Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Truth in a Nutshell

  • Haven Life offers term life insurance policies
  • Haven Life’s policies are funded by MassMutual 
  • MassMutual has an A.M. Best score of A++

If you’re looking for term life insurance, Haven Life may be worth considering. Keep reading to learn more about affordable Haven Life life insurance policies and what sets Haven Life apart from its competitors.

Before you read more about Haven Life, enter your ZIP code above to see quotes from life insurance companies in your area.

What policies does Haven Life insurance offer?

Haven Life offers term life insurance, annuities, and disability insurance. You can apply for Haven Life insurance online and its policies are backed by either MassMutual or a subsidiary of MassMutual.

Haven Life insurance policies are affordable, starting at $7.87 per month for $100,000 of coverage.

Haven Life Insurance Rates Term Life Insurance Rates for Woman with $100,000 of Coverage
Age$100,000 Coverage
30-Year-Old Woman$7.87
35-Year-Old Woman$8.13
40-Year-Old Woman$9.46
45-Year-Old Woman$12.01
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Read below to learn more about the specifics of your policy options.

Haven Term

Haven Term is the flagship life insurance policy offered by Haven Life. This policy is available for those 18-65 and offers coverage anywhere from $100,000 to three million dollars.

This makes it a very flexible policy that fits the needs of almost anyone.

Haven Term has an online application and requires a medical exam. The policy is offered in all states, but the Haven Life Plus rider that is available to add to the policy is not.

Haven Term has level premiums and offers an accelerated death benefit.

Haven Simple

Haven Simple is similar to Haven Term, with a few key differences. The first is that Haven Life life insurance rates for the Haven Simple policy will commonly be slightly higher than those of the Haven Term policy.

This is because Haven Simple does 100% approval online; no medical exam is required. While this does increase the rates, it means that you can easily get coverage in minutes.

Another difference is that Haven Simple is only available for those aged 20-55 and does not include the Haven Life Plus rider.

Haven Simple also has a more limited availability than Haven Term. Residents of California, Delaware, South Dakota, North Dakota, and New York are currently unable to apply for this policy.

Haven Life Plus Rider

The Haven Life Plus rider adds a lot of value to the traditional term life insurance policy.

Haven Life partners with a plethora of companies to provide everything from access to online wills, workout apps, and online storage for important documents.

Haven Life Disability Insurance

Haven Life has launched a disability insurance option as well. This insurance is designed to help subsidize your income should you ever be injured or ill enough that you can no longer work.

The entire process is digital, including the original application to apply for your benefits, should you ever need them.

According to Haven Life, policies start as low as $27.49 for $3,000 in coverage.

Haven Life Annuities

The Haven Life AgeUp program is designed to supplement income for those over the age of 90. It’s available starting at as little as $25 per month.

There are no medical exams required, and AgeUp also offers a return of premium option for customers.

Like all products offered by Haven Life, AgeUp can be applied for online in minutes. Unfortunately, this annuity is currently not available in California, Florida, or New York.

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Does Haven Life have a good reputation?

Haven Life is a young company founded only 14 years ago. Haven Life’s founder aimed to streamline the process of shopping for life insurance.

Given the overall positive reputation that Haven Life has maintained, it would seem that he succeeded.

Haven Life insurance has a good reputation with customers and employees. In fact, the Haven Life Glassdoor page shows a score of 4.5. Haven Life careers receive consistently good reviews from past employees.

Customers also have good things to say. In part because Haven Life has partnered with MassMutual. MassMutual has an excellent reputation as one of the oldest life insurance companies.

According to the National Association of Insurance Commissioners, MassMutual currently has an insurance complaint index score of 0.07.

An average score is one, which means that MassMutual receives very few complaints overall.

In addition to this, MassMutual has an A.M. Best score of A++. This is the highest score currently offered by A.M. Best.

Haven Life: The Bottom Line

Haven Life life insurance quotes are affordable, and the company model of online care has made it an accessible option for a wide range of individuals.

Haven Life is likely to have an affordable policy that meets your needs regardless of age or price point.

However, if you’re looking for permanent life insurance, Haven Life is not the company for you. At this point in time, Haven Life is focusing exclusively on term life insurance, annuities, and disability insurance.

Before you buy Haven Life life insurance, enter your ZIP code below to pull up free life insurance quotes from companies near you.