Individuals don’t anticipate to be ok with their life insurance coverage. At finest, they could really feel detached. Completely satisfied to have it. Glad it’s off their to-do checklist. Content material to by no means give it some thought once more. And for about 100 years or so (sure, that’s how lengthy the life insurance coverage business has been round), that was adequate.
In 2015, Haven Life was began after our CEO tried to purchase a life insurance coverage coverage to assist financially defend his rising household. What he discovered was an unnecessarily sophisticated expertise to buy an exceedingly necessary product.
Haven Life exists to assist make securing reasonably priced time period life insurance coverage truly easy. By specializing in issues like effectivity, transparency, honesty and policyholder wants, we’re proud that Haven Life has earned a 4.8 out of 5-star ranking from prospects. And we’ve maintained that top ranking as we’ve scaled up — we simply crossed a serious milestone, with our 1,000th TrustPilot overview. (We hope some confetti and balloons fell on the reviewer someplace.)
Learn Haven Life critiques straight from our prospects.
“Wow! I’ve life insurance coverage and it solely took quarter-hour! The method was easy, fast and painless. Now that’s my kind of life insurance coverage! #GoHavenLife…it’s (nearly) like my birthday!”
—Rachel, July 2020
A straightforward on-line software expertise
Making use of for a time period life insurance coverage coverage with Haven Life could be executed anytime and anyplace (the sofa with some espresso is all the time a great spot). Most prospects are capable of get a quote for time period life insurance coverage protection and simply full their on-line software in below 20 minutes. And that’s not as a result of it’s some form of race, however quite as a result of Haven Life offers all the instruments and assets that you must confidently DIY. We’re working arduous behind the scenes to make this course of as easy as doable for you, so you should buy an insurance coverage coverage that matches your wants.
“The entire course of was seamless and straightforward. The charges are honest, and the folks at Haven Life appear to genuinely care about their prospects.”
—Mark, November 17, 2021
Each my husband and I obtained time period life from Haven life. We lately had a child lady and we wished to verify she’s protected financially if one thing have been to occur to us. He obtained his first then i obtained mine after seeing how fast and easy the method was. We’re each wholesome adults in our late 20s so it was pretty easy and straightforward to get accredited. The worth is honest. Time period life offers peace of thoughts for trajedy as we proceed to construct our wealth. We plan to be self insured when our time period expires. I’d advocate this firm.
Every part to accumulate the piece of thoughts that my household is taken care of due to one thing I did over a really quick time period was effectively value it. From answering the pre-qualification questions on-line to attending the medical examination on the town, I’ve gotten to work with a crew of very nice professionals.
Was pretty straightforward to finish, however the on-line kind disappeared within the center so I needed to begin over. I referred to as with a query relating to one other difficulty with the shape and that was resolved rapidly.
Wow! I’ve life insurance coverage and it solely took quarter-hour! The method was easy, fast and painless. Now that’s my kind of life insurance coverage! #GoHavenLife…it’s (nearly) like my birthday!
Haven Life firm offers a fantastic charge and a very simple to make use of course of with a easy web site to entry. This is without doubt one of the finest web sites to make use of. I extremely advocate this firm.
Reliable life insurance coverage protection at reasonably priced charges
Each insurance coverage coverage bought by Haven Life is issued by MassMutual or its subsidiary, C.M. Life. Contemplating that life insurance coverage is mostly a promise to financially defend your family members for the subsequent 10, 20 and even 30 years, it’s good to know that your insurance coverage coverage is written by an insurance coverage firm you may depend on.
Past dependability, Haven Life prioritizes promoting time period life insurance coverage merchandise which might be a very good worth for each finances. Our medically underwritten Haven Time period coverage offers time period lengths starting from 10 to 30 years, strong protection quantities as much as $3 million, and all at pricing that’s aggressive throughout the business. With a time period life coverage, you get degree premiums that stay the identical in the course of your time period. For instance, in case your premium is $25 monthly for a 30-year, $500,000 time period life insurance coverage coverage, it’ll stay that worth for the subsequent 30 years.
“Extraordinarily reasonably priced life insurance coverage. Utility course of was easy and straight ahead. Nice customer support through e mail, fast responses.”
—LB, March 11, 2020
Signing up for a time period coverage was quick, straightforward and environment friendly, and the speed was cheap. That is all I do know up to now; I hope to by no means have an opinion of Haven’s declare dealing with.
