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Insurance · head to head

Next Insurance vs Haven Life

N

Next Insurance

Insurance

Digital small business insurance with instant online quotes

From
On request
Rated
-
Full reviewWebsite
Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
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: Next Insurance general liability is advertised as starting at just $19 per month, but this is a floor figure and actual premiums vary by profession and state, 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 Next Insurance and Haven Life actually diverge.

Attributes where Next Insurance and Haven Life differ
AttributeNext InsuranceHaven Life
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2016

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 Next 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.

Next Insurance

No use cases recorded yet. See the Next Insurance review.

Haven Life

  • Life insurance shoppingnot Next Insurance
  • Family protectionnot Next Insurance
  • Quick policy purchasenot Next Insurance
  • Financial securitynot Next Insurance

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Next Insurance

  • General liability is advertised as starting at just $19 per month, but this is a floor figure and actual premiums vary by profession and state, 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

Next Insurance

On request

No published plan breakdown. See the Next 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 Next Insurance if

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

Next Insurance review

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

Questions people ask

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