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Insurance · head to head

Haven Life vs Openly

Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite
Openly logo

Openly

Insurance

Customizable homeowners insurance sold only through independent agents

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; Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Haven Life and Openly differ
AttributeHaven LifeOpenly
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
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 Openly

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 Openly
  • Family protectionnot Openly
  • Quick policy purchasenot Openly
  • Financial securitynot Openly

Openly

  • Getting home insurance quotes with guaranteed replacement cost coveragenot Haven Life
  • Customizing homeowners insurance policies with specific coverage limitsnot Haven Life
  • Filing and managing property damage claims through digital workflowsnot Haven Life
  • Accessing insurance coverage across multiple US states through independent agentsnot 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

Openly

  • Available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Policies are not sold directly to consumers; coverage must be obtained through an independent agent, 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

Openly

On request

No published plan breakdown. See the Openly 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 Openly if

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

Openly review

Questions people ask

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

Answered from the vendors’ own pages

Openly: How much does Openly cost?

Openly does not publish pricing on its website. The company operates through independent agency partners who provide customized quotes. To obtain coverage pricing, customers must contact a local independent agent or request a quote through mylifeprotected.com/openly.

Source
Openly: What is Openly's pricing model?

Openly uses a partnership model rather than direct sales. Insurance policies are sold through independent agency partners, with pricing determined on a case-by-case basis through customized quotes.

Source
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