Very straightforward and fast. From begin to end together with medical examination, it was all lower than three weeks. Charges the place incredible and labored for our household.
Haven Life was very straightforward to make use of. Utility was easier than different corporations, and the medical examination was handy, with somebody coming to my home to do it. Charges have been low and they’re backed and owned by Mass Mutual, which is a extremely rated firm (if you happen to’re involved about solvency). Extremely advocate.
I obtained quotes from 3 completely different corporations. HavenLife didn’t deviate from the quote till it was issued.
1. Course of was straightforward and fast
2. Acquired steady assist
3. Resolution was quick
4. Filling up on-line was not supplied by different 2 corporations.
Web site was straightforward to make use of. Nice worth for my insurance coverage
A hassle-free medical examination expertise (when it’s wanted)
Life insurance coverage isn’t one measurement suits all. That’s why Haven Life presents a number of time period life insurance coverage merchandise so you may select the one which finest meets your wants. Whether or not you’re searching for a 100% on-line shopping for expertise that doesn’t require a medical examination otherwise you need a mixture of protection choices and value-added options (like a no-cost digital will and health app), Haven Life may also help you discover peace of thoughts.
Please take into account: it’s necessary to be sincere in your life insurance coverage software. Cost of the coverage (referred to as a demise profit) relies on the truthfulness of solutions supplied within the software.
“We obtained fortunate that we discovered Haven Life on-line. From the beginning of software, blood work and customer support, they’re there anytime to assist and questions are all the time answered patiently. I extremely advocate Haven Life.”
—Leny, March 11, 2020
I like the method by Haven Life, as the applying was straightforward to finish, and the medical examination was executed at a facility close to my house. Clients even have the choice to have the medical expert go to their house; nevertheless, I most popular to go to a close-by lab. Lastly, I obtained a good worth for a 30-year time period life insurance coverage with Mass Mutual. I’m delighted as a result of the method was straightforward, and the underwriter didn’t make an enormous difficulty like different insurance coverage corporations I’ve tried prior to now, and the entire course of took lower than per week to finish. I’m at peace know that ought to one thing occur to me; my household can be coated.
Very nice expertise, effectively structured course of, very accommodating when it comes to medical examination dates/location.
Total software was a median/good expertise. Did require a medical examination regardless that I am below 40 and in nice well being. That form of dragged the method out. First schedualed examination was canceled final minute as effectively. However charges have been fairly good. Web site is somewhat tough across the edges, has room for enchancment.
Very straightforward and fast. From begin to end together with medical examination, it was all lower than three weeks. Charges the place incredible and labored for our household.
Quick, honest and environment friendly. From the second I requested data to the time I signed my coverage on-line, it was easy crusing. The nurse who visited my house was very cordial & pleasant. I’m glad I obtained my insurance coverage by Haven Lite
World’s finest buyer success crew. (Actually)
Being a digital-first life insurance coverage innovator doesn’t imply that actual, empathetic, human buyer assist isn’t necessary. Whereas we obtain rave critiques for the convenience of shopping for life insurance coverage, we discover that prospects are equally delighted by the experience and helpfulness of our buyer success crew.
Whether or not it’s by e mail, cellphone or dwell chat (choose your desire), we’re all the time able to help.
“The method was very straightforward and ache free. Wonderful customer support as effectively! Glad I went with Haven Life.”
—Lemmy, Might 26, 2021
The web site is straightforward to overview. Protection degree I requested meant testing. That was somewhat clunky attributable to communication between their third occasion, however haven life brokers have been well timed with e mail communication. Total the speed was somewhat greater than anticipated, however glad to have the insurance coverage. Actually preferred utilizing the slider to find out the ultimate protection. After coverage issued, web site reveals a brand new perk so come so trying ahead to seeing what that’s about
Total buyer expertise was distinctive. Buyer Service agent (Qianqian) exceeded my expectation in aiding me with resolving a charge issues-expertise, product information, timeliness and follow-through have been A+.
The entire course of was straightforward although filling out the shape was lengthy. It was nice to know I used to be given choices to extend the quantity and the phrases. The month-to-month premium was cheap although I used to be anticipating a decrease charge. However I like that I obtained accredited after so many denied functions from completely different corporations. The customer support and the correspondence was nice as effectively!!! I’d say I discovered a haven in your organization, actually!
