Plan for the unexpected today
Term life insurance is designed to provide low-cost life insurance for a stated period of time, usually between one to 30 years. In the event of a tragedy, it can help:
- Maintain your family’s lifestyle (income replacement)
- Keep your family in their home (mortgage payoff)
- Remove debt burdens (credit card/personal loan payoff)
- Finance a child’s education
- Pay for funeral expenses
- Protect your spouse’s retirement plans
- Continue a business
Life, Long-term Care, Disability, and Medicare Health solutions provided by Truist Life Insurance Services
To determine the right coverage for you and your family, contact us at 800-474-1471 to speak with an agent or get a no-obligation quote below with one of our on-line products.
Haven Term - Fully underwritten term
Coverage amount: $100,000 to $3,000,000 (max of $1,000,000 for ages 60-64)
Level term options: 10, 15, 20 or 30 years
Underwriting requirements: Medical exam required in most cases
Age and health: Ages 18 to 64, with some pre-existing conditions acceptable
Policy issuance: 0- 30 days, so long as applicants complete the medical exam (if required)
Insurer: Massachusetts Mutual Life Insurance Company (MassMutual) Disclosure 1
Haven Simple - Simplified issue term
Coverage amount: $25,000 to $500,000
Level term options: 10, 15, 20 or 30 years (30 years not available for ages 50-65)
Underwriting requirements: No medical exam or lab tests required Disclosure 2 (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.)
Age and health: Ages 18 to 65 Disclosure 3 , dependent on health history
Policy issuance: Instantly, if qualified
Insurer: C.M. Life Insurance Company - a subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual) Disclosure 4
- A traditional underwriting process requiring a thorough review—including a full medical exam—to qualify.
- Your health status could result in a lower premium cost.
- A convenient way to process term insurance that does not require a medical exam or lab tests.
- You'll get a faster underwriting decision, but generally a higher premium cost due to the limited underwriting and medical evidence of insurability.
These online term insurance options are available through one of our trusted partners, Haven Life. MassMutual is rated "A++" by A.M. Best—a leading rating agency of the insurance industry. Disclosure 5 Other simplified issue products may be available through our agents.
You can also contact Truist Life Insurance Services first, where you will have access to more than 100 highly rated insurance companies and a dedicated team of life insurance professionals to help you every step of the way.
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Term life insurance products and services are offered by Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly-owned subsidiary of Truist Insurance Holdings, Inc., and are not a deposit, not FDIC insured, not guaranteed by the bank, not insured by any federal government agency, and may go down in value.
By clicking the Get online quote button, a new browser window will open and take you to HavenLife.com. This link to Haven Life is provided for your convenience. Haven Life is wholly responsible for the content and services offered on its website.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. Policy and rider form numbers and features may vary by state and may not be available in all states. In NY, Haven Term is DTC-NY. In CA, Haven Term is DTC-CA. Our Agency license number in California is 71922 and in Arkansas, 100139527.
Because simplified term life insurance is issued with only limited medical information, the policy costs are typically higher and certain restrictions generally apply. Those willing to undergo more extensive medical testing may benefit from fully underwritten term life.
Maximum issue ages: 10-, 15- and 20-year terms available to age 65, and 30-year terms to age 50. Once coverage is issued, it can continue to age 95.
Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by C.M. Life Insurance Company, Enfield, CT 06082 and offered exclusively through Haven Life Insurance Agency, LLC. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is 71922 and in Arkansas 100139527.
MassMutual and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of 10/1/2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.
McGriff Insurance Services, Inc. CA License #0C64544.