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      February 24, 2020

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Haven Life Review

To help you find the Best Life Insurance, TopConsumerReviews.com provides you with an in-depth Haven Life Review.

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Get Your Life Insurance Policy from Health IQ Today! Where can you find the best Life Insurance? It may not always be at the forefront of your mind, but the payment of a death benefit to your beneficiaries is an important decision we make for loved ones. A life insurance payout provides financial protection to dependents once we have passed on. These funds might be used for covering basic family expenses like mortgage payments, tuition, car loans, funeral costs, and much more. Essentially, life insurance policies help beneficiaries survive financially until they can get back on their feet without us.

It's estimated that about 40% of Americans don't have life insurance. In very few cases this accounts for individuals without beneficiaries or people with lots of assets that could easily be sold. However, most people without life insurance simply misunderstand the reasons for needing it and how affordable it actually is. Since people are living longer and healthier, life insurance is becoming less expensive than ever. Quite a bit of life insurance can be purchased without breaking the bank.

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2020

Life Insurance Reviews

4 stars
Haven Life

HAVEN LIFE

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There isn't a whole lot to the Haven Life website besides providing information about life insurance policies and quickly providing quotes to users. (But that's what you're wanting from the company anyways, right?) They are backed by Massachusetts Mutual Life Insurance Company (MassMutual), which has been around for over 160 years. Haven Life is both reputable and reliable when it comes to providing fast and easy quotes to individuals and families looking for life insurance policies. Even the Better Business Bureau gives this company an A+ rating.

Right away, you'll find the Haven Life website displays a form asking your gender, birthday, nicotine usage, overall health rating, state of residence, and what type of policy you're looking for. These few questions will lead you to a fast quote with an estimated dollar amount you'd spend per month based on your answers. To get a real, accurate quote, you can opt to go through the full application process. You'll need to know the following things to complete the full application:

  • Driver's License number and expiration date
  • Social Security Number
  • Current height and weight
  • Personal and family medical history

Applicants are selected at random to verify their information, so they can ensure that people are honest with their application - though Haven Life doesn't go into more detail as to how that verification takes place (e.g. medical exam, submitting records from your primary care physician, etc.). In order to know your exact life insurance needs, it is recommended that you use their life insurance calculator. Based on just 11 questions, an estimated dollar amount provided for how much life insurance you might need to meet your coverage needs. From there you can choose the best life insurance policy option after your application is submitted.

Although they are not always the most inexpensive when compared to other companies, Haven Life has competitive rates. Their sometimes higher premium costs could be due to the fact that their approval process is much faster than other companies. For customers who need additional information before biting the bullet on a life insurance policy, Haven Life provides one of the most thorough FAQ pages we've seen among life insurance providers. You can learn just about everything you need to know from this page, from medical exam procedures to life insurance riders.

We appreciate the streamlined process of getting quick quotes and full policy options from Haven Life. They are both transparent and helpful for customers who may otherwise feel lost in the search for life insurance. Their backing by MassMutual and ease of use makes us confident in recommending them as one of the best life insurance policy companies on the market.

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Continued from above

It's suggested that individuals evaluate their life insurance policies yearly to make sure their coverage is sufficient for future needs. Premium costs are determined based on age, current health and health history, and occupational hazards. Depending on the policy, you'll typically be paying premiums either monthly or annually. Finding the best policy for you is quick and easy with online tools that connect you to the right company and terms for you and your loved ones.

Before signing up for a new life insurance policy, we suggest you keep the following criteria in mind when choosing a program:

  • Cost. There are lots of companies offering life insurance. Make sure you get a competitive price that allows you to put money toward your policy without interfering with your other expenses.
  • Insurer. Is the company you're buying from reputable? Are they going to be around for the duration of your policy? This is one of the most important things to look into before buying into a new life insurance policy.
  • Convenience. Find a company that helps you understand exactly what your policy entails. It's important that they cater to you in both signing up and maintaining your policy. Check if you can make electronic and/or automatic payments and easily contact customer service if needed.

To help you identify the best life insurance plans, TopConsumerReviews.com has reviewed and ranked the best life insurance companies available. We hope this information helps you find a life insurance policy that will give you and your loved ones peace of mind!

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