See RatesSecure site · Updated July 2026
- Sample monthly premium
- From $17/mo
- Coverage amount
- $100K–$3M
- Term lengths
- 10–30 yrs
- No-exam option
- Yes
Why it stands out
Haven Life highlights
- Instant decision for many healthy applicants under 60
- No-exam Haven Simple option up to $1 million in coverage
- Policies issued and backed by MassMutual, rated A++
- Free Haven Life Plus rider bundles a will and other perks
The verdict at a glance
Pros and cons
Pros
- Fully online application takes about 20 minutes
- Backing from a 170-year-old insurer with an A++ rating
- Coverage up to $3 million for those who qualify
Cons
- Term only, so there is no whole-life or cash-value option
- Applicants over 64 are not eligible for a new policy
Our full review
Our take on Haven Life
Haven Life sells straightforward term policies online with the financial muscle of MassMutual behind every payout. Qualified applicants can skip the medical exam entirely and get an instant decision, which is why it lands at the top for people who want real coverage without a two-week wait.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Haven Life’s own site before you apply.
The alternatives
How Haven Life compares
Other top-rated insurers in Life Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Ethos | From $12/mo | Buyers who want to skip the medical exam | Get Quote | |
| 2 | Bestow | From $11/mo | Young, healthy buyers on a tight budget | See Rates | |
| 3 | Ladder | From $14/mo | People whose coverage needs will change | Get Quote | |
| 4 | Fabric by Gerber Life | From $15/mo | Parents building a full safety net | See Rates |
- Ethos4.8Best for Buyers who want to skip the medical exam
- Bestow4.6Best for Young, healthy buyers on a tight budget
- Ladder4.5Best for People whose coverage needs will change
- Fabric by Gerber Life4.4Best for Parents building a full safety net