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Haven Life

Haven Life Insurance Agency Overview

Haven Life’s online application with integrated accelerated underwriting is the fast track to getting you covered.

Haven Life Customer Service: (855) 744-2836

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Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

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Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

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No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

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As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $37 billion in coverage. That's a lot of happy customers.

Haven Life Company Overview


New York, NY

Parent Company

Massachusetts Mutual Life Insurance Company






New York, NY

Parent Company

Massachusetts Mutual Life Insurance Company





Haven Life Ratings & Awards

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A.M. Best Better Business Bureau J.D. Power Moody’s Standard & Poor’s
A++ A+ 787 Aa2 AA+

Haven Life was established in 2015, and is owned by Massachusetts Mutual Life Insurance Company (MassMutual), a life insurance company with 160 years of industry experience. The ratings listed are for MassMutual as Haven Life has not been independently rated as of March 2018.

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

fintech breakthrough award 2

In 2017, Haven Life won Fintech’s Breakthrough Award for
Best Insurtech Solution.

Image of Benzinga logo.

In 2020, Haven Life recognized as Best InsurTech during Benzinga’s Sixth Annual Global Fintech Awards.

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Haven Life is a good choice for:

  • Accelerated Underwriting
  • Healthy Individuals
  • Non-U.S. Citizens
  • Busy Parents
  • Digitally Savvy Applicants

Policy limitations:

  • Cannot be converted to a permanent product.
  • Cannot be bought to replace an existing policy.
  • Cannot be bought by those on active military duty.
  • Cannot be bought to insure a business.

Haven Life’s accelerated underwriting is ideal for those with lower risk—if policy limitations don’t apply.

Haven Life Comparison Quotes

Haven Life Term

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70

Cincinnati Life

$23.32 $33.00 $81.40 $245.52 N/A $19.80 $28.60 $65.12 $183.92 N/A


$18.99 $28.72 $69.93 $203.22 $851.76 $16.03 $24.08 $54.92 $141.38 $701.00


$23.95 $32.50 $76.10 $230.85 N/A $20.95 $29.95 $60.75 $162.05 N/A

Haven Life

$19.05 $28.42 $151.01 $545.83 N/A $15.16 $24.11 $106.19 $468.41 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$27.94 $39.03 $77.35 $203.11 $799.59 $23.50 $30.70 $58.43 $143.90 $705.59

Pacific Life

$19.10 $28.87 $70.33 $200.75 N/A $16.12 $24.18 $54.89 $142.21 N/A


$19.77 $29.39 $72.04 $203.13 N/A $16.76 $24.82 $56.09 $143.91 N/A


$19.08 $28.45 $70.30 $200.73 $790.32 $16.11 $24.16 $54.86 $142.18 $697.36


$34.56 $43.75 $89.25 $273.88 N/A $28.00 $40.25 $77.88 $187.69 N/A

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A


$19.09 $28.46 $70.31 $200.74 N/A $16.11 $24.17 $54.86 $142.20 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.70 $32.75 $76.55 $230.45 $924.25 $17.47 $27.68 $67.43 $161.32 $699.89

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Haven Life Features & Benefits

What we like

  • Includes Accelerated Death Benefit Rider at no charge.
  • Some applicants may not need a medical exam—if they qualify for accelerated underwriting.
  • Your medical exam can be done at home or work.
  • You can review your medical exam results online.
  • You can manage your policy online.


What’s missing

  • Cannot be bought to replace an existing policy.
  • Cannot be bought by those on active military duty.
  • Cannot be bought to insure a business.
  • Cannot be converted into a permanent policy.
  • Does not offer a Child Rider.
  • Credit card payments are not accepted.

Haven Life Policy Bonus

Haven Life offers protection beyond life insurance. If you have a policy through Haven Life, you will also have access to Haven Life Plus which provides benefits to help improve your life.

haven life plus trust will 1

You can create a legal will at no cost.

haven life plus life site 1

You get a subscription to a secure online safe deposit box at no cost.

haven life plus minute clinic 1

You receive 15% off on any CVS MinuteClinic service.

Haven Life Policy Details

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Haven Term
Guaranteed level premiums? Yes
Term lengths available: 10, 15, 20, 30*
Premiums returned at end of term? No
Riders available: Accelerated Death Benefit, Premium Waiver for Disability
Accumulates cash value? No
Policy loans available? No
Minimum issue age: 18
Maximum issue age: 65
Minimum face amount: $100,000
Missed payment grace period: 30 days**

*10-year term available for ages 18-65; 15-year term available for ages 18-65; 20-year term available for ages 18-65; 30-year term available for ages 18-50.

**State of issue, payment mode, and draft date can affect the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

Haven Life Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


This rider is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in 12-24 months or less to live.

Premium Waiver for Disability

*Available at additional cost

Haven Life will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

The Fine Print

Guidelines & Exclusions

Accelerated Underwriting

Haven Life offers an InstantTerm product that can provide immediate coverage for qualified applicants up to age 45. Technology is used to analyze your application to determine your eligibility. If underwriting determines that a medical exam is necessary, the lab test results may cause your policy price to increase or your application to be declined.

Haven Life Plus

  • Haven Life Plus is a rider and not available in Florida, New York, North Dakota, South Dakota and Washington.
  • Trust & Will is not currently available to residents of Washington, Missouri, or North Carolina.
  • LifeSite cannot see and does not share any of your personal information, or any of the documents you store, with Haven Life or MassMutual.
  • MinuteClinic discount cannot be used for items or services purchased with health or other insurance.

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 Term Product Disclosure

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.

InstantTerm Disclosure

Not all applicants will qualify for this ‘InstantTerm’ approval process and that Issuing the policy or paying its benefits depends on the applicant’s insurability, based on their answers to the health questions in the application, and their truthfulness.

A.M. Best Disclosure

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). The rating is as of December 9. 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.