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Insurance · head to head

Haven Life vs Semsee

Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
Rated
-
Full reviewWebsite
Semsee logo

Semsee

Insurance

Small commercial insurance quoting that sends one submission to many carriers

From
Free
Rated
-
Full reviewWebsite

The short version

  • 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; Semsee the free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • They diverge on capability: Haven Life covers Instant quotes, Semsee covers Single submission to many carriers.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Haven Life and Semsee differ
AttributeHaven LifeSemsee
Pricing modelfreemiumPer user per month
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

Identical on both: starting price (Free), free tier (Yes), 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 Semsee

  • Single submission to many carriers
  • Appetite checker
  • Class code finder
  • Direct appointment quoting
  • ACORD forms
  • Auto-fill
  • Proposal generation
  • Wholesale and MGA access

What people use each for

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

Haven Life

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

Semsee

  • A personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirementsnot Haven Life
  • A retail agency quoting twenty BOP submissions a month that is losing hours retyping the same risk into six carrier portalsnot Haven Life
  • A wholesaler that wants a structured intake form so retail agents stop sending incomplete submissions by emailnot Haven Life
  • An agency checking appetite before spending time on a submission that no carrier on its panel will writenot 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

Semsee

  • The free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • Carrier coverage is concentrated in small commercial lines such as BOP, general liability and workers compensation, so anything with real complexity still goes to the carrier portal or the underwriter by email.
  • Quotes returned are indicative for many carriers and still subject to underwriting referral, so an agent can present a number to a client and see it change at bind, which damages trust.
  • The March 2026 acquisition by iBynd puts the product inside a wider distribution platform, and buyers should expect priority to shift towards iBynd's end-to-end ambitions rather than incremental improvements to standalone quoting.
  • Agency management system integration is limited, so quote and policy data frequently has to be re-entered into the AMS after binding, which reintroduces the duplicate entry the product exists to remove.

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

Semsee

Free
  • EssentialFree
    • Access to the Semsee carrier panel
    • Appetite checker
    • ACORD form generation
  • Professional$50/month
    • Everything in Essential
    • Quote your own direct appointed carriers
    • Class code finder
  • Enterprise$undefined/month
    • White labelled deployment
    • Advanced workflow
    • Carrier and MGA distribution features

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 Semsee if

  • You need single submission to many carriers.
  • You want to start without paying.
  • You also want appetite checker.
Semsee review

Questions people ask

Is Haven Life or Semsee better?
Neither clearly leads. Haven Life starts at Free and Semsee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Haven Life or Semsee?
Haven Life starts at Free and Semsee at Free.
Does Haven Life or Semsee run on more platforms?
Haven Life runs on Web, Ios, Android. Semsee runs on Web.
Can I use Haven Life for free?
Both have a free tier, so you can try either at no cost before committing.
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 Semsee is typically brought in for.
What can Haven Life do that Semsee cannot?
Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options. Semsee covers Single submission to many carriers, Appetite checker, Class code finder, Direct appointment quoting.

Answered from the vendors’ own pages

Semsee: Is Semsee free?

The Essential tier is genuinely free and gives access to Semsee's own carrier panel. Quoting your own direct appointments requires the Professional tier at fifty dollars per user per month.

Semsee: Do I need carrier appointments to use it?

No. That is the main reason small agencies sign up, since Semsee's panel provides market access without production commitments.

Semsee: Is Semsee still independent?

No. iBynd acquired Semsee in March 2026, though the product is still sold under the Semsee name.

Semsee: Which lines does it cover?

Small commercial: business owners policy, general liability, workers compensation, commercial auto and some professional liability, depending on carrier.

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