Haven Life

I would not recommend this insurance to anyone. We applied for life insurance and it got approved yet it never went into affect and they couldn’t tell us why. They also declined our payment but then sending us emails that we haven’t paid yet. When I updated the payment again it they said it was too late and we will have to reapply.

I've been waiting almost 2 months now. I had blood work done, and passed with flying colors. No one contacted me for two weeks afterwards. Finally i got an email asking for income verification. What does this have to do with life insurance? FYI my credit is excellent and my income is above average. I think they are collecting data and selling it to other companies. Why else would they want all this information?

Now two more weeks has gone by, and i'm ready to give up on Haven Life. They must have a horrible process for new online policies, or they have so much business they simply don't care. Ir they make more money selling client data! Anyway, I'll be using someone else, i do NOT TRUST THIS COMPANY.

So far this has been a frustrating waste of time.

Do not trust that you will get a fair price if you need a medical exam. I was originally quoted $47 per month online and I'm in my early 30's. I filled out my application and needed a medical exam. Took it, and saw that 3 levels were out of range. The first two were my bilirubin. I have medically diagnosed Gilbert's syndrome, a harmless condition that does not affect life expectancy and I have no symptoms for except the elevated bilirubin that's undetectable without a blood test. I called and told them that and they added it to my file. The other out of range value was my glucose, which came in extremely low, as in, so low that I should have been having a seizure during the exam. This freaked me out, since I've never had an issue with it and I see my doctor for checkups regularly, so I retook that blood test with my doctor, and lo and behold, it came back normal. I sent that test result to Haven Life and thought we would be good to go since it was clear that the low glucose was an outlier. Imagine my surprise when my final quote came in at $115 a month! I called to ask why and they said because my blood results were "out of range" and the quote I got at first "isn't representative of the final price" and "most people fall into the category I was approved for". A couple questions:

1.) If "most people fall into" the category I was approved for, why didn't you quote me the most likely price?? (obviously it's to draw me in with the allure of a price they don't mean to give me).

2.) Why would they increase my premium based on an obviously botched glucose result and an out of range value that's explained by a medical diagnosis that has no bearing on my life-expectancy at all whatsoever? Could it be that you're looking for any excuse to charge me more than double the price you dangled in front of me?

Think twice before using Haven Life. It's fine probably if you get through their application without need for an exam, but if not, don't expect a reasonable price, as it seems they'll look for any excuse to overcharge you.

I applied for a term life insurance policy via Policy Genius, at which time they paired me with Haven Life in March and after FOUR excruciating months of them digging into my medical records (understood, as they should) and emailing me with questions about why I got bit by a tick, what were the outcomes of certain doctor appointments even though they should have known from the medical records, they denied me for coverage! I am a 41 year old healthy woman! The only health condition I have is asthma, which is why they denied me. They also stated I have myalgia, which I’ve never been diagnosed with in my life! This place is a joke. If they aren’t insuring healthy 41 year olds, then who are they insuring? They humiliated me during the underwriting process as well with all of their silly, demeaning, time consuming questions. I do not recommend Policy Genius or Haven life!!!

By far the best price for term life insurance compared to 4 other companies. The website looks good, but it could have more information & more menus/pages for answering questions. I had to contact their Support for quite a few questions while signing up & evaluating my term life insurance policy. A more fleshed-out FAQ and a way to edit your policy without cancelling it would be great.

Just a really terrible experience. I applied for life insurance and completed the medical exam June 7. It is now August 10 and I finally received an email requesting more information. Previously I was told repeatedly they didn't need anything additionally from me. We are well over two months from my initial application and my other insurance quotes are expiring so I am unable to even compare coverage and rates with this company. I expected more from this company, but it has been absolutely low quality. I can't imagine having to actually file a claim and how long that might take. Also, before the canned reply of thanks for your review blah blah blah, I have reached out multiple times and the support is not adequate. I can assure you.

My wife and I applied for 30 years term 750k policy. My wife was temporarily approved and needed to schedule a medical and verify her identity. I was not temporarily approved but also needed to verify my identity and schedule a medical. I did my medical and my labs came back but my cholesterol was high and it's the only thing not in green. My wife never did the medical. Today, my wife and I received our official offer. My wife's $51.69 that included the premium waiver. Mine was $174.89 that also included the premium waiver. My wife is 2 years younger than me , I'm 37 and we both had to upload photo id to verify our identity. My wife is white and I'm of color. What could possibly explain my premium which is 3x that of my wife's. Mind you apparently a full medical underwriting policy supposed to be cheaper than one without medical. I cancelled my application due to outright racism in their underwriting.