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Software · head to head

Openly vs Haven Life

O

Openly

Software

Customizable homeowners insurance sold only through independent agents

From
On request
Rated
-
Full reviewWebsite
Haven Life logo

Haven Life

Software

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: Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon; 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 Openly and Haven Life actually diverge.

Attributes where Openly and Haven Life differ
AttributeOpenlyHaven Life
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2016

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 Openly

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.

Openly

No use cases recorded yet. See the Openly review.

Haven Life

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

Where each one falls short

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

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

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

Openly

On request

No published plan breakdown. See the Openly 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 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

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