The method was very straightforward and ache free. Wonderful customer support as effectively! Glad I went with them.
Course of was environment friendly, in addition to, skilled. Customer support representatives, rapidly answered any questions, and resolved any points delivered to their consideration.
However, we’re not excellent
Thus far, we’ve helped 1000’s of individuals safe life insurance coverage protection, and we’ve obtained a near-perfect overview ranking from these prospects to point out for it.
We’re extraordinarily happy with that truth, however near-perfect will not be excellent. We all know there’s all the time room for enchancment. That’s why we’ll by no means cease listening, studying and making an attempt to do proper by our prospects. That’s our promise to you.
Whether or not its follow-up questions, extra cost choices or only a typo in an e mail, please tell us. We wish to be getting higher each day.
“Haven Life is nice. I had some points scheduling the medical examination, however apart from that, I’m more than happy with my expertise.”
—Ekow, June 5, 2019
I had a number of issues with my Haven expertise, which was particularly unlucky as a result of I selected Haven primarily based on its customer support repute.
First, after I submitted my software on-line, I used to be advised that a direct quote could not be supplied and I’d obtain one inside a couple of enterprise days. After per week with no follow-up from Haven, I contacted them and solely then did they notice they by no means supplied a quote.
Second, the primary accessible appointment for the medical examination was greater than three weeks after I lastly acquired a quote.
Then, the particular person despatched to take my blood pattern referred to as 45 minutes earlier than the appointment and mentioned she could not make it, inflicting me to waste a half-day of trip time. The lady was unable to reschedule for a number of days, after which arrived late on the second date.
Lastly, Haven elevated my quote 50% after the medical examination. Haven mentioned this was due to a historical past of gestational diabetes, however I had already disclosed that historical past previous to the preliminary quote in order that was not new data and will have been factored into the preliminary quote. Moreover, I am a nurse practitioner and my A1C was the most effective I’ve ever seen, so the historical past of gestational diabetes was not indicative of any fear relating to growing true diabetes inside the coverage time period.
For an organization that sells itself primarily based on customer support and straightforward functions, I discovered Haven to be fairly the alternative.
After signing up for the well being examination, and proactively calling to verify the appointment – the particular person scheduled to conduct the examination was a no-show. After calling again to see what occurred was advised that the particular person scheduled was truly not working that day. A waste of a complete work day and inconvenience of getting to quick. Haven Life’s response was sending me round a circle of auto responses with no decision after a number of makes an attempt on my half. I’ve since discovered one other life insurance coverage supplier who was a significantly better match and no well being examination was required attributable to my demographic data.
Haven life insurance coverage has good costs and make it straightforward to enroll, my criticism is their referral course of. I used to be referred to them by my father and their referral provide to him was not honored regardless that I used his hyperlink. I did this for my Dad then I noticed their costs and it’s actually reasonably priced so I’m pleased with them besides I by no means would have even signed up with out my Dad referring me. They need to do what they are saying and provides out referral bonuses in any other case folks like me would by no means understand how good of a life insurance coverage firm they’re !!!
I am lately new to Haven Life. I simply had my assembly with a medical expert lately and I have to go on report concerning the expertise. I dwell in Brooklyn and as despatched to the Midwood neighborhood (1222 Avenue M was the deal with, I consider). I arrived to my appointment and it was a shared workplace with 4 folks all at computer systems not carrying masks (indoors! in a PANDEMIC!!) and never social distancing. I froze and stood within the entryway with my masks on till I used to be advised which non-public workplace I may enter. My medical expert was laughing with one other medical expert a couple of third medical expert who used the improper needle for a blood draw on a special affected person. The setting, the habits of the medical experts and the expertise therewith was appalling. What are your protocols for medical experts? How do you implement them? As a result of this workplace and my expertise was atrocious. Please contact me to proceed the dialog.
The speed choices of Haven Life are extraordinarily aggressive, and the precise insurance coverage underwriting course of from starting to medical notifications, scheduling and receiving the coverage is strong. However the person expertise inside the web site is totally atrocious. The web site is a nightmare to navigate. Though I’d like to advocate Haven Life as an organization, I would not dare asking any particular person to navigate that buggie web site.
