HavenLife Life Insurance
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||
|Good for||People looking for a simpler way to apply for term life insurance|
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
- 100% online application process
- True no medical exam process
- Quick response
- Accelerated death benefit rider included
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:
- Visit HavenSimple to start the process.
- Fill out a basic application form that asks questions like your gender, date of birth, and if you use nicotine products.
- HavenSimple will generate an estimated rate.
- 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.
- You’ll be asked to create an account, fill out a longer questionnaire, and get a real rate quote on the spot.
- 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.View Rates
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).
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.
Online contact form
Weekdays 9 AM to 6 PM ET
|Online exam results||N/A|
|Credit card payments||No|
|Policy delivery method||Online|
|Online policy management||Yes|
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.
60 Madison Ave, 7th Floor
New York, NY 10010View Rates