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Insurance · head to head

Haven Life vs NowCerts

Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite
NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
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; NowCerts the product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • They diverge on capability: Haven Life covers Instant quotes, NowCerts covers Policy and client management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Haven Life and NowCerts differ
AttributeHaven LifeNowCerts
Starting priceFree$99/month
Pricing modelfreemiumPer month by seat band
Free tierYesNo
Founded2016Unknown

Identical on both: 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 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 NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

What people use each for

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

Haven Life

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

NowCerts

  • A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot Haven Life
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot Haven Life
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot Haven Life
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot 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

NowCerts

  • The product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Accounting is functional but shallow next to AMS360, so agencies that run trust accounting or need detailed general ledger treatment usually keep a separate accounting package and reconcile manually.
  • Commercial lines handling, particularly complex schedules and multi-location risks, is weaker than Applied Epic, which is why larger commercial agencies routinely reject it after a proof of concept.
  • Real onboarding is a paid add-on: professional services run 1,950 dollars a month for a split resource or 2,950 for a dedicated one, plus a 900 dollar onboarding fee, so the headline 99 dollar plan is not the true first-year cost for an agency migrating data.
  • The platform is now stacking separately priced modules, with the automation centre, rating and voice each carrying their own monthly fee, and an agency that wants all of them ends up paying several times the advertised AMS price.

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

NowCerts

$99/month
  • Essentials$99/month
    • 1 user included
    • Additional seats 45 USD each
    • Client and policy management
  • Professional$169/month
    • 2 users included
    • Sales pipeline
    • Renewal centre
  • Business$349/month
    • 5 users included
    • Billing and accounting
    • Commission reconciliation
  • Enterprise$undefined/month
    • 50 or more users
    • Quoted
    • Additional seats 45 USD each

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 NowCerts if

  • You need policy and client management.
  • You work on Web, iOS, Android.
  • You also want acord forms and certificates.
NowCerts review

Questions people ask

Is Haven Life or NowCerts better?
Neither clearly leads. Haven Life starts at Free and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Haven Life or NowCerts?
Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and $99/month for NowCerts.
Does Haven Life or NowCerts run on more platforms?
Haven Life runs on Web, Ios, Android. NowCerts runs on Web, iOS, Android.
Can I use Haven Life for free?
Yes. Haven Life has a free tier, so you can try it without paying. NowCerts starts at $99/month.
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 NowCerts is typically brought in for.
What can Haven Life do that NowCerts cannot?
Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

NowCerts: Is NowCerts still sold?

Yes, but under a different name. NowCerts Inc. rebranded to Momentum in November 2024 and the agency management system is now sold as Momentum AMP. Contract with Momentum, not NowCerts.

NowCerts: What does it actually cost for a five-person agency?

349 US dollars a month on the Business plan covers five users. Add roughly 100 to 300 a month if you want the rating engine, and a one-off 900 dollar onboarding fee.

NowCerts: Does it do carrier download?

Yes, through the industry download infrastructure, but carrier coverage is narrower than Applied or Vertafore systems, so confirm your specific carriers before signing.

NowCerts: Can it replace Applied Epic?

For small personal lines and light commercial agencies, generally yes. For agencies with heavy commercial schedules or trust accounting requirements, generally no.

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