Haven Life Insurance Review

Rating: 9.6 / 10 (Excellent)
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How is Haven Life rated?
Financial Strength
Customer Experience
Help and Support
Online Presence

Background-Haven Life Insurance

Haven Life might be newcomer to the life insurance game, but it’s offering something truly unique that has never been seen before in the industry. Backed by MassMutual, Haven Life launched in 2015 as the only place to buy life insurance entirely online. This means that instead of starting the application process online only to get sent to an agent, you can complete the process entirely on their website and, if approved, be insured as quickly as 20 minutes after you started.

Although most of the large life insurance companies will provide you calculators and quotes online, you typically have to submit contact information for a quote, and you eventually always have to deal with an agent before finalizing coverage, a process that can take quite some time. Haven Life was started with the aim of addressing this apparent lag between the life insurance industry and the online retail sector proper. When you apply for a term life insurance policy with Haven Life, your application is processed in real time, allowing for an quick decision and for coverage to begin immediately. Very different from the several week process of many insurers.

Company Reputation

Haven Life is backed by MassMutual, a trusted insurer with a long history of financial strength. This is important when potentially purchasing a 30-year commitment.

MassMutual’s Financial Strength Ratings 

Standard and Poor’s


Moody’s Rating


A.M. Best FSR


Fitch Ratings


Read more about MassMutual’s ratings here.

Haven Life is accredited and graded A+ with the Better Business Bureau. 


Haven Life offers term life insurance policies only. The company features an excellent and straightforward online calculator where the customer can input basic information and have a quote very quickly. Then, the company employs a sophisticated underwriting algorithm to determine eligibility in real-time.






10, 15, 20 or 30 years

Coverage Limits

Up to $1,000,000

Guaranteed level premiums


Affordable Coverage


Death Benefit


Medical Exam

Not required

Additional Features

Haven Life's policies were optimized to be quickly and easily purchased entirely online. Much of the confusing payment options and complicated policy riders traditionally associated with life insurance have been streamlined or removed. Essentially, the sale isn't driven by agent commission and its Haven Life's aim to get you a no-nonsense policy that fits your needs as quickly as possible. That being said, the company still offers some useful additional features on its site, in addition to riders and features for the Haven Term policy.

  • Guaranteed Renewability
  • Living Accelerated Death Benefit
  • Disability
  • Waiver of Premium Rider
  • Free Life Insurance Calculator
  • Free Price Comparisons with Other Providers

Haven's life insurance calculator and quote option require no contact information to utilize which makes them a hassle-free option for those just starting their life insurance research.

Help and Support

Haven Life offers toll-free phone assistance during business hours Weekdays 9AM to 6PM ET. The company also offers help via email and live chat.

Online Presence

As Haven Life has brought the act of applying for life insurance fully online, it's website tools are second to none. The quote calculator is easy to use and gets you an estimated monthly premium in seconds. Also the company provides an online Insurance 101 guide as well as a blog with topics of interest to life insurance and overall financial planning education.

Haven Life Insurance – Final Thoughts

Haven Life is an ideal solution for those looking to get a quality life insurance policy quickly and with no hassle. Traditionally, life insurance is purchased through agents. Even if one goes through the online quote process of one of the big, well known providers, they will eventually be shuttled to an agent at some point. With Haven Life you can get a straightforward term life policy without being sold unnecessary and costly plan options, and you can get it in 20 minutes. 

Haven Term is a Term Life Insurance Policy (DTC, ICC14DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC

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Latest Reviews

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Denver, Colorado
I am guessing they are asking people who have received coverage to respond on this site, there is no way the general public feels this positive about this company. I found them to be insulting and a complete waste of time. To be more specific, I was provided an initial quote online based on my current health, and referred to a physical exam. This process took nearly a month. The physical supported the information provided on my application, basically that I am a type 1 diabetic with an A1C below 7.0. For those familiar, this is exceptional control, yet this is the reason I was denied coverage, and is the exact information provided on my application.