Insurance · head to head
Haven Life vs Kin Insurance
K
Kin Insurance
Insurance
Home and auto insurance sold direct with pricing by address quote
- From
- On request
- Rated
- -
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; Kin Insurance coverage is limited to 14 states (Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, Virginia), as of August 2026
Where they differ
Only the attributes on which Haven Life and Kin Insurance actually diverge.
| Attribute | Haven Life | Kin Insurance |
|---|---|---|
| Starting price | Free | On request |
| Pricing model | freemium | quote |
| Free tier | Yes | No |
| Platforms | Web, Ios, Android | Web |
| Founded | 2016 | Unknown |
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 Kin Insurance
Nothing recorded that Haven Life does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Haven Life
- Life insurance shoppingnot Kin Insurance
- Family protectionnot Kin Insurance
- Quick policy purchasenot Kin Insurance
- Financial securitynot Kin Insurance
Kin Insurance
No use cases recorded yet. See the Kin Insurance review.
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
Kin Insurance
- Coverage is limited to 14 states (Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, Virginia), as of August 2026
- No published starting premium; the homepage requires entering an address to get a quote rather than showing a base rate, as of August 2026
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
Kin Insurance
On requestNo published plan breakdown. See the Kin Insurance review.
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.
Choose Kin Insurance if
Nothing in the data separates Kin Insurance from Haven Life on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Haven Life or Kin Insurance better?
- Neither clearly leads. Haven Life starts at Free and Kin Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Haven Life or Kin Insurance?
- Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and On request for Kin Insurance.
- Does Haven Life or Kin Insurance run on more platforms?
- Haven Life runs on Web, Ios, Android. Kin Insurance runs on Web.
- Can I use Haven Life for free?
- Yes. Haven Life has a free tier, so you can try it without paying. Kin Insurance 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 Kin Insurance is typically brought in for.
- What can Haven Life do that Kin Insurance cannot?
- Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options.