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Haven Life Review: Simple & Affordable Life Insurance

Diana Mason by Diana Mason
May 24, 2023 2:19 am CDT
in Other
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Death is an unpleasant subject to think about, but if it happened to you, would your spouse be able to financially support your family? Chances are, they’ll face difficulty making ends meet without you. If that’s the case, you should consider buying life insurance.

Do you need life insurance? Click here to find out.

Haven Life is a term life insurance provider that lets customers apply for and manage their life insurance policy online. In our review, we’ll cover Haven Life policies, features and costs, so you can decide if purchasing Haven Life insurance is right for you.

Haven Life Features

Most people are drawn to Haven Life because it allows you to easily apply for and manage a life insurance policy, without any need to interact with an agent. That means no commission fees, no up-selling and no hassle. If you do have any questions during the process, the company’s customer service can help.

Policy features include:

  • Level premiums. Your monthly payment will remain the same throughout the term.
  • Accelerated death benefit rider. If you become terminally ill, you can access a portion of the policy benefit early to assist with end-of-life medical care or other needs.
  • Disability waiver of premium rider (available in some states and carries an additional fee). If you become totally disabled from illness or injury, you don’t have to pay premiums during that time. If the disability extends beyond six months, a full refund will be issued.

Haven Life Insurance Policies

Haven Life offers term life insurance and term simplified life insurance. They don’t have any permanent life insurance options, like whole life insurance.

Haven Term

This flagship term life insurance policy is a good fit for most families. It’s easy on your budget, convenient to purchase and is accompanied by no-cost benefits. Haven Term is available in coverage amounts up to $3 million.

Product TypeMedically underwritten term life insurance
Medical ExamLikely, but not in all cases
Age Eligibility20 – 65
Coverage Amounts$250,000 – $3 million
Available Terms10, 15, 20, 25 and 30 years
PayoutTax-free lump sum
Additional FeaturesLevel premiums
Accelerated death benefit
Paperless processing
No obligation free look period
Haven Life Plus

Haven Simple

This term life insurance policy was created for those who want to skip the medical exam and don’t mind paying a little more for the convenience. Haven Simple is available in coverage amounts up to $500,000. This policy is not available for residents in CA, DE, SD, ND or NY.

Product TypeSimplified issue term life insurance
Medical ExamNo
Age Eligibility18 – 65
Coverage Amounts$5,000 – $500,000
Available Terms10, 15, 20 and 30 years
PayoutTax-free lump sum
Additional FeaturesLevel premiums
Accelerated death benefit
Paperless processing
No obligation free look period
Credit card payments accepted

Haven Life Insurance Cost

As with any life insurance, the cost will depend on several factors, such as:

  • The type of coverage you purchase
  • How long the coverage lasts
  • The coverage amount
  • Personal factors like gender, age and health

Below are some quotes for life insurance, pulled from Haven Life’s site:

Bottom Line

Haven Life is an excellent option if you’re looking to purchase affordable term life insurance online. It’s simple, it’s quick and it’s commission-free.

Ladder is another term life insurance provider. Their low-cost policies are flexible, and they’re backed by Fidelity Security Life Insurance and Hannover Life Reassurance Company of America. Ladder is currently offering a $50 cash bonus for every person you refer.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

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Diana Mason

Diana Mason

My passion for travel eventually led me away from the 9 to 5 office life and into the embrace of freelance work. Born in Cali and raised in Philly, I am a creative professional with a delightful knack for words. When I'm not gallivanting across the globe, you can find me writing (of course), teaching yoga, and dreaming of my next big adventure.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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