Additionally, Haven Life is backed by MassMutual's A++ (Superior) financial strength rating from AM Best. And if you opt for a no-medical-exam life insurance policy, you may be approved the same day.

Plus, Haven has some of the best term pricing of the companies we reviewed. But if you still need help, an agent is just a click away via live chat or you can choose to call in instead. You don't have to provide any personal information until you decide to apply, and brief educational blurbs are well-placed to guide and address any questions you may have. The quote and application processes are entirely online and easy to use. Haven Life's website is what all other life insurance websites should aspire to be. This is a tool in which the National Association of Insurance Commissioners (NAIC) shows whether a company has received more or fewer complaints than other insurers, after adjusting for market share. In the company information below, we mention NAIC complaint index scores. Analyzing these key categories helps us identify which life insurance companies could be the best fit for your particular life insurance needs. For our life insurance ratings, we evaluated dozens of life insurance providers in the following categories, giving each category a specific weight percentage based on its importance: policy types and features (21%), financial stability (17%), application process (16%), customer satisfaction (15%), customer service (14%), riders and living benefits (9%), and cost (8%). To help you choose, we've put together this list of the best companies for various types of policies. Life insurance can replace lost income, cover funeral expenses and medical bills, or pay ongoing costs like a mortgage while your estate is sorted out. But costs and benefits vary widely, depending on the company you go with, the riders that are included, and the type of policy you get.

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