Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Feb 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 60 Madison Ave, 7th Floor
City: New York City
State: New York
ZIP Code: 10010
Phone Number: 1-855-744-2836
Year Founded: 2014
AM Best Rating: A++
Company Rating 0 (0 reviews)

Haven Life Insurance Company is connected to one of the best life insurance companies in the United States. Although Haven Life is connected to a major company, Haven Life insurance quotes are available on its own website.

How do you find Haven Life insurance rates? Continue reading this guide to learn more about Haven Life, how much its life insurance costs, the company’s third-party ratings, and much more.

If Haven Life insurance doesn’t have what you’re looking for, enter your ZIP code in the free comparison tool to compare multiple companies in your local area.

Haven Life Insurance Products

Haven Life has annuities and term life insurance policies. AgeUp.Com manages the company’s annuity program. Below are the life insurance products offered:

  • Haven Term – Haven’s traditional term life policy is described as “medically underwritten term life insurance.”
  • Haven Simple – If you want a term life policy without a medical exam, you can choose this policy.
  • Haven Secure – This term life policy issues monthly payouts (up to 30 years or depending on your term life policy) to beneficiaries if the policyholder suddenly passes away.
  • Haven Salary Protection – It’s similar to Haven Secure, but the payments are equal to the amount of the policyholder’s paycheck when they passed (can last up to 15 years and is a minimum of five years).

No exam life insurance could cost more per month. However, you can still get access to affordable Haven Life insurance. It all depends on your age, coverage amount, and health.

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How much are Haven Life insurance rates per month?

To give you an idea about Haven Life costs, we explored how Haven Life insurance reviews various factors that determine your term life insurance. Let’s examine how much Haven Life insurance costs depending on these rates.

Average Monthly Haven Life Insurance Rates by Age, Coverage Amount, and Term
Non-Smokers' Ages10-Year Term Life Insurance Monthly Rates with $100,000 Death Benefit10-Year Term Life Insurance Monthly Rates with $250,000 Death Benefit10-Year Term Life Insurance Monthly Rates with $500,000 Death Benefit20-Year Term Life Insurance Monthly Rates with $100,000 Death Benefit20-Year Term Life Insurance Monthly Rates with $250,000 Death Benefit20-Year Term Life Insurance Monthly Rates with $500,000 Death Benefit
25$8$10$13$9$13$18
30$8$10$13$9$13$19
35$8$10$13$9$14$20
40$10$13$18$11$18$28
45$11$17$27$15$27$44
50$15$24$39$21$39$68
55$20$36$62$31$60$107
60$31$57$100$52$101$182
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The cheapest life insurance rates go to people who are between 25 and 35 years old. Sixty-year-old policyholders with a 20-year term and $500,000 death benefit have the most expensive policy.

What are Haven Life’s financial strength, credit ratings, and customer satisfaction reviews?

Before you buy Haven Life insurance, you should know about its third-party ratings. Why are third-party ratings important? These ratings are unbiased measurements of an insurance company’s financial and customer feedback performance.

We collected ratings from the most reliable agencies and compiled them into a single data table. Let’s look at the third-party ratings below.

Haven Life Insurance Customer Satisfaction, Financial Strength, and Credit Ratings
AgenciesRatings
AM BestA++ (Superior)
FitchAA+ (Very High Quality)
Moody'sAa3
S&PAA+
J.D. Power Overall Customer Satisfaction769 (3 out of 5 Power Circles)
National Association of Insurance Commissioners (NAIC) Complaint Index0.05
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According to AM Best, Fitch, Moody’s, and S&P, Haven Life has a stable financial rating and low credit risk through MassMutual – Haven Life’s parent company. This means Haven Life carries low investment risk. It also means that Haven Life has a superior ability to meet obligations to its customers.

J.D. Power and NAIC’s ratings show customer satisfaction ratings. J.D. Power’s overall customer satisfaction reveals how the company ranks with similar life insurance companies across the United States.

What about NAIC Complaint Index? The Complaint Index or Complaint Ratio shows the rate at which an insurance company had complaints. The average ratio is 1.00, but Haven Life has an index of 0.05.

What is Haven Life Insurance Agency Inc.?

The Haven Life Insurance Agency Inc. was founded in 2014 by Yaron Ben-Zvi and Heather Ben-Zvi. In 2015, Massachusetts Mutual Life Insurance Company (MassMutual) acquired Haven Life.

Although MassMutual provides several types of life insurance policies, Haven Life only offers term life policies.

Exclusively providing term life insurance policies is one of the disadvantages Haven Life has, but an advantage of Haven’s life insurance policies are cost-efficiency, especially for people in their mid-20s to late-40s.

You can get a term life policy of up to 30 years at Haven Life. Also, you get to buy Haven Life insurance death benefits up to $3 million.

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Haven Life Insurance: The Bottom Line

Overall, Haven Life is a reliable life insurance company with connections to one of the most prominent life insurance companies in the United States. However, you won’t be able to buy whole life insurance with the New York-based company.

Take advantage of riders and customize your life insurance policy to fit your needs. Always ask questions before making your final decision. Although Haven Life has excellent ratings, you have to ensure it suits your budget.

You can get a direct life insurance quote from the Haven Life website, but you can get life insurance quotes from multiple companies in your area right now by entering your ZIP code in the free online quote tool.

Frequently Asked Questions: Haven Life Insurance

#1 – Is Haven Life Insurance a good company?

Haven Life has excellent financial strength and credit ratings, which compete with some of the best life insurance companies in the United States.

#2 – Does Haven Life require a medical exam?

It depends on your policy. The Haven Simple policy doesn’t require a medical exam, but this may lead to higher rates.

#3 – What is the most reliable life insurance company?

In J.D. Power’s 2020 Customer Satisfaction study, State Farm is ranked number one, but MassMutual and its subsidiaries are ranked ten. So the most reliable company would be State Farm, but MassMutual still has a fair ranking.

#4 – What does Haven Life not have?

Haven Life does not carry whole life or universal life insurance.

#5 – How much is a 500k life insurance policy at Haven Life?

It depends on age, but a ten-year term can cost up to $100 per month. A 20-year term could cost up to $182.