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Haven Life Reviews


bestfor-icon Cost-Effective Way to Get Life Insurance

Written by Andrew Omalley

About Haven Life | Read More


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Mon - Thu 9:00am - 5:00pm EST
Fri-Sun Closed
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  • help@havenlife.com
  • (855) 744-2836
  • Headquarters: 60 Madison Ave, 7th Floor New York, NY 10010
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Haven Life Life Insurance Review

Haven Life focuses on providing an easy, dependable, and affordable way to take out a life insurance policy. You can quickly check the prices for a given policy online and star the application process no matter what time of the day it might be.

Haven Life Life Insurance Highlight


Coverage Amount

10, 15, 20, or 30 years

Coverage Term


BBB Rating

Not Required

Medical Exam


Optional Add-Ons

Pros & Cons

  • con-icon Easy to use website
  • con-icon Good reputation
  • con-icon Quick approval times
  • con-icon Completely online process
  • con-icon Only offers term life insurance
  • con-icon Non-convertible policies


  • Two-year suicide and contestability period

Associated Fees

Haven Life does not have any flat service fee in place for its policies. Instead, everything will be built into a single monthly premium that you pay, which reflects different factors, including your age, health status, and so on. As a whole Haven Life offers policies with competitive premiums.

Life Insurance Policies and Pricing

There is one main type of policy that Haven Life offers. Here are some key details regarding the basic Haven Term policy option:

  • Coverage up to $3 million
  • Digital application
  • Issued by C.M. Life or MassMutual
  • Elgigibltiy up to 64 years old
  • Tax-free lump sum payout
  • Medical exam usually required
  • Free access to Haven Life Plus in most states
  • Level premiums
  • Accelerated death benefit
  • Sample price would be $17.50 per month
  • Term length starting at 10 years

How to Get Life Insurance Through Haven Life

If you are looking to take out a policy with Haven Life, then the process is pretty simple. You can do it completely online unless a medical exam is necessary. Sometimes you will be able to get instant approval for your application.

There is a quote process on the Haven Life website that sees you enter in some key info, and you will be presented with the rough monthly premium you will likely have to pay for your policy. You can then go ahead and submit an official application if you wish.

All standard types of info will be required at this point in time, including medical history and lifestyle questions. Verification of your identity will also usually be a requirement at this point in time.

If you don’t need a medical exam, then you can get approved instantly. Otherwise, you will need to carry out the exam before Haven Life awards you cover. Once the exam has been completed, you will be presented with your final rate and you can then begin your coverage.

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



Can you add a partner or spouse to your policy?

Currently, Haven Life only offers individual life insurance policies, so you would have to get a separate policy for a partner or spouse.

What is the biggest coverage you can get through Haven Life?

Haven Life will supply life insurance policies that pay out up to $3 million to applicants who are under 60 years old.

Is whole life insurance also an option at Haven Life?

Haven Life currently only offers people term life insurance.

Customer Support

Haven Life aims to make the life insurance process very simple. Everything can be done online, from getting a quote to taking out a policy. There are plenty of FAQs that can answer some of the questions that you might have about the offering. You can also find other useful information pages that can help educate people about the Haven Life offering.

If you wish to talk directly with the support team, the phone lines are open during regular hours Monday to Thursday. There is currently no phone support available on Fridays or over the weekends. You also have the ability to use live chat or send an email to the Haven Life support team.

Privacy & Security

Haven Life Insurance Agency has a good reputation online. It has an A+ rating from the Better Business Bureau and has fewer than average complaints online. What’s more, Haven Life offers policies issued by Massachusetts Mutual Life Insurance Agency, one of the oldest and most trusted names in the industry.

It holds an A++ rating from A.M. Best, which is an indicator of MassMutual’s financial strength and claims paying abilities. MassMutual also won the 2019 Ethisphere’s World’s Most Ethical Companies award and earned a score of 100 on the Human Rights Campaign Corporate Equality Index.

In Conclusion

Haven Life provides people with a very simple way to get life insurance. Everything can be quickly done online, allowing you to not waste much time. There is a solid range of coverage options, as well as affordable rates usually on offer. Many different add-ons are also available, which allows you to customize the policy to your needs.

Brand Disclaimer

“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. Our Agency license number in California is OK71922 and in Arkansas, 100139527 Disclosure – Term Conditional Required massmutual MassMutual Presence in Prox. to Haven Life Conditional Banned Haven Life Plus (Plus) is the marketing name for the Plus Rider which 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 (partners). Plus offers access to additional services at no cost or at a discount”