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Insurance · head to head

Bold Penguin vs Haven Life

Bold Penguin logo

Bold Penguin

Insurance

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite
Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Bold Penguin no public pricing available; entirely quote-based sales model; Haven Life stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs
  • They diverge on capability: Bold Penguin covers Multi-carrier quoting, Haven Life covers No medical exam.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Bold Penguin and Haven Life actually diverge.

Attributes where Bold Penguin and Haven Life differ
AttributeBold PenguinHaven Life
Pricing modeltransactionfreemium
Founded20192016

Identical on both: starting price (Free), free tier (Yes), platforms (Web, Ios, Android), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bold Penguin

  • Multi-carrier quoting
  • Online binding
  • Customer portal
  • Commission tracking
  • Mobile app
  • API access
  • Reporting
  • Multiple carriers

Only in Haven Life

  • No medical exam
  • Fast underwriting
  • Multiple term options
  • Online application
  • Digital policy delivery
  • Policy management portal
  • 24/7 accessibility
  • Payment processing

Both cover

  • Instant quotes
  • Data encryption
  • Cloud deployment
  • Web support
  • Ios support
  • Android support
  • English language support

What people use each for

The jobs each tool is most often brought in to do.

Bold Penguin

  • Routing and triaging commercial insurance submissionsnot Haven Life
  • Automating submission to bind through the Terminal platformnot Haven Life
  • Handling complex middle market submissions with SubmissionLinknot Haven Life
  • Policy checking with ClauseLinknot Haven Life

Haven Life

  • Life insurance shoppingnot Bold Penguin
  • Family protectionnot Bold Penguin
  • Quick policy purchasenot Bold Penguin
  • Financial securitynot Bold Penguin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bold Penguin

  • No public pricing available; entirely quote-based sales model
  • B2B enterprise solution with custom pricing based on organizational needs
  • No published tiers or plan features; feature set and cost determined during sales consultation

Haven Life

  • Stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs
  • havenlife.com now redirects to massmutual.com
  • Existing policies remain valid and are administered by MassMutual, but the product cannot be bought

Pricing, plan by plan

Bold Penguin

Free
  • Broker AccessFree
    • Multi-carrier quotes
    • Instant quoting
    • Commission tracking

Haven Life

Free
  • Quote ToolFree
    • Instant quotes
    • No medical exam
    • Coverage customization
  • Term Life Insurance$undefined/month
    • 10, 20, or 30-year terms
    • Fast underwriting
    • Guaranteed rates

Which should you pick?

Choose Bold Penguin if

  • You need multi-carrier quoting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want online binding.
Bold Penguin review

Choose Haven Life if

  • You need no medical exam.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want fast underwriting.
Haven Life review

Questions people ask

Is Bold Penguin or Haven Life better?
Neither clearly leads. Bold Penguin starts at Free and Haven Life at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bold Penguin or Haven Life?
Bold Penguin starts at Free and Haven Life at Free.
Does Bold Penguin or Haven Life run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Bold Penguin for free?
Both have a free tier, so you can try either at no cost before committing.
What is Bold Penguin best used for?
Bold Penguin is most often used for routing and triaging commercial insurance submissions, automating submission to bind through the terminal platform, handling complex middle market submissions with submissionlink, policy checking with clauselink. Of those, routing and triaging commercial insurance submissions and automating submission to bind through the terminal platform are not what Haven Life is typically brought in for.
What can Bold Penguin do that Haven Life cannot?
Bold Penguin covers Multi-carrier quoting, Online binding, Customer portal, Commission tracking. Haven Life covers No medical exam, Fast underwriting, Multiple term options, Online application. Both handle Instant quotes, Data encryption, Cloud deployment, Web support.

Answered from the vendors’ own pages

Bold Penguin: What is Bold Penguin's pricing model?

Bold Penguin uses a custom, quote-based pricing model. Specific costs and billing periods are not published publicly; pricing is determined through consultation with the sales team based on organizational needs.

Source
Bold Penguin: Does Bold Penguin offer standard subscription plans?

Bold Penguin does not publish standard pricing tiers or subscription plans. The company directs interested parties to book a demo or contact sales through 'Let's Talk' forms to discuss custom solutions and pricing.

Source
Bold Penguin: How can I get a Bold Penguin price quote?

To obtain pricing information, visit the Bold Penguin website and submit a demo request or contact form. A sales representative will assess your needs and provide a customized pricing proposal.

Source
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