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This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

HavenLife Life Insurance

Sarah Pritzker Sarah Pritzker Last update:
Coverage Amount
$25K - $500K
Insurance Term
10 - 30 Years
Medical Exam Required?
Yes

Thought HavenLife was a simplified way of getting life insurance? Well, guess what. They’ve made it even simpler! With HavenSimple , you can check your insurance rates, apply, and even get approved for term life insurance all online. There are no medical exams required here, and you won’t ever have to go down to any offices for face-to-face meetings. The idea of HavenSimple is to make life insurance even easier. You can get as much as $500,000 in coverage for term life insurance policies, and that includes an accelerated death benefit rider.

HavenSimple Life Insurance Services & Terms

Policy types Term life insurance
Coverage amount $25,000 – $500,000
Terms 10, 15, 20, 30 years
Life Insurance Rating
  • A+ A.M. Best rating
Good for People looking for a simpler way to apply for term life insurance
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Who is HavenSimple Good For?

HavenSimple is one of the easiest ways to get life insurance today. In a modern world, online processes are the norm, and HavenSimple has certainly maximized this option. If digital processes are your preferred method of operation, then HavenSimple is golden.

Consumers will also benefit from the fast response time, accelerated death benefit rider, and premium rate lock.

  • People who want to be secure in the rate they pay indefinitely
  • Easier online application process
  • Accelerated death benefit
  • Annual renewability

Features

  • 100% online application process
  • True no medical exam process
  • Quick response
  • Accelerated death benefit rider included
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HavenSimple video

Application Process

The big selling point of HavenSimple is how simple the process is. You can apply and get coverage directly online. This is particularly suitable for today’s social distancing climate and works well for people who don’t want to leave the house (or even those who just don’t have time or patience to sit in an office and have sales pitches thrown at them for an hour). It’s also nice that there’s no medical exam required. This saves time, money, and energy.

Here’s how the HavenSimple application process works:

  1. Visit HavenSimple to start the process.
  2. Fill out a basic application form that asks questions like your gender, date of birth, and if you use nicotine products.
  3. HavenSimple will generate an estimated rate.
  4. If you like the rate quote, you can continue to fill out the online application. Remember, this is totally done online. So, it’s a lot more convenient than conventional life insurance.
  5. You’ll be asked to create an account, fill out a longer questionnaire, and get a real rate quote on the spot.
  6. Accept the rate, fill in your e-signature, and have your coverage start immediately.

What’s also nice about HavenSimple is that it gives you the option to take a medical exam in order to lower your monthly rate. So, you have the option to choose to pay a higher rate for the convenience of not taking a medical exam or opting for the exam to get a lower premium. That’s not something most life insurance providers offer.

Taking the questionnaire is definitely worthwhile for some people as it can significantly reduce your premium. Take a look at the rate difference we received when we included the more exhaustive application:

As you can see, that’s a tremendous difference. So, if you’re looking to save money on your premium (and aren’t we all?), this is a good way to go.

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Policy Types, Terms & Requirements

HavenSimple only offers one type of insurance policy, term life insurance. It’s unfortunate that there isn’t a whole life option. But if term is what you’re looking for, HavenSimple is as good as they come.

Life Insurance Requirements

  • US resident
  • 18 – 55 years of age
  • Not active military or enlisting currently
  • Personal use only

Life insurance Terms

  • From $25,000 up to $500,000
  • Max length up to 30 years for applicants 18-49 years of age
  • Max length of 20 years for applicants 50-55 years of age
  • Term life insurance policies

Privacy & Security

HavenSimple is just another branch of HavenLife, a well-known life insurance provider. These sister services offer policies issued by the renowned MassMutual, an insurer that has been issuing policies for more than a century and a half. What’s more, the company holds an A++ superior rating from AM Best, AA+ from Fitch, Ax3 from Moody’s Investors Services, and AA+ from Standard & Poor’s. What this means to consumers is that HavenSimple is a solid option with fabulous financial health that can be trusted with our life (insurance policy, that is).

Customer Support

HavenSimple offers phone, email, and live chat customer support. You can reach someone during regular business hours using the below contact information. Alternatively, consumers can look through the detailed FAQ section. HavenSimple has done an excellent job with its FAQ page, including just about every question you might come up with during your search.

Email 

Online contact form

Live Chat

Yes

Support Hours

Weekdays 9 AM to 6 PM ET

Online application Yes
Medical exam No
Online exam results N/A
Credit card payments No
Policy delivery method Online
Online policy management Yes

Final Thoughts

HavenSimple lives up to its name, offering a simplified process for applying and receiving term life insurance. As mentioned, there’s no whole life insurance policy available, which is a drag. But as far as term life insurance goes, HavenSimple definitely ranks at the top. Its 100% online application process means that you can get the whole thing done in minutes and from the simple comfort of your own home. Plus, no medical exam is always a benefit. Additionally, HavenSimple includes an accelerated death rider in its policies. That and premium rate lock make HavenSimple an obvious choice.

Address

HavenLife

60 Madison Ave, 7th Floor

New York, NY 10010

View Rates
Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Sarah Pritzker Sarah Pritzker
Sarah Pritzker loves researching - and then sharing - all the info she can get her hand on in the world of finance. Whether it's comparing credit cards, contrasting life insurance policies, staking out investment opportunities, or investigating fraud, Sarah's got her finger on the pulse of the finance moment.
This review is based on the writer's personal opinion.