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Insurance · head to head

PolicyGenius vs Haven Life

PolicyGenius logo

PolicyGenius

Insurance

Simplified insurance shopping platform

From
Free
Rated
-
Full reviewWebsite
Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: PolicyGenius pricing is quote only; the site states the final insurance policy premium for any policy is determined by the underwriting insurance company following application, with no rates published on site.; Haven Life stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs
  • They diverge on capability: PolicyGenius covers Quote comparison, Haven Life covers Instant quotes.

Where they differ

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

Attributes where PolicyGenius and Haven Life differ
AttributePolicyGeniusHaven Life
Founded20142016

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), platforms (Web, Ios, Android), 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 PolicyGenius

  • Quote comparison
  • Policy application
  • Digital underwriting
  • Policy management
  • Claims filing
  • Document storage
  • Expert advisors
  • Mobile app

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

Both cover

  • Payment processing
  • SSL encryption
  • PCI compliance
  • Cloud deployment
  • Web support
  • Ios support
  • Android support

What people use each for

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

PolicyGenius

  • Life insurance shopping
  • Home insurance comparisonnot Haven Life
  • Policy managementnot Haven Life
  • Financial protectionnot Haven Life

Haven Life

  • Life insurance shopping
  • Family protectionnot PolicyGenius
  • Quick policy purchasenot PolicyGenius
  • Financial securitynot PolicyGenius

Both are used for life insurance shopping, on those jobs the choice comes down to price and fit rather than capability.

Where each one falls short

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

PolicyGenius

  • Pricing is quote only; the site states the final insurance policy premium for any policy is determined by the underwriting insurance company following application, with no rates published on site.

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

PolicyGenius

Free
  • Free Quote ToolFree
    • Compare life insurance quotes
    • Home insurance quotes
    • Auto insurance quotes
  • Premium Support$undefined/month
    • Expert advisor consultation
    • Personalized recommendations
    • Policy comparison

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 PolicyGenius if

  • You need quote comparison.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want policy application.
PolicyGenius 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 PolicyGenius or Haven Life better?
Neither clearly leads. PolicyGenius starts at Free and Haven Life at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, PolicyGenius or Haven Life?
PolicyGenius starts at Free and Haven Life at Free.
Does PolicyGenius or Haven Life run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use PolicyGenius for free?
Both have a free tier, so you can try either at no cost before committing.
What is PolicyGenius best used for?
PolicyGenius is most often used for life insurance shopping, home insurance comparison, policy management, financial protection. Of those, home insurance comparison and policy management are not what Haven Life is typically brought in for.
What can PolicyGenius do that Haven Life cannot?
PolicyGenius covers Quote comparison, Policy application, Digital underwriting, Policy management. Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options. Both handle Payment processing, SSL encryption, PCI compliance, Cloud deployment.
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