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Haven Life is one of NerdWallet's best life insurance providers for 2023.
Haven Life made our lists of the best term life insurance, best instant life insurance and best no-medical exam life insurance for 2023.

Haven Life offers term life insurance online in all 50 states and D.C., with a streamlined application process that takes about 25 minutes, and some policies that may go into effect on the same day.

Coverage is issued by MassMutual, one of the country’s oldest insurers, or its subsidiary C.M. Life, as a Haven Term policyholder.
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Haven Life

5.0

NerdWallet rating 
Haven’s online application process is quick and bypasses medical exams for some applicants.
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on Haven Life

Financial strength rating

Exceptional

Online purchase

Yes

NAIC complaints

Far fewer than expected

Policies offered

Term & no-exam
insurance-product-card-logo
Get A Quote
on Haven Life

Haven Life

5.0

NerdWallet rating 
Haven’s online application process is quick and bypasses medical exams for some applicants.

Financial strength rating

Exceptional

Online purchase

Yes

NAIC complaints

Far fewer than expected

Policies offered

Term & no-exam

Here’s what Haven Life offers

Haven Life accesses data and uses an algorithm and artificial intelligence to quickly evaluate applicants. The company offers two different types of term life insurance. Haven Life policies include an accelerated death benefit. In some cases, you can buy a waiver of premium rider, which means you wouldn’t have to continue paying premiums if you became totally disabled.
Haven Term
Provides up to $3 million of coverage for adults younger than 60 and up to $1 million for applicants ages 60 to 64. Some healthy applicants up to age 59 can qualify for up to $1 million in coverage that starts immediately. But in many cases, applicants must undergo a life insurance medical exam to secure coverage.
Haven Simple
Designed for those who prefer not to have a medical exam. It offers $25,000 to $1 million in coverage if your digital application is approved. Haven Simple isn't available to residents of California, Delaware, New York, North Dakota and South Dakota.
Accelerated Death Benefit
Allows you to tap part of the death benefit if you become terminally ill.

Haven Life customer satisfaction

Haven’s policies are issued by MassMutual or its subsidiary C.M. Life. Over three years, MassMutual has drawn far fewer than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

Additionally, Haven Life's parent company, MassMutual, ranked No. 9 out of 22 companies for customer satisfaction in J.D. Power's 2022 U.S. Individual Life Insurance Study.

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More about Haven Life

Additional services are offered through Haven Life Plus, a rider to Haven Term policies. Haven Life Plus isn't available in Florida, New York, North Dakota, South Dakota or Washington, and certain benefits are open to California residents.

Haven Life Plus includes access to:

• A digital service offered by Trust & Will to create an online will.
• A one-year subscription to Aaptiv, an audio-based fitness app.
• Timeshifter, a program that helps you create custom plans to avoid suffering from jet lag.
• LifeSite, an online safe deposit box, for you and up to five family members.
• A 15% discount on any single CVS MinuteClinic service.
• Lantern, a tool to document end-of-life wishes, including what happens to social media accounts.

Haven Life doesn’t have a mobile app. Beneficiaries can start a life insurance claim by calling 1-855-744-2836. After speaking with a representative, beneficiaries will be sent a claims packet in the mail.