Software · head to head
Kin Insurance vs Haven Life
Kin Insurance
Software
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: 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; Haven Life stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs
Where they differ
Only the attributes on which Kin Insurance and Haven Life actually diverge.
| Attribute | Kin Insurance | Haven Life |
|---|---|---|
| Starting price | On request | Free |
| Pricing model | quote | freemium |
| Free tier | No | Yes |
| Platforms | Web | Web, Ios, Android |
| Founded | Unknown | 2016 |
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 Kin Insurance
Nothing recorded that Haven Life does not also cover.
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
What people use each for
The jobs each tool is most often brought in to do.
Kin Insurance
No use cases recorded yet. See the Kin Insurance review.
Haven Life
- Life insurance shoppingnot Kin Insurance
- Family protectionnot Kin Insurance
- Quick policy purchasenot Kin Insurance
- Financial securitynot Kin Insurance
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
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
Pricing, plan by plan
Kin Insurance
On requestNo published plan breakdown. See the Kin Insurance review.
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
Which should you pick?
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.
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.
Questions people ask
- Is Kin Insurance or Haven Life better?
- Neither clearly leads. Kin Insurance starts at On request and Haven Life at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Kin Insurance or Haven Life?
- Haven Life has a free tier; the other does not. Paid plans start at On request for Kin Insurance and Free for Haven Life.
- Does Kin Insurance or Haven Life run on more platforms?
- Kin Insurance runs on Web. Haven Life 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. Kin Insurance starts at On request.
- What can Kin Insurance do that Haven Life cannot?
- Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options.