Haven Life Review 2024: 100% Online Term Life Insurance

Amanda Hester

Haven Life offers two term life insurance policies (Haven Simple and Haven Term), giving you the freedom to apply completely online with no need to speak with an agent. You can find out if you are eligible and receive same-day coverage after completing your application. 

Overall rating


Summary: Haven Life simplifies the insurance application process, allowing you to easily choose your term length and coverage. 

Haven Life Insurance

haven life insurance logo


Coverage Up To

May Need

Medical Exam



Policy Application


Fees, Coverage & Policies




Claim Support


Customer Service


Sae & Secure


  • Coverage for 18 – 64 years old
  • No medical exam for Haven Simple
  • Ability to customize coverage


  • Term life insurance only
  • Not all riders available in all states 

Best For

  • Healthy individuals
  • 100% digital experience
  • Wide range of coverage


HQ60 Madison Ave., New York, NY 10010
PolicyTerm life insurance
Coverage– Haven Term: $250,000-$3,000,000
– Haven Simple: $25,000 -$500,000
Term Length– Haven Term: 10, 15, 20, 25 or 30 years
– Haven Simple: 5, 10, 15, or 20 years
Medical Exam– Haven Term: May Need
– Haven Simple: Not Required
Issue Age– Haven Term: 20-64
– Haven Simple: 20-55
Restricted States– Haven Term: Available in all states
– Haven Simple: All states except NY, ND, SD, and WA

In depth review on Haven Life

Haven Life is a great insurance agency for those who are looking for fast and convenient life insurance coverage options. Their quoting tool makes it easy to estimate your coverage amount based on the coverage amount and policy length.  

Haven Life is best for

  • Young, healthy individuals: The better health you are in and the younger you are, the more affordable your premium will likely be. Your premium is based on your individual health and medical records.
  • 100% digital experience: Haven Life’s application process is easy, fast and convenient. No need to talk to an agent, and if approved, you can set up automatic payments online.
  • Wide range of coverage: Haven has a wide range of coverage available with multiple term options to meet your needs.

Haven Life benefits 

  • Covers people aged 18-64: Haven covers a broad range of people in different age groups. 
  • No medical exam: They offer two term life insurance options: Haven Term which typically requires a medical exam in most cases and Haven Simple with no medical examination required.
  • Ability to customize coverage: Haven Term has good rider options, such as Haven Life Plus.

Haven Life drawbacks 

  • Term life only: Haven Life only offers term life insurance – for permanent plans, you will need to search elsewhere.
  • Limited states available for riders: Only certain states are available for both products and riders. 

Factors contributing to the overall rating

Policy application


Haven Life makes it easy to apply for life insurance online. Haven Term usually requires a medical exam when applying for coverage. Haven Simple does not require an exam to apply. The Haven Life applications evaluate your medical information and personal data you provide during the application process to determine whether or not you are eligible for coverage. 

If approved, Haven Life will allow you to choose your coverage amount and policy length and then your premium will be shared with you online. From here, you are able to pay online for the remainder of your term. 

Fees, coverage and policies 


They offer Haven Term and Haven Simple that vary in coverage availability and riders.  Their offers include:

Haven Term:

  • Coverage between $250,000 – $3,000,000 (Coverage amount available for those ages 18-59 is up to $3M and $1M for those ages 60-64)
  • Haven Life Plus is an innovative rider (added feature) to the Haven Term policy that helps policyholders live healthier, fuller and more protected lives, including online will services and more. (This rider is available to Haven Term Policyholders except those living in NY, FL, SD, WA and ND.)
  • Guaranteed renewability: You pay the same price each month throughout the length of the term.
  • Available in all 50 states 

Haven Simple:

  • Coverage up to $25,000 -$500,000
  • Guaranteed renewability: You pay the same price each month throughout the length of the term.
  • Available in all states except NY, WA, SD, and ND. 

Your monthly premium is based on their online evaluation that reviews your medical records and health data. While they allow for smokers and individuals who have had serious medical conditions, including cancer, to apply for coverage, their premium will be more expensive. 



Haven Term and Haven Simple have a few life insurance riders available:

Accelerated death benefit riderYes
Accidental death benefit riderN/A
Child riderN/A
Critical Illness riderN/A
Cost of living adjustment (COLA) riderN/A
Disability income riderN/A
Guaranteed insurability riderN/A
Long-term care (LTC) riderN/A
Return of premium (ROP) riderN/A
Term conversion riderN/A
Waiver of premium riderYes

Claim support 


Haven makes it simple to submit claims completely online. You will need to have proof of the deceased person’s passing and submit basic information on them and the beneficiary. From there, Haven will be able to take care of the process. What’s more, they have multiple blog posts available on their website to educate beneficiaries on how they can submit their claim effectively and have it processed as soon as possible. 

Customer service


Haven Life’s customer service is top notch – you can submit any questions you have online and they will get back to you via email immediately. You can also contact customer service on their mobile app.

Safe and secure


Haven Life’s coverage is issued either by MassMutual, which is rated A++ A.M*, or C.M. Life, a subsidiary of MassMutual both under the same rating system. It has one of the best ratings for financial strength and claims-paying ability. It was also rated one of the World’s Most Ethical Companies by Ethisphere in 2019.

Is Haven Life right for you?

Haven Life simplifies the life insurance application process significantly with its easy online application and policy management. It’s fast, convenient, and gives you plenty of options to customize and add to your policy as needed. If you’re looking for a purely digital experience option, then Haven Life has you covered.

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 71922 and in Arkansas, 100139527. 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). Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC) issued by C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527. MassMutual and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). MassMutual has received different ratings from other rating agencies.