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Haven Life vs Root Insurance

Haven Life logo

Haven Life

Software

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite
R

Root Insurance

Software

Car insurance priced primarily on driving behavior measured through an app test drive

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; Root Insurance telematics based pricing is not used in California and Maryland, where the core driving-behavior pricing model does not apply, as of August 2026

Where they differ

Only the attributes on which Haven Life and Root Insurance actually diverge.

Attributes where Haven Life and Root Insurance differ
AttributeHaven LifeRoot Insurance
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

Identical on both: user rating (Not yet rated), category (Unknown).

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 Root 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 Root Insurance
  • Family protectionnot Root Insurance
  • Quick policy purchasenot Root Insurance
  • Financial securitynot Root Insurance

Root Insurance

No use cases recorded yet. See the Root 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

Root Insurance

  • Telematics based pricing is not used in California and Maryland, where the core driving-behavior pricing model does not apply, as of August 2026
  • No base premium is published; quotes require completing a several week app-based test drive before a rate is shown, 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

Root Insurance

On request

No published plan breakdown. See the Root 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.
Haven Life review

Choose Root Insurance if

Nothing in the data separates Root Insurance from Haven Life on the points above - pick on price and on how each one feels to use.

Root Insurance review

Questions people ask

Is Haven Life or Root Insurance better?
Neither clearly leads. Haven Life starts at Free and Root 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 Root Insurance?
Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and On request for Root Insurance.
Does Haven Life or Root Insurance run on more platforms?
Haven Life runs on Web, Ios, Android. Root 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. Root 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 Root Insurance is typically brought in for.
What can Haven Life do that Root Insurance cannot?
Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options.
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Related pages

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