Overview
| AM Best Rating | A++ (MassMutual) |
| Parent Company | MassMutual |
| Founded | 2014 |
| Headquarters | New York, NY |
| Best For | Best digital experience, instant approval |
| Term Rate (35M, $500K, 20yr) | $32/mo |
Pros & Cons
- ✅ 100% online application — no agents, no phone calls required
- ✅ Instant approval decisions for qualified applicants
- ✅ Backed by MassMutual (A++ AM Best — highest possible)
- ✅ Haven Simple: no exam up to $1M, instant
- ✅ Clean, modern digital experience
- ❌ Only offers term life (no whole life, no universal)
- ❌ Not available in all states
- ❌ Slightly higher rates than Protective or Banner
- ❌ Age limit: 64 for Haven Term, 55 for Haven Simple
Products Available
| Product | Coverage Amounts | Issue Ages |
|---|---|---|
| Haven Term | $100K–$3M | 18–64 |
| Haven Simple (no-exam) | $25K–$1M | 20–55 |
2026 Rate Samples
| Age / Gender | $250K, 20yr | $500K, 20yr | $1M, 20yr |
|---|---|---|---|
| 30, Male | $17/mo | $26/mo | $46/mo |
| 35, Male | $21/mo | $32/mo | $56/mo |
| 35, Female | $17/mo | $27/mo | $47/mo |
| 40, Male | $29/mo | $45/mo | $83/mo |
Our Verdict
Haven Life is the best choice if you want a completely online, no-agent experience with fast approval. The MassMutual backing means you're getting A++ financial strength behind a slick digital product. Rates are slightly higher than Protective but very competitive.
The bottom line: Haven Life is a solid carrier with strong financials. Whether it's the best choice for you depends on your age, health, and coverage needs. That's why we compare it against 19 other carriers before recommending it — sometimes it wins, sometimes it doesn't.
See If Haven Life Is Your Best Rate
We compare Haven Life against 19 other top carriers to find your lowest available premium.
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