A life insurance policy can provide peace of mind. Haven Life was one of the first to offer a simplified online process, which can be completed from a smartphone or computer. Since 2015, it has provided customers with life insurance.
The applicant can fill out an application, request a quote, and review the rates. Some policies require a medical examination. Some policies, like Haven Simple, do not require a medical exam.
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Haven Life has designed its life insurance application as easy as possible. You can get an estimate of your coverage rates online after answering a few simple questions about yourself and your personal health history. Depending on your rating, you can see if a medical examination is required. Haven Life will notify you if an appointment is required to complete the medical examination.
Haven Life, also known as Haven Simple, is one of the few companies offering a simplified life insurance application process. Its simplified underwriting allows you to bypass the medical examination and be approved instantly. However, it comes with certain limitations. Haven Simple offers only term life insurance and is not available in every state. You can also only apply for coverage up to $1,000,000.
The results of the questions will be provided to applicants within minutes. Haven uses data from third parties to verify information provided on your application. Your driver’s licence and Social Security Number may be used to conduct a background investigation. If the results are positive, you will be approved to buy a Haven Life plan of term life insurance. Your policy will become active as soon as you make your first payment.
Simple to Manage
Haven Life offers a variety of features that help make the management of its policies on life insurance easier. It has an online application which is accessible on any computer, smartphone or tablet. The application can be filled out from any location, and the applicant can save their progress to use in the future.
It asks about your lifestyle, medical history and family history. It then verifies the accuracy of the information by checking it with third-party vendors such as the MIB DMV, and Social Security Administration. Haven Life then uses this information in order to determine the rate class that you qualify for. This process is faster and more accurate than the traditional underwriting which can take weeks to review all your medical information.
If you need to undergo a medical examination, the appointment is usually scheduled around your schedule. You can either go to the testing center or have an examiner come to you. You can schedule the exam at a time that suits you. The test takes only 30 minutes. Haven Life offers an option called Haven Simple that does not require a medical exam. This is for people who do not want to undergo a physical examination. Haven Life, unlike many other companies that offer life insurance, does not charge a fee for this service. MassMutual and CM Life Insurance Company process death claims.
Easy to get a quote
Haven Life is an efficient digital agency which streamlines the application process for life insurance to save both time and money. It is backed up by MassMutual, and offers some the best premiums for term life in the industry. Customers give it high marks, with many 5-star Trustpilot reviews. Some reviewers complained that they had trouble contacting customer service.
The simplified application process at Haven makes it simple to receive a quote and buy a policy. The applicant answers questions about his or her lifestyle and medical history. A rate is then estimated based on the health of the individual. The applicant can choose the amount of coverage and the term length and then submit an online application. Third-party data providers are used to verify the answers provided and run a background check. If the company detects any concerns, they will either request a medical examination or reject their application.
On the Haven website, applicants can get a free quote on their life insurance. It is easy to complete the application in less than one hour. For additional assistance, applicants can contact the company via phone.
Haven Simple is available for those interested in an option that does not require a medical exam. Individuals up to the age of 59 can apply for coverage that is less than $1 million. The company offers a plan with a fixed premium and death benefits that are accelerated.
It is easy to obtain a policy
Haven Life is a life insurance company available only online that simplifies the process. The company’s simplified underwriting makes coverage decisions using algorithms. After you have submitted your application, a decision is usually made within 7-10 business days. You will be notified within a couple of days if you are approved for the policy. You may be able add an additional rider to your policy depending on the type you select.
Haven Life also offers a free accelerated death benefit option. The policyholder can access the death benefit early, which could help them pay medical bills or stop paying their premiums.
Haven will give you an estimate of your rates after you enter your personal health and lifestyle information. These rates are determined by your age, weight, height and smoking status. After underwriting, the actual rates that you will see will be based on your unique situation and may differ from those you were given.
Quest Labs/ExamOne will send a paramedical examiner to your home, office or exam location. You should schedule your appointment early in the morning so that you can avoid eating and fast before the blood and urine tests.