The Detailed Haven Life Insurance Review You Need to Read

Want to know more about Haven Life? This Haven Life review provides coverage options, pros and cons, and FAQs about their life insurance policies.
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Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: May 30th, 2023

Reviewed by Nick Fenske
Licensed Insurance Agent

Haven Life Insurance

Haven Life is an online insurance company founded in 2014 that offers individual term life coverage to U.S. residents up to 64 years old and not in active military service or in the process of enlisting. It is headquartered in New York and is licensed to operate in all 50 states.

Haven Life was built to make insurance more affordable and accessible to all. It provides coverage issued by MassMutual or its subsidiary C.M. Life, which are both rated A++ by A.M. Best.

Ratings for Haven Life insurance are mostly positive.

Those who gave positive Haven Life insurance reviews like that some non-U.S. citizens are eligible for coverage and that InstantTerm does not require a medical exam.

On the other hand, those who gave negative Haven Life insurance reviews did not like that it caps coverage at $3 million and is not available to applicants who are over 65 years old.

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Coverage Options

Haven Life insurance products may be purchased online, and those who are interested in a term life policy may be eligible for either Haven Term or Haven Simple. We explain the terms of each type of life insurance policy below.

Haven Term

Haven Term life insurance is medically underwritten and is available to applicants nationwide up to age 64. This policy covers as much as $3 million and premiums may be paid in 10, 15, 20, 25, and 30-year terms. Additional features include level premiums, paperless processing, accelerated death benefit, and a no-obligation free-look period. Payout is via a tax-free lump sum.

Haven Simple

Haven Simple life insurance is a simplified issue term life plan that never requires a medical exam. It is available to applicants ages 20 to 55 years old, with coverage ranging from $25,000 to $500,000. Policyholders may pay in 5, 10, 15, and 20-year terms. However, it is not available to residents of California, Denver, South Dakota, North Dakota, or New York. It offers the same additional features as Haven Term and payouts are made as a tax-free lump sum.

What is InstantTerm?

InstantTerm is Haven Life’s unique underwriting process that provides instant coverage for qualified individuals up to 59 years old and are applying for as much as $1 million in coverage. It is not available to non-U.S. citizens. All policies issued with this algorithm are medically underwritten, backed and issued by MassMutual.

Pros and Cons of Haven Life Insurance

Considering Haven Life for your life insurance policy? Below are several pros and cons of choosing Haven Life as your life insurance provider.


  • Term products are available to some non-U.S. citizens. Holders of certain visas may be eligible for coverage that is limited to $1,000,000 and requires a life insurance medical exam along with copies of supporting documents (Green Card or visa)
  • Offers policy riders (Haven Life Plus, accelerated death benefit, and waiver of premium in eligible states)
  • Temporary coverage is available to some while you wait for medical exam results
  • Offers no-medical-exam coverage via InstantTerm
  • Mostly positive reviews online


  • Free-look period is only up to 10 days (whereas other providers have a 30-day free-look period)
  • InstantTerm no-medical-exam coverage is not available to non-U.S. citizens
  • Can only obtain coverage for yourself; cannot insure parents, children, and siblings
  • The HavenSimple product is not available to residents of CA, DE, SD, ND, or NY

Haven Life Insurance Reviews & Ratings

Is Haven Life insurance good? Haven Life is listed as having 4.5 out of 5 stars on Google reviews. We also found mostly positive Haven Life reviews from various online sources and review sites. Let’s take a look at what some of these Have Life reviews say.

Positive Haven Life Insurance Reviews

Those who gave positive Haven Life insurance policy reviews said that its application process is seamless and straightforward and that they provide great customer service. The positive reviews constantly mentioned the fact that Haven Life offers coverage to those who are not U.S. citizens and offers policy riders, unlike many other term life insurance providers.

“I applied with Haven Life in January and the process was very smooth! My situation required Haven Life to get medical files from Kaiser and also required additional questions. The user interface was easy, I’d get a message with a secure link that I could use to respond to the various questions. Very easy process and would recommend.” – Julianna D. (Google Review)

Negative Haven Life Insurance Reviews

Some of those who gave negative Haven Life reviews said that their application took a long time to be processed, especially for policies that require a medical exam. Others complained that its website often experiences bugs, making the online application process annoying at times.

“Where to start? The process took a lot longer than expected, I think close to 8 months. It had to be restarted twice, the medical exam needed to be rescheduled, additional signatures for medical records were needed, etc. It was frustrating, but the staff were courteous which made it better. Now why did this take so long? Well, I have a medical history, and you are kidding yourself if a company will pay out a policy without checking who they are covering. So, yes, unless you have no health issues whatsoever, expect them to check you properly — which is not a bad thing!  Would I recommend them? Yes. Would I caution that it may take a while to get coverage? Yes.” – Jose O.M. (Google Review)

Haven Life Insurance Frequently Asked Questions (FAQs)

Here are some of the common questions that Haven Life applicants and customers ask:

Does Haven Life offer term life insurance to non-U.S. citizens?

Yes, it is available to U.S. residents and holders of certain visas. Coverage for non-U.S. citizens is capped at $1 million and applicants will need to go through a medical exam and submit supporting documents, such as a Green Card or visa that meets eligibility guidelines.

Does Haven Life pay out?

Haven Life is associated with MassMutual, an insurance provider that has A++ ratings on A.M. Best, which indicates its healthy financial standing. Beneficiaries can file a claim with ease and then receive payouts as a tax-free lump sum. You can name up to 10 primary beneficiaries and 10 contingent beneficiaries. You can change or add to this list whenever necessary.

How do you file a claim when the insured person passes away?

In the event of the policyholder’s death, someone close to the person should call Haven Life’s policy service center to report a claim. Have the following details on hand during this call:

  • Relationship to the deceased plan holder
  • Policy number
  • Personal details about the insured and the beneficiary (ex. Social Security Number)
  • Final death certificate

Have more questions about Haven Life or life insurance in general? Insurancy can connect you with the best policy that meets your needs.

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