Term Life from Haven Life

Haven Life believes that technology offers an improved solution to the typically time-consuming and confusing process of buying life insurance. Our goal is to provide an easier, faster, just plain better way to get covered.

Simple online process. Immediate decision. Great insurance.

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Learn more about Term Life

Features of Term Life Insurance from Haven Life

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Up to $3 million in affordable term coverage

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Easy, online application that can be completed in minutes

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New customers have 10 days to cancel their policy and receive a full refund

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Backed and wholly-owned by MassMutual, an 160-year-old life insurer

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Friendly and knowledgeable customer support

More About Term Life Insurance

Term life insurance provides a simple and affordable way to provide for your loved ones in the event of your death. This type of life insurance lasts for a fixed period of time—typically 10, 15, 20 or 30 years.

Like other kinds of insurance coverage, term life guarantees a financial payout to your beneficiaries–a "death benefit"–in exchange for your regular monthly premium payment. The payout is often tax-free and paid in a lump sum.

Most term life policies (Haven Life included) offer guaranteed level premiums. This means that your monthly rate is locked in and will not change. For example, if your premium is $23/month when you sign up, then it will be $23/month the next month, and so on.

Frequently Asked Questions

What is Haven Life?
Haven Life is a tech-focused life insurance agency that offers affordable, fully medically underwritten term life insurance that you can purchase online.

What makes Haven Life different?
We let our customers tell us what's important and use that insight to provide a life insurance experience that makes life less hard for today's buyer.

Believe it or not, before Haven Life launched, if you wanted to purchase a fully underwritten term life insurance policy online, your options were limited. Maybe you could calculate your needs and receive a quote online, and perhaps even fill out part of an application. But after that, your application would be sent through traditional channels or a cumbersome call center process. It would then take you several weeks to find out whether or not you were approved while you waited for your coverage to begin.

With Haven Life, you can apply online and will receive a decision immediately.

What is Haven Life's association with MassMutual?
Haven Life is backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual) Springfield, MA 01111, a leading insurer with a long history of financial strength. Our relationship with MassMutual allows us to provide you with dependable protection, while still having the freedom to innovate.

What are some of the ways Haven Life makes applying for life insurance less hard?
We've built our site from the ground up with ease and transparency in mind. Our goal is to get you a real rate (not just a quote) for real policy options that you can really purchase online. We have multiple resources available to assist you in selecting and purchasing the right term life insurance policy:

  • Our Term Life 101 serves as a comprehensive guide to understanding term life insurance, what your individual needs may be and what to expect when applying.
  • The Haven Life blog offers information on some of life's (and life insurance's) biggest questions.
  • Quick Estimate allows you to get a range of rates for a term life policy and see other real policies for policyholders that are just like you.
  • You can use our free Needs Calculator to help determine your personal policy needs.
  • If you need help at any point during the process, our Customer Support Team is available via chat, phone (1-855-744-2836) or email (help@havenlife.com) to answer any questions you may have.

Who can qualify for a policy?
In order to be eligible to apply for coverage, you'll need to meet the following criteria:

  • U.S. citizen and resident
  • 18-64 years old
  • Not active military or in the process of enlisting
  • Not intending to use the policy for business purposes
  • Not planning to use the policy to replace another policy

Haven Term may not be right for customers with significant health concerns, such as diabetes. We invite you to apply regardless, but we may not be able to extend you an offer.

Where is Haven Life available?
Haven Life is available in all 50 states nationwide plus the District of Columbia.

What is Haven Life Plus?
Included with the Haven Term policy, the Plus rider offers additional benefits that customers can access the moment their policy is in force. Services include:

  • A yearly subscription to Aaptiv, a world-class fitness app with thousands of on-demand workouts and great playlists
  • An individual or joint will from Trust & Will, an online service for creating customized, state-specific, legally valid wills
  • A year subscription to LifeSite, a secure digital vault for storing and sharing important documents
  • 15% off any service at Minute Clinic, the appointment-free health clinic inside most CVS and Target stores

Haven Life Plus rider is not available in FL, NY, ND, SD and WA.

Can I replace a policy from another company with Haven Term?
At this time, we are not able to replace other life insurance policies with Haven Term.

This means that if you have another policy in force that you plan on cancelling and then purchasing the Haven Term policy, we aren't able to provide support.

Can non-US citizens apply?
Yes, Haven Term is available to U.S. residents and holders of certain visas. Please note that coverage for certain non-U.S. citizens is limited to $1,000,000 and requires a life insurance medical exam and a copy of supporting documents (i.e. Green Card, or visa that meets eligibility requirements) once the application is submitted.

Can I insure my child, parent or sibling?
Right now, you can only purchase a Haven Term policy for yourself. If you're trying to help a family member buy coverage, the best thing to do would be to explore Haven Life together, and then recommend they apply for a policy on their own. We'll be able to take it from there.

Am I eligible to apply if I live abroad?
Currently, all applicants must reside in the U.S. to be eligible to apply. If you are a U.S. citizen living abroad, unfortunately, this may not be the right policy for you.

Am I eligible to apply during pregnancy?
If you are currently pregnant, you don't need to wait to apply - pregnancy will not count against you in the underwriting process. The underwriters are able to use your pre-pregnancy weight to review your application, and in cases in which a medical exam is required, the underwriting team will also be aware that some lab results may be affected by pregnancy. Simply note your pregnancy in the appropriate places on the application and it will be reviewed.

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 OK71922 and in Arkansas, 100139527.