All Frequently Asked Questions

How long does it take to get a decision on coverage from Haven Life?

Haven Life’s sophisticated technology analyzes various data including the health information provided in the application and additional external data you authorized us to collect to deliver a decision in minutes and let you know which process you qualify for. There are two main process options:
Option One: If you qualify for Haven Life’s InstantTerm process (currently offered to qualified, healthy life insurance applicants up to age 45 and up to $1,000,000 in coverage), you will not be required to take a medical exam and full coverage can begin immediately.
Option Two: Based on your answers to questions in the application, we may require a medical exam in order to finalize a decision. The exam typically takes less than 20 minutes and can be conducted at your home or office. Once the labs have processed your results and our underwriters have done a final check, you will usually receive an offer. This can take up to 7-10 days following your medical exam.
If you are declined or rejected for a Haven Term policy, we will try to notify you immediately. In some cases, we would need you to complete a medical exam first in order to determine your eligibility.

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