We are making it easier to get life insurance by offering access to an online application process for Haven Term Simplified Issue*.

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The Importance of Life Insurance?

Life insurance is important whether you are single or if you have a family.

If you have a family, term life insurance can help protect your spouse and family if something were to happen to you during the coverage term of your policy. Your family could use the life insurance death benefit to help pay for everyday living expenses or things like:

  • - Funeral costs
  • - Mortgage or housing costs
  • - Medical expenses
  • - Retirement income
  • - Student loans or children’s college tuition
  • - Debts

Even if you are single, life insurance may still be very important to your situation. The death benefit from your policy could be used to (1) help pay off debts that would fall to your parents or loved ones, like a mortgage or student loans or (2) help provide funds to fund the costs of providing for someone you may be a caretaker to.

Also keep in mind that if you believe you will be getting married and having a family, having insurance now avoids the risk of you not being to acquire coverage in the future.


The Haven Life process consists of 4 basic steps:


Get Your Haven Term Simplified Quote:

Answer a few basic questions and you will receive your premium options. You can elect the amount of life insurance you want to apply for along with the term of the policy.

Apply For Coverage:

Now that you are ready to apply for coverage online. You will be asked questions regarding your personal health history and it will take around 5-10 minutes to complete the Haven Term Simplified Issue application.


Once you complete the questions, you will instantly find out if you are approved for coverage.

Pay Your Premium:

If you are approved for coverage, you will enter your payment information. You can choose to pay via credit card or automatic withdrawal from your checking account. Once payment has been received, your are covered and you will receive your policy via e-mail.

Frequently Asked Questions

How much Life Insurance can I Purchase?

You can purchase between $25,000 and $500,000 in term life insurance.

Can my premiums be increased?

Your premiums cannot be increased during the policy term length you purchase (10, 15, 20, 30 years). Once your policy terms ends, you may choose to continue your policy annually, but at a higher premium.

How can I pay my premiums?

You can pay your premiums via automatic withdrawals from your bank account or pay with a credit card.

Is this coverage available in all states?

Coverage is available in all states except California, Florida, New York, North Dakota, South Dakota and Delaware.

What insurance company provides the coverage?

C.M. Life Insurance Company, a subsidiary of MassMutual, is the issuer of the Haven Term Simplified policy. MassMutual is a 160+ year insurance company with a long history of financial strength. MassMutual and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of March 18, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies. Ratings do not apply to Haven Life Insurance Agency.

What happens with my term ends?

Once your term ends, you may choose to continue your policy annually. You will be able to get covered, however, it’s likely your premiums will be significantly more expensive.

Will I need to get a medical exam to apply for coverage?

No, you will not need to get an exam when you apply for coverage. Issuing the policy or paying its benefits is based on your answers to the health questions in the application, and their truthfulness.

How much does it cost?

Your cost will depend on the amount of life insurance you purchase, your age, your smoker status and whether you are a male or female.

When do I pay my premiums?

You will pay your first monthly premium when your policy is issued and then every month thereafter.

What ages can apply for coverage?

Ages 18-65 are eligible to apply for coverage.
Ages 18-49 the 10, 15, 20 and 30 year term is available.
Ages 50-65 10, 15 and 20 year term is available.

Am I guaranteed to be approved for coverage?

No, you must answer a few simple questions to determine if you qualify for coverage. You will receive an instant decision at the end of the process.

Have Questions?

Contact Us