Digital-first term life with fast same-day decisions, backed by MassMutual's A++ financial strength.
Get started at Haven Life (a MassMutual company) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Healthy buyers 18-64 who want quote-to-policy in under 20 minutes, backed by century-old financial strength.
Haven Life — Digital-first term life with fast same-day decisions, backed by MassMutual's A++ financial strength. Best for: Healthy buyers 18-64 who want quote-to-policy in under 20 minutes, backed by century-old financial strength.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Haven Life is geared toward healthy buyers ages 18-64 who want a fast, fully online process — quote to policy in under 20 minutes — backed by century-old financial strength. The maximum issue age is 64, so it is not a fit for older buyers.
Haven Life is a MassMutual company, and MassMutual holds an A++ rating from A.M. Best — among the highest financial strength ratings available. Since term life is a multi-decade contract, this carrier-solvency rating is a key reason Haven Life sits at the top of the digital-first tier.
Haven Life offers a no-medical-exam option for coverage up to $1M for qualifying applicants, and most healthy applicants get a same-day decision. Whether you qualify for no-exam underwriting depends on your age and health profile — confirm at havenlife.com.
Per Haven Life's published data, coverage ranges from $100K to $3M, with term lengths of 10, 15, 20, 25, and 30 years — windows that cover most household income-replacement and dependent-care planning needs.
You apply directly online at havenlife.com; the quote typically takes under 5 minutes. Pricing is not fixed — premiums vary by age, health, smoker status, term length, and face amount, and higher-risk health profiles can carry steep loadings. Get a personalized quote at the carrier to see your rate.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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