Haven Life – Winner of the Real Simple Smart Money Awards


Haven Life is an online direct-to-consumer life insurance agency wholly owned and backed by MassMutual that offers term life coverage that’s algorithmically underwritten; no medical exam is necessary!

Haven Life offers customers a waiver of premium rider and an accelerated death benefit option; customers have given Haven Life high marks in Google reviews.

Real Simple Smart Money Awards

Real Simple Smart Money Awards is an annual selection of innovative apps and tools that make managing money easier. Winners were chosen by a panel of personal finance experts and debuted or were updated between January 2021 and June 2022. Notable winners include Bestow, an innovative digital life insurance agency that makes purchasing policies faster than making coffee! Plus, it offers subscription benefits.

New York-based firm RelyOn utilizes technology to simplify life insurance applications, offering term policies from MassMutual that are more cost-effective than those from traditional insurers. TrustPilot and Better Business Bureau reviewers also rated RelyOn highly.

Haven Life is an innovative life insurance agency owned by MassMutual that seeks to make life insurance more accessible and cost-effective by capitalizing on existing resources and technology from MassMutual’s parents. Haven Life’s innovative approach to life insurance has changed how people think about and purchase coverage for life events.

Haven Life has received many honors in addition to winning Benzinga’s Best InsurTech award, including being honored as an exceptional work environment by Fortune and Great Place to Work and Built In NYC as one of their Top Workplaces. Furthermore, its robust corporate social responsibility program was recognized with a 100 percent score on Ethisphere Institute’s Sustainability Index.


Haven Life is revolutionizing how people purchase and utilize life insurance, creating personalized purchasing experiences with its digital products that delight users. Furthermore, Haven prides itself on forging meaningful relationships with its customers and helping them make intelligent decisions about their financial security. This approach has earned Haven the Benzinga Best InsurTech award and placed them as one of New York City’s best workplaces.

Haven is a direct-to-consumer life insurance provider offering affordable, easy-to-manage term life policies online at competitive rates. Their application process is quick, with most applicants not needing medical examinations to qualify, with coverage up to $500,000 (significantly higher than many competitors’ coverage limits). They also offer additional services, such as Life + and their partnership with Lantern which helps users plan for end-of-life affairs and manage bucket lists.

Haven Life may be a relatively new life insurance provider, but it is backed by MassMutual, an established life insurer with more than 160 years of experience. MassMutual boasted strong credit ratings and was given high marks from J.D. Power 2022 U.S Individual Life Insurance Study, which measures customer satisfaction and service quality. Furthermore, Haven Life boasts a positive history, with Better Business Bureau receiving only two complaints during three years.


Haven Life is a digitally-focused customer-centric agency. They aim to offer modern life insurance customers exceptional purchasing experiences, meaningful service moments, and extraordinary products. Backed by MassMutual and offering both term and whole life policies through Trust & Will, they also provide estate planning services.

Their online application process makes it simple and fast to obtain quotes, apply for coverage and receive decisions, making them an excellent option for those needing life insurance with medical conditions or who cannot secure traditional policies. Their fast turnaround for medical conditions makes them even more reliable for life coverage. Although this company does not provide permanent life coverage or guaranteed issue policies, its short-term policies could be a suitable alternative solution – for those needing coverage in an immediate crisis without permanent or guaranteed issue policies.

Haven Life scored 780 out of 1000 on J.D. Power’s 2022 U.S. Individual Life Insurance Study – higher than the industry average of 774 – which indicates customer satisfaction with both product and service provided by MassMutual – their parent company with over 160 years of offering life insurance in America, earning them an A+ rating from Better Business Bureau.

Newsweek is an innovative publication with high ratings, profitable operations, and 250 staffers in the United States and the United Kingdom. Its editorial stance tends toward being more liberal than Time; however, one technology vendor recently filed suit alleging Newsweek failed to pay hundreds of thousands in backdated fees owed.


Haven Life is an innovative digital direct-to-consumer life insurance agency owned and managed by Massachusetts Mutual Life Insurance Company (MassMutual). Offering term life policies without medical exams or taking an application 20 minutes for approval – with live chat customer service to support them.

Haven uses an innovative form called “algorithmic underwriting” to make its coverage decisions. This form uses third-party data combined with information submitted by applicants to offer quotes to nearly everyone who applies. If an applicant needs medical exam arrangements with one of Haven’s partners, like ExamOne or Quest Labs, Haven will help coordinate them.

The company provides an accelerated death benefit rider for part of the death benefit if someone is terminally ill with 12-24 months to live. This money can be used for medical expenses or any final death-related costs.

Haven is a relative newcomer in the life insurance industry, yet it is backed by MassMutual, which has been operating for over 150 years. MassMutual boasts excellent financial strength and customer reviews – it was awarded “Benzinga Best InsurTech Company 2020.” Additionally, Haven was recognized as an exceptional place to work by Great Place to Work and Fortune for both individuals working there and potential employees alike.