Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 3, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Brief

  • Haven Life offers term life insurance policies
  • It is backed by MassMutual
  • Haven Life currently holds an A.M. Best rating of A++

Shopping for life insurance can be a trial in patience. Most companies push you to contact agents directly and take weeks to get back to you on rates and approvals.

Haven Life is the antithesis of the traditional life insurance purchasing experience and offers a unique way to search for affordable Haven life insurance. The company is designed to be entirely online and makes buying term life insurance easier than ever.

Haven Life insurance provides two different term life insurance policies to suit your needs and aims to be affordable for anyone.

Are you ready to get started on your life insurance purchasing journey? Enter your ZIP code above, and we will pull up rates available near you and kickstart the process.

Who is Haven Life?

Founded in 2015, Haven Life is a young company designed with the customer experience in mind. The company founder, Yaron Ben-Zvi, wanted to make purchasing life insurance more straightforward.

To that end, Haven Life focused on providing more services online and quicker decisions. The result is an online company that deals exclusively with term life insurance. No-exam life insurance may be available, as well.

While the company may be young, it is paired with and wholly owned by MassMutual, one of the business’s oldest insurance providers. It currently has an A.M. Best rating of A++.

Having done business for 170 years, MassMutual is a trusted name in insurance, and its longstanding reputation has lent a great deal of authority to the start-up in its early years.

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Is Haven Life Insurance affordable?

The cost of any insurance is difficult to calculate, as it varies so much depending on the policyholder’s circumstances. If you are to look up average term life insurance rates, the graphs and data will vary from source to source.

That being said, Haven life insurance rates are not hard to come by; the company is fairly transparent about the cost of its policies and has a quick-quote tool that makes it easier to get an idea of prices.

To get a range, we put in the information below to get some sample Haven life insurance quotes for a 20-year policy of $250,000. Each quote came back with a range depending on our actual health, ranging from ‘average’ to ‘excellent’.

Here are the results:

Haven Life Sample Monthly Rates By Age & Gender
AgeFemale Sample Monthly RatesMale Sample Monthly Rates
30$14.99 - $22.22$17.43 - $26.71
45$29.64 - $46.53$38.16 - $59.49
50$41.23 - $67.33$56.49 - $88.97
64$161.58 - $257.99$256.10 - $392.30
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Based on these quotes, it would seem that Haven Life’s policies are reasonable and congruent with its advertising and promotional quotes on the site.

What policies does Haven Life offer?

Haven Life offers two different term life insurance policies; the Haven Term and Haven Simple.

Each plan is designed to fit a specific customer and both backed and funded by MassMutual or its subsidiary, C.M. Life Insurance company.

To improve the customer experience, Haven Life hosts its applications entirely on its site, aside from the medical exam where that is necessary.

Both policies come with a lump, non-taxed payouts, and accelerated death benefits, allowing you to access funds if you should need them before your death.

Haven Term

The company’s flagship policy, Haven term is designed to be a one-size-fits-all policy that works for anyone.

The plan is available for individuals aged 18-65 with coverage amounts from $100,000 to $3 million, based on eligibility.

This plan can start as low as $14.99 per month, depending on the policyholder’s term and health, and is funded by MassMutual.

Haven Life Plus

Haven Term also comes with the Haven Life Plus rider option in all states except Flordia, New York, North Dakota, South Dakota, and Washington, with limited access to the benefits in California.

This rider is designed to promote healthier living and help you to prepare your financials with ease. The rider includes:

  • A digital will from Trust & Will. The will is legal and functional and comes with one year of updates for no cost.
  • One year free subscription to Adaptiv, a fitness app with various on-demand workouts.
  • An unlimited jet lag plan with Timeshifter, which helps you to adjust your sleep schedule seamlessly after traveling.
  • A LifeSite Plus subscription for a year. This is an online vault for vital documents.

It also includes a 15 percent discount at any CVS minute clinic.

Haven Simple

Haven Simple is a no-exam life insurance policy. This means you don’t have to get a medical exam to be approved. It has shorter terms and lower payouts, offering terms of 5, 10, and 15 years.

The policy provides coverage from $25,000 to $500,000, funded by C.M. Life Insurance Company. This policy is available for individuals aged 20-55, still providing a fair amount of flexibility for those looking for a term life policy.

The Haven Simple policy is available in fewer states. The residents of California, Delaware, South Dakota, North Dakota, or New York are unable to apply.

The main draw of this policy is the option to go without a medical exam.

However, most no-exam policies are more expensive than their counterparts, as there is less medical information to bring down monthly costs.

Does Haven Life have a good reputation?

Considering how young of a company Haven Life is, its reputation is a big deal.

To that end, the company has done a lot to build customer confidence, moving away from commissioned agents to a user-friendly and quick online experience.

However, one of the best things that Haven Life did to secure its business as trustworthy is to be backed and owned by MassMutual.

MassMutual, or Massachusetts Mutual Life Insurance Company, is one of the most established insurance providers in the US, established in 1851.

It brings to Haven Life not only over a hundred years of experience but impressive financial stability, according to its A++ rating from A.M. Best.

On top of that, according to the NAIC (National Association of Insurance Commissioners), customers have only good things to say about the company.

MassMutual has a current complaint index of 0.05, which is well below the norm for a company of its size.

This would suggest that Haven Life insurance reviews are primarily positive, and customers are satisfied with the service provided.

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What additional products are offered by Haven Life?

Term life insurance is not all that Haven Life offers. It also has an annuity program called AgeUp, Income Replacement Coverage called Haven Secure, and Salary Protection.

Each of these programs is designed to provide additional coverage beyond life insurance or to assist your life insurance in providing support to your family after you’re gone.


This annuities program provides income for those who live past the age of 90. Those between the ages of 50 to 75 are eligible to apply and begin funding their policy.

That way, once you turn 90, you have a dependable source of income at your disposal to support you later in life.

This tool is essential as many life insurance policies expire around the age of 90, and AgeUp will allow you to make the most out of your money in the future if you outlive your existing policies.

Haven Secure

This income replacement program was made to replace a monthly income or match a monthly expense.

With this coverage, you aren’t so much planning for when the policy will be needed as you are planning for which expenses you want your family to have paid for them.

The policy is available in terms up to 30 years, with a minimum five-year payout. The minimum benefit is $1,000 per month, with the maximum being $8,000.

The payout begins with the policyholder’s passing and goes until the end of the policy’s term.

Payment Protection

This policy is very similar to Haven Secure. The main difference is in the specific payouts and terms.

Payment protection offers terms of either 10 or 15 years and offers a minimum payout of $1,000 and a maximum of $10,000 per month.

Haven Life Insurance: The Bottom Line

Haven Life is a young company with the powerful backing of MassMutual. It has a stable financial future because of this, and if you are planning on investing in a life insurance policy, this knowledge is essential.

Haven Life promotes its quick decisions, fully online applications, and excellent customer experience.

It would appear that customers are happy with these services, given the spectacular complaint index.

However, the company offers only one type of life insurance- term life insurance. If you are in the market for any other life insurance type, you may want to look elsewhere.

If you are looking to purchase term life insurance, Haven Life, with its two plan types and affordable premiums, might be just the place to start.

If you have decided to buy Haven life insurance, you’re now well prepared.

If you want to shop around, however, look at life insurance rates available near you. Enter your ZIP code below, and we will help you find more rates and companies to review.