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Haven Simple is a type of life insurance policy that never requires a medical exam.

Applying is simple:
Learn more about Haven Simple

Tell us about you and your coverage needs in our online application.


Get an immediate decision in minutes, without a medical exam.


Finalize your coverage and enjoy peace of mind.

About Haven Simple:
  • 100% no medical exam for coverage up to $1,000,000
  • Easy, online application that can be completed in minutes. Secure your application via account create and get a decision instantly
  • Friendly and knowledgeable customer support
  • Coverage issued by C.M. Life—a subsidiary of MassMutual, one of the country's oldest and most reliable insurersMass Mutual
For people with a complicated health history or a serious medical condition, monthly rates may be higher than the one quoted.

Issuing the policy or paying its benefits depends on the applicant's insurability, based on their answers to the health questions in the application, and their truthfulness.

Haven Life health classes
  • Healthy weight
  • Normal cholesterol and blood pressure
  • No medical conditions
  • Normal weight
  • May need medication for normal cholesterol or blood pressure
  • Minor pre-existing medical conditions
  • Overweight
  • High cholesterol or blood pressure
  • Some pre-existing medical conditions

A good rule of thumb is selecting a coverage amount that is 5-10x your annual salary. Your qualified minimum and maximum coverage amount may change depending on the term length you select.

Consider selecting a term length that would last until your mortgage has matured or your kids have graduated college.