Affordable Life Insurance Protection for Your Family

Life Insurance That Starts Immediately

Is There Life Insurance Available That Starts My Coverage Right Away?

Life Insurance That Starts Immediately

Yes, there are instant-issue life insurance plans available for qualified applicants.

Qualified usually means you must be healthy and qualify based on your answers to some health questions asked when you apply for your policy.

Several insurers now offer an online application process to get you insured quickly.

However, some people may be looking for quick coverage because they have a health problem and want to try and get insured before it gets worse, or they pass away.

If you have Health Issues, there are Guaranteed Issue life insurance plans available for people ages 45 to 85.

If you are Healthy and want life insurance protection that starts right away, you can request a free life insurance quote from Haven Life.

Haven Life offers the quickest and easiest way for healthy individuals to get the insurance coverage they need without any of the hassles, delays or having to go through a medical exam.


The Process is Simple

You just request your free price quote, apply online for your coverage – which takes about 10-15 minutes, and then you find out usually within minutes, if you qualify for a policy.

Once you are approved for coverage, just select a premium payment option, and start your coverage immediately.

What used to take up to 4-6 weeks for a consumer to get their life insurance policy now takes as little as 15-20 minutes.


How Much Immediate Life Insurance Can I Buy?

You can choose from $100,000 up to $3,000,000 of quick issue term life insurance coverage.


Is There a Medical Exam Required?

Healthy individuals can qualify to start their coverage immediately with no physical examination required.


What If I Change My Mind?

Each life insurance policy comes with a 30-day money-back guarantee.


Can I Buy Life Insurance for My Spouse, Too?

Yes, you can purchase a life insurance policy for your spouse, too.


Benefits of Immediate Life Insurance


  • No Exam – You can get insured without taking a physical examination.
  • Instant Approval – Find out in minutes of you are approved for coverage.
  • Affordable Rates – Get competitive pricing on no exam plans.
  • Same Day Coverage – Once approved, you can start your life insurance right away.
  • No Agent Needed – You won’t have to meet with an insurance agent.
  • Money Back Guarantee – Risk free, 30-day money back guarantee.
  • Safe and Secure – Rated "A++" Superior for financial strength by A.M. Best Company.


And Yes, once you start your policy your life insurance begins immediately – the very same day!


Top Pick – Haven Life Insurance Agency

  • Get up to $3,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Rated A++ by AM Best
  • Available for People Ages 18 to 64


Haven Life uses the information provided in your application to make an instant decision on your application. 

Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval. 

Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam. 

Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.


Immediate Coverage is Available for:

  • 18-65 years old
  • U.S. citizen and resident
  • Not active military or in the process of enlisting


Haven Life may not be right for people with significant health concerns, such as diabetes or COPD. 


Do You Have Health Problems?

If you have a pre-existing health condition, you may want to consider Guaranteed Approval Life Insurance with no health exam and no health questions asked.


Haven Life Review

  • Up to $3,000,000 in coverage
  • Affordable and competitive rates
  • Immediate coverage decision
  • Available to adults aged 18-65
  • Comprehensive price comparison tool
  • Entirely online and intuitive application process
  • High quality Rated A++ by A.M. Best 


Haven Life's sole focus is to provide reliable term life insurance policies without the hassle and delays of medical examinations or waiting periods. 

Those who qualify can apply for a life insurance policy entirely online and receive an answer in minutes.

Haven Life offers an innovative alternative to conventional life insurance and is backed and owned by MassMutual, which has received superior financial ratings by A.M. Best and other leading credit rating agencies. 

Overall, Haven Life delivers a convenient, flexible, and innovative product for anyone looking for a quicker and easier way to protect themselves and their loved ones.

Massachusetts Mutual Life Insurance Company, which underwrites all Haven Life term policies, boasts an excellent issuer credit rating and is deemed to have a strong capacity to meet its financial commitment and repay short-term debt. 

MassMutual currently holds an A.M. Best rating of A++ (superior), an S&P rating of AA+ (strong), and Moody's rating of Aa2 (high quality and very low risk).


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Disclosure: Compensated Affiliate