Simplified 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. After answering a few questions about yourself in our convenient digital quoting portal, you can purchase coverage ranging from $25,000 to $1,000,000. No medical exam is needed to purchase a policy. With numerous Term Length Options for applicants ages 20-55, Haven Life has a policy to fit every need.

Learn more about Simplified Term Life Insurance

Features of Simplified Term Life Insurance from Haven Life

No medical exam for coverage up to $$1,000,000

Easy, online application that can be completed in minutes

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

Accidental Death coverage

Backing of MassMutual, a 172-year-old life insurer

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 find out immediately if you're approved for coverage.

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 ( to answer any questions you may have.

Who's eligible for a Haven Term Simplified policy?

In order to be eligible to apply for coverage, you'll need to meet the following criteria:

  • U.S. citizen and resident
  • 20-55 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
  • Have earned income

Haven Term Simplified may not be right for customers with significant health concerns, such as diabetes.

How much coverage can I apply for with Haven Term Simplified?

The coverage amount offered is between $25,000 - $1,000,000.

Haven Term Simplified has a max term length of 20 years for people ages 20-55.

What are some of the features of the Haven Term Simplified policy?

  • Level Premium Your monthly rate will remain the same throughout the duration of your term.
  • The Accelerated Death Benefit Rider is included with the Haven Term Simplified policy. In the unfortunate event you become terminally ill, it allows you to receive an advance of your policy’s death benefit while still alive. If exercised, an administrative fee is charged.
  • Commission-Free Haven Life does not receive commission from your (or anybody else’s) policy.
  • Renewability Renew your policy on an annual basis after your term has expired.
  • Paperless Processing An end-to-end digital process.

Why is Haven Term Simplified generally more expensive than Haven Term?

Haven Term Simplified rates are more expensive than medically underwritten rates (Haven Term) because this is a 100% no-medical-exam life insurance product.

Life insurance medical exams are valuable since the more information you provide, the less risk the insurer is taking on and the more affordable pricing can be.

If you are willing to take an exam, you may potentially qualify for a Haven Term policy at a better rate. We welcome you to apply for a Haven Term policy:

Where is Haven Simplified Term available?

Haven Term Simplified is currently offered in all states except: NY, CA, DE, ND, and SD.

*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 September 15, 2016, and is subject to change. MassMutual has also received high ratings from other rating agencies.