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Do You Have Life Insurance?

Cup of Jo: Haven Life Insurance

The other day, I asked the boys, “What’s the job of a parent?” Their answers surprised me…

Cup of Jo: Haven Life Insurance

Cup of Jo: Haven Life Insurance

Five-year-old Anton replied, “Well, I don’t want kids. Parents have to take care of them, like the whole time.” True, I laughed. But is there anything you would like about being a parent? “Lighting candles,” Anton said, after thinking it over. “I’d really like lighting candles.”

Cup of Jo: Haven Life Insurance

One beautiful, but less photographed, part of parenthood is taking care of kids when they’re grumpy, hurt, embarrassed or frustrated. “Parents cuddle kids when they’re sad,” eight-year-old Toby said. “And it works.”

It goes without saying, but becoming a mom made me look at life a different way. I suddenly found myself pondering big questions and staying up at night worrying about whether they feel seen, how they navigate tough times at school, what their future paths will look like. As a parent, there are so many things you do to love and take care of your family, in small and big ways. And because part of being a parent means planning for unforeseen circumstances (even if it’s hard to think about), I think that term life insurance is a great way to help protect the people you love if anything happens. And it’s not just for parents — but, really, anyone who has loved ones who rely on them.

Cup of Jo: Haven Life Insurance

Haven Life was founded by a new dad who thought purchasing life insurance could stand to be much easier. When he and his wife were expecting their first child, they wanted to buy term life insurance, but found they couldn’t get quotes, apply for, or purchase a policy online. Plus, it took weeks for their coverage to kick in. He wanted to make term life insurance more accessible for those who want it. And so, Haven Life was born.

Cup of Jo: Haven Life Insurance

Haven Life modernized the process of buying term life insurance, so that it’s simple and affordable. Their site is user friendly and easy to navigate. If you don’t know where to begin, they have a simple insurance calculator to help you figure out your needs. They also make it easy to get a quote. You just fill in a few quick pieces of information, and your quote pops up immediately. And coverage is surprisingly affordable. (A 20-year, $500,000 Haven Term policy for a healthy 35-year-old woman is $23.34 per month.)

Cup of Jo: Haven Life Insurance

Even though Haven Life is an innovative kind of life insurance agency, it’s backed and wholly owned by MassMutual, a leading insurer, so I feel we can rest easy knowing that it’s coverage we can trust. If you’d like to see what other people have to say, Haven Life has received tons of positive reviews from customers about their experiences.

Cup of Jo: Haven Life Insurance

Do you have life insurance? What has your experience been? If you have any questions about term life insurance, Haven Life is standing by to answer them in the comments!

(Photos by Heather Moore for Cup of Jo. This post is sponsored by Haven Life, an online life insurance agency whose mission we believe in. Thanks for supporting the brands that support Cup of Jo.)

Haven Term is a Term Life Insurance Policy (ICC17DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC. Policy and rider form numbers and features may vary by state and not be available in all states. Our Agency license number in California is 0K71922 and in Arkansas, 100139527.

  1. Nina says...

    God I wish I lived in the states. I’m paying close to $200 a month for a combination of whole & term life insurance for only $350K coverage (and I was 31 when I first got it!) I have a mortgage so hence, life insurance. I can cash it out after 20 years to either help pay for university for children and/or pay off the rest of the mortaga

    • Aileen Baylon says...

      Wow, same here. I’m paying $300 for me and my husband. I’m 35 and he’s 42.

  2. megs283 says...

    We have life insurance that we obtained through an insurance broker. It was free to work with him. He found us the best rates and took care of everything. It just required one visit from the broker to our home to explain options, and then a quick visit to our home by a medical professional to check BP, urine, etc.

    I believe it’s $450/year for me and $500/year for my husband, and we have a $1 million policy. It sounds like a lot – but if one of us dies, it will allow the other person to pay off the house and then put money away for college for the kids. It goes fast!

    It gives us peace of mind and I definitely recommend that parents get it.

  3. Daynna says...

    I absolutely love that Toby wears leggings. They are the softest, most comfortable pants ever made and it’s a terrible thing that they’re frowned upon for men. And I wish so much I saw more little kids who are male wearing them! So go, Toby! Start the revolution!

    I think you’ve mentioned where you’ve bought them before. Any chance you could link to it again?

    • Joanna Goddard says...

      What a sweet note! They’re from primary kids xoxo

  4. Hello Joanna,

    Thanks for sharing, Right now, I’m with StateFarm and was looking to change for a while now, and your post gave me a little clarity and I would love to give it a try with Havenlife.

    Thanks

  5. anne says...

    Yay! Anton is a Packer backer! Love him even more now :)

  6. Beth says...

    Haven: I went to start the process of getting a quote on your website and stopped when i saw that current military members are not eligible. Can you explain why not? Thank you.

    • Hi Beth, thank you for your interest and for your service. We’re unfortunately unable to support applications from current members of the military due to the nature of the vocation. The Haven Term product is designed to be as affordable as possible. In order to achieve this, there have to be some limitations on the circumstances that can be covered by a policy. The Haven Term policy doesn’t currently cover active duty military personnel, but there are several insurers and policies out there that do.

  7. Stacy Sprangers says...

    Completely off topic, but Anton in his Rodgers jersey is life! Wisconsin born and raised ( and living just south of Green Bay)-it always makes my heart happy to see people outside of Wisco love the Packers!

  8. KW says...

    Thank you so much for sharing this! I have been looking for life insurance for awhile, but the process is so tedious and old-fashioned (I may be an outlier here, but I truly HATE getting mail) that I find it keeps getting pushed to the bottom of my list.

    I loved the idea of the whole process with Haven being done online, so I filled out the application this morning. It was instantly approved. I paid the first premium and my policy is active as of TODAY. I seriously can’t believe how easy that was.

    Your site is one of the few I read where the sponsored content is so thoughtfully created and genuinely useful that I don’t just scroll by. In over a decade of blog reading, I think this may be the first time I’ve clicked through a sponsored post and made an immediate purchase — and what an important one this was. THANK YOU!

    • Joanna Goddard says...

      thank you so much, KW. that is so nice of you to say and means a lot! xoxo

  9. Lauren says...

    I wanted to chime in about life insurance for children. I have a friend who has since passed, who had a genetic disease. They found life insurance for their baby and bought it before he was tested to see if he had inherited the gene. It turns out he had unfortunately inherited it. So if you have genetic issues or illnesses and are having children, that is something you likely want to consider.

  10. Brittany Hassell says...

    Go Pack go!!

  11. Kathryn Davé says...

    Hi Haven!
    Love your brand, love your clarity and accessibility, and my husband and I would *love* the chance to purchase coverage through you—however, my husband has had lots of trouble getting coverage from life insurance companies because his weight doesn’t fall in the correct table for his height. He is very healthy, just tall and thin—it’s a genetic thing and he has a letter stating his clean bill of health from his primary care physician. Anyway, I realize an internet comment is not at all the forum for this, but I would love to talk to an actual person because after so many dead ends, we need an advocate. We have a 3 year and a 1 year old and not having life insurance for my husband really stresses me out. So if Alex at Haven Life can help us out, please let me know! :)

    • Hi Kathryn, thank you so much for the positive feedback! One of the many great things about creating a digital life insurance experience is that it required rethinking how applicants are reviewed and underwritten. Compared to the rest of the industry (where eligibility is usually more black and white or based on checking the box for each data point), the way Haven Term applicants are reviewed is much more holistic. We would be happy to discuss this more over the phone. If you’d like to speak with a member of our customer success team, please call us at (855) 744-2836. You’ll be connected with an individual directly.

  12. Ellen says...

    My dad’s life insurance is what saw me through college after he died in a sudden accident. While nothing can ever replace the urge to have him present beside me, it’s a comfort to think he still contributed to my education and growing up (and money aside, still contributes to many parts of me to this day).

  13. Madeleine says...

    Am I the only one desperate for the frames to be straightened up? :D

    • Laura says...

      Nope, me too ;)

    • Joanna Goddard says...

      Haha I’ll make this a project tonight! :) although I kind of love them wonky and imperfect, too xoxo

    • EJC says...

      They’re much better in their slightly crooked state :) that’s a well lived-in home!

  14. Liz Velasquez says...

    We bought whole life insurance straight out of college, not knowing any better. We are both now in our 60’s, no kids, no mortgage, healthy retirement accounts, but yet we still hold on to it. Just last night we were discussing cashing it in since the cash value is now a tidy sum and buy our funeral plots. I absolutely do not want to burden any family member due to our lack of plannning

  15. Karen says...

    I would also lump this in with: do you have a will? Both are hugely important, especially when you have kids to plan for!

    • Hi Karen, we agree and this is an area of interest and need we have been seeing among our customers. To help with that, last year we debuted Haven Life Plus. It’s a rider on our Haven Term policy that provides policyholders in eligible states with access to no-cost or discounted services. These include a complimentary online will service (through our partner Trust & Will), a digital storage vault for storing and sharing important documents, and 20% off at MinuteClinic. You can learn more about Haven Life Plus here: https://havenlife.com/blog/meet-haven-life-plus/

  16. Claire Walker says...

    We got life insurance about two years after my first son was born. The thing we don’t have: A WILL!!! :0
    It is so irresponsible and I feel slightly panicky about it at least once a month but I truly have no idea where to start. I legitimately started a Google Doc called “when I die” a couple months ago because I do feel strongly about some things – but most of them are the songs that should be played at the service. I used to be in shock every time I read about a celebrity who passed without a will but now I totally get it…

    • Erin says...

      Just call your lawyer today! There are probably cheaper ways to do it but just call your lawyer. And if you don’t have one, just ask a friend and use hers. First step is making the appointment. You can do it!

    • Anna says...

      There’s a website called Get Your Sh*t Together (https://www.gyst.com/) that has a checklist for this exact situation. It shows you all the steps you need to take to get your sh*t together and plan for the future. What’s great is it has lots of guidance as you move through the checklist!

    • jcarlyle says...

      Claire, I made a will with Trust & Will (online company) and it was very simple and affordable. I definitely recommend them!

    • Michele says...

      I found out about Fabric through COJ last year, and it made writing our will so easy! And free! http://www.meetfabric.com

    • Claire Walker says...

      So grateful for the push and for the resources from you all. Thank you, thank you! Get Your Shit Together sounds like it needs to be my go-to website for all things!! This community is so meaningful – thank you, again!

    • Hi Claire, though you already have life insurance, we wanted to take a moment and mention that many of our customers share the same need for a will as you. To assist our customers with other important items on their to-do list, our Haven Term policy comes with additional benefits beyond life insurance coverage. Haven Life Plus, a rider (think: added benefit) on our Haven Term policy provides policyholders in eligible states with access to a no-cost online will through our partner Trust & Will as well as other services. You can learn more here: https://havenlife.com/blog/meet-haven-life-plus/

    • jones says...

      It is very important to have estate planning documents. Please work with an attorney who practices in this area in your state to create the documents. I know many people use online services, but I practice in this area and the documents I review prepared by online programs/services almost always have issues. People think they are saving money by using online services instead of an attorney, but it is worth it to pay to make sure it is done right and consistent with your wishes.

  17. My husband and I are expecting our first baby (we’re due in July!) and so a few months ago we hired a financial planner and bought ALL the insurance, including Haven Life. :) It was the only one we found that’s online, up front, and not sales-y in a used car dealership sort of way. We also like that it’s underwritten by MassMutual but significantly less expensive. The only insurance we’ve yet to buy is disability…I’d love a post with suggestions for how to navigate that, if others are interested??

  18. Ramona says...

    Don’t any of you people read mystery novels? If you get life insurance, your husband will try to murder you and make it look like an accident!!

    • Maiz says...

      HAHAHA!

    • Joanna Goddard says...

      hahahaha

  19. Emmy says...

    Does anyone know what happens to your policy rate should you (very occasionally for chronic insomnia) smoke marijuana?

    • Hi Emmy, the short answer is that it depends. This is a topic that’s starting to come up a lot in our industry and the perspective on it is evolving. If your marijuana usage is very occasional, it should not impact your rate. Either way, you should be honest about the usage in the underwriting process (as it may come up in the medical exam). We elaborate more in this post: https://havenlife.com/blog/marijuana-life-insurance-premium/

  20. Mary says...

    We don’t have kids, but both of us have additional life insurance. A friend who’s husband sold insurance once explained it this way: Buy enough insurance so that whoever is left behind can continue to live the way they’re used to living. For us, that means enough insurance to pay off our debts, which include one car and the house. We’re pretty close to paying off the house note, so we need to rethink things in a few years.

  21. Melanie says...

    I would love to see a post from Paco about disability insurance. How much should I insure myself for, should my coverage be separate from what my employer offers, etc.

  22. jamie says...

    Go Pack Go! ; )

  23. Caitlin says...

    What if you are a US citizen but currently live abroad?

    • Hi Caitlin, thanks for your question! We are only able to sell term life insurance to current residents of the U.S. If you should find yourself residing stateside in the future, though, we’d welcome an application.

  24. Great topic! Love all the advice in the comments about working with a financial advisor. The comment about how to pick a financial advisor seems like a topic that may fit in with your financial series posts. I would be happy to weigh in! I’m a young working mom who often sees how saving for retirement and life insurance get pushed to the back burner for clients who are reacting to whatever’s happening in their life right now without projecting what they’ll need in the future. Life’s better with a plan and a financial advisor can help!

  25. Amy says...

    I’ve been told that I should be putting more money towards a second life insurance policy outside of my workplace. I’ve also been told I should be saving for retirement outside of my policy as well. While I agree, I probably should be, I’m so overwhelmed by it.

    I am 26 years old, going on 27 tomorrow, and I haven’t been able to afford health insurance for about 4 years. I’ve budgeted on a yearly basis, cut out all fun spending money and yet still cannot afford it, so I don’t know how people are expected to afford 2 retirement funds, 2 life insurance options, etc. And this is coming from a person who makes a relatively decent wage compared to a lot of my friends *though they’re still on parent’s insurance I believe*, but it simply does not match the cost of living.

    Anyways, I’m very thankful that I can afford the put the minimum amount of money into a retirement plan and life insurance plan at all. Not to be a downer, I just get so overwhelmed sometimes by how many policies I’m told I SHOULD have that I DON’T.

    • Jackie says...

      SAME!

    • Katie says...

      Same! Great comment!

    • Jo says...

      My birthday is tomorrow (well, today), too. Happy birthday, friend! :) It is all overwhelming for sure, but at least you are putting some money away. As you make more money, you will put more away.

  26. vava says...

    I have whole life insurance since I turned 18. It has grown in value considerably and I could cash it in at any time. I’m glad I don’t have term life insurance!

  27. D says...

    Yes, do it sooner than later and shop around if you need to! There are certain things that can surprise you that some insurers won’t cover. My husband stopped drinking several years ago and when asked during our health interview if he had ever attended AA meetings or gone to therapy to help with recovery he answered honestly – yes. That put him in the highest risk category even though he is far healthier for NOT drinking than he was before. We ended up finding different coverage that did not discriminate that way.

    Even if you don’t have dependants right now, getting a low policy that you can increase later can be a help – if you were to get any kind of disease or health issue it could disqualify you later. My mom had MS when she was in her 30s – and has been symptom-free for 40 years – and was not able to get certain types of life or long term care insurance because of it.

  28. Heidi says...

    We’ve made a testament that makes clear what would happen to our child if something happens to both of us (he would stay with my husband’s sister) and we also have a lot of savings and an apartment that we rent out. My husband is also insured via his job, so my son and I would get some sort of pension (obviously he is the one who’s making more money!).
    What I think is really important in this matter is that you know what to do in case something happens to your partner. Like, knowing where the money is, having account authorization or that both should be parts of the rental contract… just as important as life insurance!

    • Deborah says...

      And you need to figure out how to get cash in hand ASAP if you and your spouse have joint accounts. Keep it in a safe, pull $30,000 from savings within 24 hours, or something similar. Learned from my FIL, who planned everything out, “just in case,” for my MIL.

    • Jannelle says...

      I absolutely agree! We have a notebook/binder at home that has copies of ALL insurance, mortgage, wills, etc… so either of us can access it, as can our children. It’s updated annually as the new statements come out. I also keep the business cards of our agents in there and a hand written note to whomever ends up with the task of pulling that binder off the shelf.

  29. I was about to get life insurance when I was diagnosed with breast cancer. I’ve always felt guilty about putting it off. Now, I don’t think I can get life insurance and if I can, my understanding is that it would be cost prohibitive. It kind of stinks.

    • Joanna Goddard says...

      that’s so hard, carrie. i’m sorry xoxo

    • Christi says...

      Carrie, after my husband’s cancer diagnosis we found several associations that we could join or were already members of through which we could get small amounts of “guaranteed issue” ( no questions asked) life insurance. Try checking any alumni associations or professional associations you could join. You could also qualify for “second to die” or survivor life insurance if you get insured jointly with a partner or other person. Just a couple of things to google. And, with advances in cancer treatment and survival we have found that my husband is no longer uninsurable, 3 years post-remission. Sending you all the best!

    • Alexandra says...

      I am in the same boat, and I feel really bad that I did not get life insurance (that was not provided by my employer) before that – we had just bought a house prior to me getting BC. But who expects that at 45? Well, ladies, do it before it is too late. Carrie, I hope all is well with you now ….

    • Carrie says...

      Christi, I will look into what you’re recommending. I really appreciate it!
      Alexandra, I’m sorry you’re in the same boat as well. I am doing well now…just dealing with the after effects of cancer…you know how it is. I hope you are doing well too.

  30. Cynthia says...

    Everyone needs life insurance, especially if you have children. As you get older, your needs will change. A few years ago, I changed my policy to one that would allow me to use funds for my care, up to the maximum of the policy if I did need it. While we’re on the subject of life insurance, make sure you have a will. Skip the do it yourself stuff, and see a lawyer. If you don’t have a lot of complicated assets, it’s not too expensive.

  31. Katie says...

    I gotta say it – Go Pack Go! From, a fellow cheese head :)

  32. Silvina says...

    Anton understood EVERYTHING.

  33. Jane Wang says...

    Can you please recommend some recommendations for financial advisors, or how to find them? Especially for your readers abroad who may have some tricky tax situations? I am a Canadian living/working in the UK, who used to live/work in the US and have a mortgage in Canada, multiple bank accounts in the US, and a bank account in the Isle of Man. I have no idea what I’m doing. Help!

    • Hilary says...

      Yowza, that is a tough set of facts! I am a US financial advisor (CFP) and CPA (inactive), so I fully appreciate the complexity to your situation. Since you are Canadian, I suggest finding a financial advisor in Canada. You may be able to search for someone through the FPSC of Canada website, but definitely ask your family and friends if they are working with someone they like. Many advisors work with clients virtually these days, so as long as you plan to return to Canada one day, using someone there probably makes the most sense long-term.

      You may need a tax expert for your Canadian and UK taxes. (Perhaps your employer helps?) You may even need an attorney to help you if you ever want to move your bank accounts from the US back to Canada.

      BUT. Start small. Find a financial advisor first. This person should help you understand your full financial world and help you simplify aspects of it over time.

  34. Rosie says...

    I don’t have a partner or children so do not need life insurance (I have enough savings to cover a funeral) but as I get older have decided that insurance to cover my bills if I become ill and cannot work is essential.

  35. We purchased life insurance when I was pregnant with our first baby. A few months after she was born, my husband received a cancer diagnosis. While he’s now officially six years out, and cured (!), there’s no way he’d qualify anymore at the price we paid then. I always, always tell people to get life insurance when they’re young and healthy, if possible. It’s one of the best decisions we made in our early parenting months.

  36. MissEm says...

    My husband and I had a realization last year: even though I am a stay at home mom and don’t currently bring in an income, I NEED LIFE INSURANCE. If something were to happen to me, my husband would suddenly have to pay for all of that work that I do for free, and his salary wouldn’t cover that. It actually made me feel really honoured, to know that even though I don’t bring in money, I still contribute financially to our family in a significant way.

    • Joanna Goddard says...

      Yes!!!

    • Nichole says...

      As someone who is about to become a stay at home mom, and struggling with the guilt of not bringing in an income, thank you for that way of thinking! My husband and I have no doubt that the contribution I will be making to our household is significant, but this way of thinking could be a game changer.

    • Ramona says...

      This is such a good point. My husband suggested that perhaps I don’t need life insurance because my salary is much lower than his, and I gently pointed out that if I die, the laundry/meals/cleaning/school-pickup fairy dies with me. :)

    • Dana says...

      Yeesssss. Serendipitously, I had a call scheduled with a life insurance company for this afternoon before I even saw this post, and the game plan was to talk through the details of a plan for my husband. I wasn’t even considering a plan for myself. Thank you so much for changing my mind.

  37. Christi says...

    I second the commenter above who mentioned that whatever life insurance you get through your employer is not enough. In fact, as someone whose spouse is a cancer survivor (at age 36!) I cannot emphasize enough that you should have fully adequate life insurance that is NOT tied to your job, and that the employer policy should mostly be seen as “extra.” Though my husband has thankfully been in remission, he was totally uninsurable for several years after diagnosis. And, particularly after a life-changing health event, it is awful to have to think about turning down your dream job because it can’t match the life insurance at your current one (yes, you may be able to “convert” the old policy to whole life insurance but that is ridiculously expensive). Get as much non-employer life insurance as you think you’ll need if the absolute worst happens, as soon as you can.

    • Cynthia says...

      I totally agree. You need more than what your job offers.

    • Christi, thanks for sharing your family’s story, and we’re so glad to hear your husband is in remission. Many people think that if they have life insurance through work, they’re adequately covered. However, those policies are usually only 1-2 times your salary (experts recommend at least 5-10 times your salary) and job dependent – coverage ends when you’re no longer at the job. Buying individual coverage while you’re young and healthy is so important. Thanks for helping educate.

  38. brooke says...

    Yes! And disability insurance is so important too- many more people end up using that than life insurance

    My fit and seemingly perfectly healthy 41 yr old brother collapsed and died suddenly this year. While we would trade any amount of money to have him back, it’s a huge blessing that he was prepared and had good life insurance!

  39. CB says...

    Oof. My bio dad died when I was 2 and he didn’t have life insurance set up for my mom, me, and my brother. Luckily my mom got it to cover me and my brother because she then passed when I was 13. Our family (my brother, stepdad, stepbrother, and half sister) still really suffered financially after her death, but the money she left allowed me and my husband to purchase our first home despite me not bringing much else to the table financially. Our financial advisor helped us get set up with term life insurance for my husband and whole life insurance for me because we aren’t sure if I will have the same health outcomes as my parents. Not a fun topic but a must!

    • jules says...

      Wow. What a journey. Sorry you had to go through that.

  40. Amanda says...

    hi Joanna! can you tell us what is that plant u have behind your cutest sons? it is positively beaming and i have a plant that looks like that but hardly as leafy!

    • Joanna Goddard says...

      I’ll ask Alex! He’s the plant guy in our family:)

    • Alena says...

      Dracaena marginata:)

  41. Ellie says...

    Way to rock that #12 jersey Anton! Being a cheesehead looks good on you :)

  42. Amy says...

    Totally off topic, but is Anton wearing an Aaron Rodgers jersey? Wisconsin girl here! Hoping you all are Green Bay fans!

    • Joanna Goddard says...

      Yes! :)

    • Erin says...

      Yes we need the story behind this connection (also from WI)!

  43. Samantha says...

    My parents have a life insurance policy for me that covers funeral expenses. They are definitely not hurting for money, but it’s one of those things that would make a very difficult time a little easier, knowing the finances are already taken care of.