From quote by the applying course of to beginning your protection and past, Haven Life is dedicated to offering you with the perfect life insurance coverage expertise. To us, a policyholder is way over a coverage quantity, and whether or not it’s celebratory annual stories or no-cost bonus choices like an internet will or simply lending an empathetic ear, we’ve obtained your again. And that sentiment is all mirrored within the Haven Life critiques you have got learn.
See for your self what all the fuss is about by getting your free time period life insurance coverage quote now.
About Adam Weinberg
Adam Weinberg is the Model Director for Haven Life, the place he’s working arduous to make life insurance coverage straightforward. Adam is a artistic downside solver who makes use of distinctive model moments to create significant buyer experiences.
Adam has greater than a decade of various editorial, advertising and marketing, and branding expertise, together with work on a number of award-winning campaigns for varied digital media corporations.
Learn extra by Adam Weinberg
Our editorial coverage
Haven Life is a customer-centric life insurance coverage company that’s backed and wholly owned by Massachusetts Mutual Life Insurance coverage Firm (MassMutual). We consider navigating choices about life insurance coverage, your private funds and total wellness could be refreshingly easy.
Our editorial coverage
Haven Life is a buyer centric life insurance coverage company that’s backed and wholly owned by Massachusetts Mutual Life Insurance coverage Firm (MassMutual). We consider navigating choices about life insurance coverage, your private funds and total wellness could be refreshingly easy.
Our content material is created for academic functions solely. Haven Life doesn’t endorse the businesses, merchandise, providers or methods mentioned right here, however we hope they will make your life rather less arduous if they’re a match in your scenario.
Haven Life will not be approved to offer tax, authorized or funding recommendation. This materials will not be supposed to offer, and shouldn’t be relied on for tax, authorized, or funding recommendation. People are inspired to seed recommendation from their very own tax or authorized counsel.
Our disclosures
Haven Time period is a Time period Life Insurance coverage Coverage (DTC and ICC17DTC in sure states, together with NC) issued by Massachusetts Mutual Life Insurance coverage Firm (MassMutual), Springfield, MA 01111-0001 and supplied solely by Haven Life Insurance coverage Company, LLC. In NY, Haven Time period is DTC-NY 1017. In CA, Haven Time period is DTC-CA 042017. Haven Time period Simplified is a Simplified Problem Time period Life Insurance coverage Coverage (ICC19PCM-SI 0819 in sure states, together with NC) issued by the C.M. Life Insurance coverage Firm, Enfield, CT 06082. Coverage and rider kind numbers and options might range by state and might not be accessible in all states. Our Company license quantity in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Finest Firm as A++ (Superior; Prime class of 15). The ranking is as of Aril 1, 2020 and is topic to vary. MassMutual has acquired completely different rankings from different ranking businesses.
Haven Life Plus (Plus) is the advertising and marketing title for the Plus rider, which is included as a part of the Haven Time period coverage and presents entry to extra providers and advantages without charge or at a reduction. The rider will not be accessible in each state and is topic to vary at any time. Neither Haven Life nor MassMutual are chargeable for the supply of the advantages and providers made accessible below the Plus Rider, that are supplied by third occasion distributors (companions). For extra details about Haven Life Plus, please go to: https://havenlife.com/plus.html
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Very pleased with the entire course of from begin to end on my software. Solely space that may very well be improved is that my spouse additionally utilized and was rejected and we didn’t get a cause. She is a 30 yr previous feminine with none current circumstances so I used to be shocked.
The entire course of was seamless and straightforward. My software for time period life insurance coverage was all executed on-line. The charges are honest, and the folks at Haven Life appear to genuinely care about their prospects.
Finest life insurance coverage firm.
The method of getting life insurance coverage with you is a really easy course of. I actually preferred the best way you communicated by the method and have been on prime of the issues. I actually admire it. Thank You for my peace of thoughts and my household’s peace of thoughts.
Tremendous straightforward! I used to be laying aside buying life insurance coverage as all I wished was a time period coverage and was dreading the considered having to satisfy or communicate to a dealer and take care of the dreaded upsell techniques. Whereas researching choices, I stumbled throughout Haven Life and started trying into it. Thrilled that I did. I couldn’t have imagined a better, extra streamlined course of from starting to finish. Very straightforward course of and wonderful, easy-to-understand documentation on the positioning.