All Frequently Asked Questions

Why is Haven Term Simplified generally more expensive than Haven Term?

Haven Term Simplified rates are more expensive than medically underwritten rates (Haven Term) because this is a 100% no-medical-exam life insurance product.

Life insurance medical exams are valuable since the more information you provide, the less risk the insurer is taking on and the more affordable pricing can be.

If you are willing to take an exam, you may potentially qualify for a Haven Term policy at a better rate. We welcome you to apply for a Haven Term policy: