Haven Life Term 20
Fully online underwriting for healthy applicants under 45 can bypass the medical exam. Rates are competitive but not the absolute cheapest.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Monthly price: $22
- Annual price: $264
FairPrice score: 89/100
Coverage
$500k term life, 20 years
Features
- Fully online application
- No medical exam for many applicants
- Backed by MassMutual
- Fast decision (often <15 min)
Pros
- Fast online decision
- Reputable underwriter
- Straightforward pricing
Cons
- Age caps for no-exam
- Limited rider options
Best for
- term-life
- online
- no-exam
- young-adults
Official source · Last verified 2026-07-04