Haven Life was founded with a pursuit to take a time-consuming, confusing process and transform it into one that's actually simple. Yes, we're referring to buying term life.
If you've found this page, the chances are you have already taken the initial step of trying to get life insurance coverage. Bravo – it is a smart move for anybody who really wants to leave an economic legacy, and we're happy to say, you only have a bit further to go. Three steps if you are keeping score at home.
Before we continue, it's worth proclaiming that just because you have to have a health check, that doesn't mean you’re in poor health or won’t obtain a great price. Rather, it means we need a little more information about you to give you an accurate term life insurance rate. Actually, nearly all Haven Term applicants who've to consider a medical exam end up receiving the most affordable price readily available for their own health and age. So, you are in good company.
Here's how much next:
1. eSign and ensure your information
Signing your application electronically isn't a resolve for buy coverage. It simply allows us to schedule your medical exam. Whatever you do is verifying that the information you've provided us with on the application is true.
You have as many as seven days to electronically sign the application. However, if you don't sign in seven days, you will need to resubmit the application. Don't worry -your existing application will mostly pre-fill your responses within the new application when you reapply, so you don't have to start from scratch.) Quite simply, there's no harm in signing.
2. Complete a life insurance medical exam
The reason for the life insurance medical exam is to assist the insurer determine the right price for your policy. While it's among the only offline aspects of Haven Life's application experience, we still take every effort we are able to to help make the process streamlined and painless.
The medical exam itself takes about 20-30 minutes. You are able to schedule your appointment online or higher the telephone.
The examiner can meet you in your own home, your place of economic or perhaps an exam office. Pick a place for the exam where you'll be most comfortable giving a blood and urine sample. We find that most Haven Life customers decide to possess the paramed examiner come to their houses.
Here's how much the paramed to complete within the exam:
- Review your family's medical history
- Measure your blood pressure, height, and weight
- Collect blood and urine samples
- Verify the health and lifestyle responses you make on your application
Pro tip: consider booking a morning appointment since fasting prior to the exam is recommended. For additional tips about get yourself ready for the health check, make reference to this beneficial guide.
3. Take a look at final offer
Generally, lab results become available inside a week of the exam. As we receive the information, our innovative technology looks at the results in real-time to obtain your final rate. When we need further information, an underwriter will touch base with some specific questions regarding your life insurance application. In rare cases, having a complicated medical or prescription history, medical records may be collected.
Once you receive your life insurance rate, you can choose to accept or decline the offer. We hope that the rate and the ease of the knowledge will win you over, but there is no pressure to buy if you're not pleased with the price.
Although unlikely, you may be declined for coverage in line with the results of your health check or a hardly any other factors. If that's the situation, don't be concerned, you may still have ample choices for coverage available.
Enjoy your peace of mind (plus some great added benefits)
When you buy life insurance, you're entering into a long-term relationship that may, depending on the term length you select, last 10, 15, 20 or 3 decades. Historically, the extent of this relationship is a monthly bill for years at a time. As a swap, you get coverage for the family and reassurance for you.
And, while that's OK because life insurance coverage is completely worth having, at Haven Life, we believe being a life insurance policyholder could be far more rewarding, which is why we offer Haven Life Plus.
Haven Life Plus is a no-cost rider around the Haven Term policy that provides customers with a suite of services that can help them live healthier, fuller and more protected lives. In eligible states, a Haven Term policyholder can engage in the next services, which are included in the cost of the policy:
- A digital solution for creating a legal will for you personally or you and your partner at no cost through Trust & Will (a $129 value). The service also includes any adverse health care power of attorney and directives.
- A secure online safe deposit box for storing, managing and sharing your family’s important documents free of charge through LifeSite (normally $80 each year).
- A 15 % discount voucher for family health services at MinuteClinic, inside CVS Pharmacy and Target stores.
It's not just easier life insurance, it's an easier life.