“The whole process was seamless and easy. The rates are fair, and the people at Haven Life seem to genuinely care about their customers.”
—Mark, November 17, 2021
Both my husband and I got term life from Haven life. We recently had a baby girl and we wanted to make sure she’s protected financially if something were to happen to us. He got his first then i got mine after seeing how quick and simple the process was. We are both healthy adults in our late 20s so it was fairly simple and easy to get approved. The price is fair. Term life provides peace of mind for trajedy as we continue to build our wealth. We plan to be self insured when our term expires. I would recommend this company.
Everything to acquire the piece of mind that my family is taken care of because of something I did over a very short period of time was well worth it. From answering the pre-qualification questions online to attending the medical exam in town, I’ve gotten to work with a team of really nice professionals.
Was fairly easy to complete, but the online form disappeared in the middle so I had to start over. I called with a question regarding another issue with the form and that was resolved quickly.
Wow! I have life insurance and it only took 15 minutes! The process was simple, quick and painless. Now that’s my type of life insurance! #GoHavenLife…it’s (almost) like my birthday!
Haven Life company provides a great rate and a very easy to use process with a simple website to access. This is one of the best websites to use. I highly recommend this company.
Dependable life insurance coverage at affordable rates
Every insurance policy sold by Haven Life is issued by MassMutual or its subsidiary, C.M. Life. Considering that life insurance is really a promise to financially protect your loved ones for the next 10, 20 or even 30 years, it’s good to know that your insurance policy is written by an insurance company you can count on.
Beyond dependability, Haven Life prioritizes selling term life insurance products that are a good value for every budget. Our medically underwritten Haven Term policy provides term lengths ranging from 10 to 30 years, robust coverage amounts up to $3 million, and all at pricing that’s competitive across the industry. With a term life policy, you get level premiums that remain the same for the duration of your term. For example, if your premium is $25 per month for a 30-year, $500,000 term life insurance policy, it will remain that price for the next 30 years.
“Extremely affordable life insurance. Application process was simple and straight forward. Great customer service via email, quick responses.”
—LB, March 11, 2020
Signing up for a term policy was fast, easy and efficient, and the rate was reasonable. That’s all I know so far; I hope to never have an opinion of Haven’s claim handling.
Very easy and quick. From start to finish including medical exam, it was all less than three weeks. Rates where fantastic and worked for our family.
Haven Life was very easy to use. Application was simpler than other companies, and the medical exam was convenient, with someone coming to my house to do it. Rates were low and they are backed and owned by Mass Mutual, which is a highly rated company (if you’re concerned about solvency). Highly recommend.
I got quotes from 3 different companies. HavenLife did not deviate from the quote until it was issued.
1. Process was easy and quick
2. Received continuous support
3. Decision was fast
4. Filling up online was not offered by other 2 companies.
Website was easy to use. Great price for my insurance
A hassle-free medical exam experience (when it’s needed)
Life insurance isn’t one size fits all. That’s why Haven Life offers multiple term life insurance products so you can choose the one that best meets your needs. Whether you’re looking for a 100% online buying experience that doesn’t require a medical exam or you want a combination of coverage options and value-added features (like a no-cost digital will and fitness app), Haven Life can help you find peace of mind.
Please keep in mind: it’s important to be honest on your life insurance application. Payment of the policy (called a death benefit) is based on the truthfulness of answers provided in the application.
“We got lucky that we found Haven Life online. From the start of application, blood work and customer service, they are there anytime to help and questions are always answered patiently. I highly recommend Haven Life.”
—Leny, March 11, 2020
I love the process through Haven Life, as the application was easy to complete, and the medical exam was done at a facility near my home. Customers also have the option to have the medical examiner visit their home; however, I preferred to visit a nearby lab. Finally, I got a fair price for a 30-year term life insurance with Mass Mutual. I am delighted because the process was easy, and the underwriter did not make a huge issue like other insurance companies I have tried in the past, and the whole process took less than a week to complete. I am at peace know that should something happen to me; my family will be covered.
Very pleasant experience, well structured process, very accommodating in terms of medical exam dates/location.
Overall application was an average/good experience. Did require a medical exam even though I’m under 40 and in great health. That kind of dragged the process out. First schedualed exam was canceled last minute as well. But rates were pretty good. Website is a little rough around the edges, has room for improvement.
Very easy and quick. From start to finish including medical exam, it was all less than three weeks. Rates where fantastic and worked for our family.
Fast, fair and efficient. From the moment I requested information to the time I signed my policy online, it was smooth sailing. The nurse who visited my home was very cordial & friendly. I’m glad I got my insurance through Haven Lite
World’s best customer success team. (Really)
Being a digital-first life insurance innovator doesn’t mean that real, empathetic, human customer support isn’t important. While we receive rave reviews for the ease of buying life insurance, we find that customers are equally delighted by the expertise and helpfulness of our customer success team.
Whether it’s through email, phone or live chat (pick your preference), we’re always ready to lend a hand.
“The process was very easy and pain free. Excellent customer service as well! Glad I went with Haven Life.”
—Lemmy, May 26, 2021
The website is easy to review. Coverage level I requested meant testing. That was a little clunky due to communication between their 3rd party, but haven life agents were timely with email communication. Overall the rate was a little higher than expected, but glad to have the insurance. Really liked using the slider to determine the final coverage. After policy issued, website shows a new perk so come so looking forward to seeing what that is about
Overall customer experience was exceptional. Customer Service agent (Qianqian) exceeded my expectation in assisting me with resolving a rate issues-expertise, product knowledge, timeliness and follow-through were A+.
