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Insurance · head to head

Haven Life vs Indio

Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite
Indio logo

Indio

Insurance

Digital commercial insurance applications and renewals for agencies and brokers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Haven Life has a free tier, so it costs nothing to try first.
  • Each has a real cost: Haven Life stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs; Indio the strongest data integration is with Applied Epic, so agencies on Vertafore, HawkSoft or a smaller management system rekey more and capture less of the time saving that justifies the licence.
  • They diverge on capability: Haven Life covers Instant quotes, Indio covers Smart form library.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Haven Life and Indio actually diverge.

Attributes where Haven Life and Indio differ
AttributeHaven LifeIndio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

Identical on both: 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 Haven Life

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

Only in Indio

  • Smart form library
  • Renewal prefill
  • Client portal
  • Electronic signature
  • Automated follow up
  • Applied Epic integration
  • Document collection
  • Submission packaging

What people use each for

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

Haven Life

  • Life insurance shoppingnot Indio
  • Family protectionnot Indio
  • Quick policy purchasenot Indio
  • Financial securitynot Indio

Indio

  • A commercial lines agency where account managers spend renewal season chasing PDF applications by email and want the insured to complete one form set insteadnot Haven Life
  • A broker that wants renewal applications prefilled from last year so the client confirms changes rather than restating the whole risknot Haven Life
  • An Applied Epic agency looking to remove rekeying between the submission process and the management systemnot Haven Life
  • A growing agency that needs a consistent, auditable record of what the insured actually stated on an application, for errors and omissions defencenot Haven Life

Where each one falls short

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

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

Indio

  • The strongest data integration is with Applied Epic, so agencies on Vertafore, HawkSoft or a smaller management system rekey more and capture less of the time saving that justifies the licence.
  • Pricing is quoted through Applied Systems and never published, which makes it hard to benchmark against point competitors and typically ties the agency into an Applied commercial relationship covering several products.
  • It handles submission collection but not placement, so you still need a rater or a market submission tool to actually get quotes, and the promised efficiency only lands on the front half of the process.
  • Adoption depends on the insured being willing to use a web portal, and commercial clients with a broker relationship of twenty years frequently email a PDF back anyway, which leaves the agency running two processes at once.
  • Form library coverage is strong for standard ACORD but thinner for niche carrier supplements in specialty lines, so specialty brokers still maintain a manual set of forms outside the system.

Pricing, plan by plan

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

Indio

On request
  • Indio$undefined/year
    • Smart ACORD and carrier form library
    • Renewal prefill
    • Insured facing portal and e-signature

Which should you pick?

Choose Haven Life if

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

Choose Indio if

  • You need smart form library.
  • You also want renewal prefill.
Indio review

Questions people ask

Is Haven Life or Indio better?
Neither clearly leads. Haven Life starts at Free and Indio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Haven Life or Indio?
Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and On request for Indio.
Does Haven Life or Indio run on more platforms?
Haven Life runs on Web, Ios, Android. Indio runs on Web.
Can I use Haven Life for free?
Yes. Haven Life has a free tier, so you can try it without paying. Indio starts at On request.
What is Haven Life best used for?
Haven Life is most often used for life insurance shopping, family protection, quick policy purchase, financial security. Of those, life insurance shopping and family protection are not what Indio is typically brought in for.
What can Haven Life do that Indio cannot?
Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options. Indio covers Smart form library, Renewal prefill, Client portal, Electronic signature.

Answered from the vendors’ own pages

Indio: Is Indio still sold separately after the Applied Systems acquisition?

Yes. It is branded Indio by Applied Systems, retains its own site and is licensed separately from Applied Epic, though it is sold through the Applied commercial relationship.

Indio: Do I need Applied Epic to use it?

No, but you get materially less from it without Epic. The bidirectional data flow that removes rekeying is deepest with Epic, and other management systems require more manual handling.

Indio: Does Indio quote or rate?

No. It collects and packages the application. Rating and market submission happen elsewhere.

Indio: What does it cost?

Applied does not publish pricing. It is quoted by agency size and usually negotiated within a wider Applied contract, so ask for the standalone figure explicitly.

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