Haven Life Insurance Reviews – Is Haven a Top 10 Company?

Do I need a medical exam?

Most insurance companies require you have a medical exam before they will approve you for coverage. 

Haven Life is quite unique in allowing people to apply totally online.  Once your application has been submitted you will be notified whether or not you need a medical exam.  If you are approved, you can purchase your policy which kicks in immediately.  Haven Life has policies up to 30 years and $2 million dollars.  If you need a medical exam, you will have a generous 90 days to get it done.

Should you have any questions or concerns, Haven Life offers customer support through live chat, via an email, or by phone.

About the Haven Life application process

Haven prides themselves on offering a very quick application process by getting data and using algorithms and AI (artificial intelligence) to immediately evaluate your application. It’s a quicker underwriting process compared to traditional methods.

If you are approved, coverage will begin immediately.  Also, some customers up to 45 years of age will not need a medical examination while others will have 90 days to complete the exam but will be offered a temporary coverage with an introductory cost for the time being.  That said, there are some applicants that will not receive temporary coverage until after the results of the medical exam come in and in some cases, you will only have 30 days to get the exam completed.

Once the results of the exam come in, the price will be finalized, if approved.  In some very rare cases, if a customer has been declined coverage after the exam or they choose not to accept the policy, the company will give them a refund.  If the applicant is approved after the exam, the coverage will go into effect immediately, as long as the customer still wants the policy.

Who should apply with Haven Life?

Anyone who needs a term life insurance policy but does not want to go through the drawn-out application process provided by other insurance companies.

Anyone who wants to get life insurance very quickly.

Haven Life company details

Name(s): Haven Life, MassMutual Financial Group, Massachusetts Mutual Life Insurance Company


1295 State Street
Springfield, MA 01111

Phone: 855-744-2836


Ratings:  A.M. Best (A++), Fitch (AA+), Moody’s (Aa2), Standard & Poor’s (AA+)

The financial strength of Haven Life

The financial strength of a life insurance company is critical for determining how well they pay on claims.  If the company’s financial strength is not good, it could take many, many years after a policy was purchased.

Haven’s parent company is MassMutual which has a “superior” rating with A.M. Best.

How is MassMutual associated with Haven Life?

MassMutual (Massachusetts Mutual Life Insurance Company) backs and owns Haven Life. The relationship that MassMutual has with Haven Life provides a combination of financial protection and stability coupled with innovation.

Haven Life Insurance reviews

The bottom line is that Haven Life provides life insurance shoppers:

  • A very fast application and approval process.
  • No medical exams are required for some people.
  • Offers competitive term life rates but does not offer permanent life.

Final thoughts

Hopefully, you have learned a lot about Haven Life Insurance and will entice you to look into their policies before making a final decision on a life insurance policy.

Will Haven Life provide you the best rate?

It’s hard to say, because each carrier looks at you differently. That’s why we’ve put together dozens of reviews of the top life insurance companies in the USA.  Is Haven better than National Life Group or AAA term life insurance? What about Nationwide life insurance reviews? We’ve reviewed them all and more.

If you’d like help or have any questions, let us know. We’ll help you find the best company that you can qualify for and we’ll even shop your case after your approval- just to be sure you’re getting the best rate.

To learn more about life insurance, make sure to visit our page Life Insurance 101 or find out how much you may end up paying for coverage on our Life Insurance Rates by Age page.

Haven Life Insurance Reviews

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