The whole process was easy though filling out the form was long. It was great to know I was given options to increase the amount and the terms. The monthly premium was reasonable though I was expecting a lower rate. But I like that I got approved after so many denied applications from different companies. The customer service and the correspondence was great as well!!! I would say I found a haven in your company, really!
The process was very easy and pain free. Excellent customer service as well! Glad I went with them.
Process was efficient, as well as, professional. Customer service representatives, quickly answered any questions, and resolved any issues brought to their attention.
But, we’re not perfect
To date, we’ve helped thousands of people secure life insurance coverage, and we’ve got a near-perfect review rating from those customers to show for it.
We’re extremely proud of that fact, but near-perfect is not perfect. We know there’s always room for improvement. That’s why we will never stop listening, learning and trying to do right by our customers. That’s our promise to you.
Whether its follow-up questions, more payment options or just a typo in an email, please let us know. We want to be getting better every day.
“Haven Life is great. I had some issues scheduling the medical exam, but other than that, I’m very pleased with my experience.”
—Ekow, June 5, 2019
I had several problems with my Haven experience, which was especially unfortunate because I chose Haven based on its customer service reputation.
First, after I submitted my application online, I was told that an immediate quote couldn’t be provided and I would receive one within a few business days. After a week with no follow-up from Haven, I contacted them and only then did they realize they never provided a quote.
Second, the first available appointment for the medical exam was more than three weeks after I finally received a quote.
Then, the person sent to take my blood sample called 45 minutes before the appointment and said she couldn’t make it, causing me to waste a half-day of vacation time. The woman was unable to reschedule for several days, and then arrived late on the second date.
Finally, Haven increased my quote 50% after the medical exam. Haven said this was because of a history of gestational diabetes, but I had already disclosed that history prior to the initial quote so that was not new information and should have been factored into the initial quote. Furthermore, I’m a nurse practitioner and my A1C was the best I’ve ever seen, so the history of gestational diabetes was not indicative of any worry regarding developing true diabetes within the policy term.
For a company that sells itself based on customer service and easy applications, I found Haven to be quite the opposite.
After signing up for the health exam, and proactively calling to confirm the appointment – the person scheduled to conduct the exam was a no-show. After calling back to see what happened was told that the person scheduled was actually not working that day. A waste of an entire work day and inconvenience of having to fast. Haven Life’s response was sending me around a circle of auto responses with no resolution after multiple attempts on my part. I have since found another life insurance provider who was a much better fit and no health exam was required due to my demographic information.
Haven life insurance has good prices and make it easy to sign up, my complaint is their referral process. I was referred to them by my father and their referral offer to him was not honored even though I used his link. I did this for my Dad then I saw their prices and it is really affordable so I am happy with them except I never would have even signed up without my Dad referring me. They should do what they say and give out referral bonuses otherwise people like me would never know how good of a life insurance company they are !!!
I’m recently new to Haven Life. I just had my meeting with a medical examiner recently and I need to go on record about the experience. I live in Brooklyn and as sent to the Midwood neighborhood (1222 Avenue M was the address, I believe). I arrived to my appointment and it was a shared office with 4 people all at computers not wearing masks (indoors! in a PANDEMIC!!) and not social distancing. I froze and stood in the entryway with my mask on until I was told which private office I could enter. My medical examiner was laughing with another medical examiner about a third medical examiner who used the wrong needle for a blood draw on a different patient. The environment, the behavior of the medical examiners and the experience therewith was appalling. What are your protocols for medical examiners? How do you enforce them? Because this office and my experience was atrocious. Please contact me to continue the conversation.
The rate offerings of Haven Life are extremely competitive, and the actual insurance underwriting process from beginning to medical notifications, scheduling and receiving the policy is robust. But the user experience within the website is absolutely atrocious. The website is a nightmare to navigate. Although I would love to recommend Haven Life as a company, I wouldn’t dare asking any person to navigate that buggie website.
From quote through the application process to starting your coverage and beyond, Haven Life is committed to providing you with the very best life insurance experience. To us, a policyholder is far more than a policy number, and whether it’s celebratory annual reports or no-cost bonus offerings like an online will or just lending an empathetic ear, we’ve got your back. And that sentiment is all reflected in the Haven Life reviews you have read.
See for yourself what all of the fuss is about by getting your free term life insurance quote now.
About Adam Weinberg
Adam Weinberg is the Brand Director for Haven Life, where he’s working hard to make life insurance easy. Adam is a creative problem solver who uses unique brand moments to create meaningful customer experiences.
Adam has more than a decade of diverse editorial, marketing, and branding experience, including work on several award-winning campaigns for various digital media companies.
Read more by Adam Weinberg
Our editorial policy
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our editorial policy
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
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Our disclosures
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. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. 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). For more information about Haven Life Plus, please visit: https://havenlife.com/plus.html
Read our disclosures
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Very happy with the whole process from start to finish on my application. Only area that could be improved is that my wife also applied and was rejected and we did not get a reason. She is a 30 year old female without any existing conditions so I was surprised.
The whole process was seamless and easy. My application for term life insurance was all done online. The rates are fair, and the people at Haven Life seem to genuinely care about their customers.
Best life insurance company.
The process of getting life insurance with you is a very smooth process. I really liked the way you communicated through the process and were on top of the things. I really appreciate it. Thank You for my peace of mind and my family’s peace of mind.
Super easy! I was putting off purchasing life insurance as all I wanted was a term policy and was dreading the thought of having to meet or speak to a broker and deal with the dreaded upsell tactics. While researching options, I stumbled across Haven Life and began looking into it. Thrilled that I did. I could not have imagined an easier, more streamlined process from beginning to end. Very easy process and excellent, easy-to-understand documentation on the site.
