PROs and CONs of Applying For Life Insurance at HAVENLIFE.com
Quick application and approval process.
No medical exam required for some customers.
Fast approval for healthy applicants under the age of 45.
Competitive rates for excellent, good, and average health profiles.
Policies for 10, 15, or 20 years are available for ages 18 to 64. 30 years is available for applicants under the age of 50.
No permanent life insurance offered.
Those who need more than $2 million in coverage.
Those who need less that $100,000 in coverage.
Applicants with pre-existing conditions.
Not available over the age of 65.
What Makes Haven Life Different?
Haven Life’s online process uses an algorithm and artificial intelligence to instantly review your application. You may have an approval with out a medical exam in less that 1 hour if you are under the age of 45 and need less than $1 million in coverage.
Haven Life will reach out to any physicians, hospitals, pharmacies, pharmacy benefit managers, consumer reporting agencies or any other entity that possesses prescription or medical and financial information for the purpose of evaluating the applicant’s eligibility for insurance.
Not all applicants will avoid the medical exam. Some applicants may be required to be complete a company provided medical exam. The applicant may or may not receive temporary coverage with a preliminary price in the meantime. The final price will come once the exam results are reviewed and the policy is approved. A full refund is provided if the applicant is declined for coverage or does not want the policy.