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Insurance · head to head

Haven Life vs Verisk

Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite
Verisk logo

Verisk

Insurance

Insurance data, ISO forms and rating content that most American P&C products are built on

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; Verisk the ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • They diverge on capability: Haven Life covers Instant quotes, Verisk covers ISO forms and rating content.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Haven Life and Verisk differ
AttributeHaven LifeVerisk
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, API, Windows
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 Verisk

  • ISO forms and rating content
  • ClaimSearch
  • Extreme event models
  • Property data
  • Xactimate
  • Underwriting analytics

What people use each for

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

Haven Life

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

Verisk

  • A carrier filing standard commercial lines products that must use recognised forms and loss costsnot Haven Life
  • A claims organisation checking submitted claims against the industry database for prior activitynot Haven Life
  • A property insurer pricing catastrophe exposure for reinsurance placementnot Haven Life
  • An MGA that needs bureau content without building and filing proprietary forms in every statenot 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

Verisk

  • The ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • Pricing is negotiated separately per product and per line, and large insurers routinely find overlapping agreements across underwriting, claims and actuarial that nobody had counted together.
  • Circular updates to forms and loss costs must be loaded into your policy system on a schedule, which is recurring work that carriers with older platforms do partly by hand.
  • The breadth of the portfolio means account management is spread across product teams, so a problem in one service does not necessarily get attention from the people selling you another.
  • Usage-based components such as data prefill and claims searches make annual spend hard to forecast, and the variance lands in the year you grow fastest.

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

Verisk

On request
  • Verisk Insurance Solutions$undefined/year
    • ISO forms and loss cost licensing
    • Data and analytics services by line
    • API access

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 Verisk if

  • You need iso forms and rating content.
  • You work on Web, API, Windows.
  • You also want claimsearch.
Verisk review

Questions people ask

Is Haven Life or Verisk better?
Neither clearly leads. Haven Life starts at Free and Verisk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Haven Life or Verisk?
Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and On request for Verisk.
Does Haven Life or Verisk run on more platforms?
Haven Life runs on Web, Ios, Android. Verisk runs on Web, API, Windows.
Can I use Haven Life for free?
Yes. Haven Life has a free tier, so you can try it without paying. Verisk 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 Verisk is typically brought in for.
What can Haven Life do that Verisk cannot?
Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options. Verisk covers ISO forms and rating content, ClaimSearch, Extreme event models, Property data.

Answered from the vendors’ own pages

Verisk: Can a carrier avoid ISO content entirely?

Only by developing and filing proprietary forms and rates, which a handful of large insurers do. For everyone else the filing and legal cost of independence exceeds the licence.

Verisk: Is Xactimate part of Verisk?

Yes. It came with the Xactware acquisition and is the dominant property claims estimating tool in North America, used by carriers and by the contractors they pay.

Verisk: Did Verisk sell off businesses?

Yes. It divested non-insurance units including its energy research business in 2023 and refocused on insurance data and analytics.

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