  44. Rebecca S says...

    Anton is a Packers fan?! Love all of the photos!

  45. Jaidy says...

    Go Anton, loving the Rodgers jersey…

  46. Sarah says...

    Thank you for this! Joanna, do you mind me asking where you got your lovely rug?

  47. My kids all know who will take care of them if something happens to mom and dad. (C and M) I tell them they will help them with their hair, and make sure they have their favorite things from our house and take them on vacation and help them with college. And there will be enough money to do all of that because we have life insurance. It comes up as a topic every now and then and I think they all feel reassured….

  48. Carolyn says...

    Ahhh Ferdinand! About a decade ago I rescued an Abstract Expressionist painting from my grandmother-in-law’s house that turned out to be by Robert Lawson, the same guy who did the amazing illustrations for The Story of Ferdinand. Her husband bought it and she HATED it, so when he passed away it got stashed in garage. So far this story is completely wasted on my two year-old son (as is the hilarity of Ferdinand’s cork tree with little cylindrical corks hanging off like grapes) but hopefully some day he’ll think it’s cool.

    • LB says...

      One of the best kids books. A fave from my childhood.

  49. Lesley says...

    Sweet photos of you all.

  50. Caroline says...

    Completely off topic…

    Joanna, you look like a total BABE in that first photo!!! What is that lip color?

    Ok, that’s all, happy monday :)

    • Joanna Goddard says...

      You’re so sweet! It’s a $6 one, I’ll find the link!

    • Caroline says...

      <3 <3 thank you <3 <3 (I have similar coloring and I find it so hard to find shades of red/orange that don't bring out all the red in my face haha)

    • Joanna Goddard says...

      Bonus: it’s $3.89!

  51. Liz says...

    Hi Haven,

    Why can this not be used to replace an existing life insurance plan?

    • Hi Liz, this is a bit of a lengthy one to explain, so please bear with me. If you have coverage that you plan on canceling if you are approved for the Haven Term policy, the life insurance industry considers that a “replacement.” There are specific regulations we must comply with regarding how replacements are handled. For example, this includes having to notify the other company about the replacement and having you sign additional forms. We do not currently have a process in place to support this.

      If you’re looking to supplement your existing coverage, though, we welcome an application! If your needs were to change down the road, you could always reduce your total coverage in whatever way you see fit.

  52. Lisa says...

    I started filling out the application but really didn’t want to enter my SSN online. I wish I could fill out 99% of the application and then speak with their customer service rep to add any sensitive information. Is there a physical exam? If so, will they come to our home? Also, can you pay the premium annually? Thanks

    • Hi Lisa, like with many financial products, SSN is required to verify your identity. Note that confidentiality and security of your personal information are our highest priorities and we apply many safeguards to protect your personal information.
      We’re happy to discuss this with you further personally. You can reach us via chat, email (help@havenlife.com) or phone (855-744-2836). Some of our applicants need a medical exam, which we let you know once the application is submitted. If you need to take an exam, the paramedic can absolutely come to your home if that’s your preferred location. We only support monthly premiums, as it helps us keep our policy costs down.

  53. Kirsten says...

    My husband and I JUST bought life insurance last week. Not the sexiest monthly expense, but we both feel better knowing that if anything happens our kid and the surviving spouse wouldn’t have to worry about money and would be well taken care of.

    It took forever to get everything straightened away, and We just kept morbidly joking while we waited for test results to clear: “no one get in an accident until next week!”

  54. Anne says...

    We got life insurance when our first child was born. We were self-employed at the time (read: poor), so it was a bit of a big deal to get it. Life went on, and I got a job with great benefits. We kept paying on our policy though. I never, ever thought my husband would get cancer. He was so fit and so healthy. It is what it is, and now I’m a widowed mom of two. Our reality, the kids’ and mine, would have been much, much worse if we didn’t have the small financial cushion from his life insurance money.

    • Megan says...

      I’m so sorry for your loss, Anne — I hope his memory is always a blessing for you and your family

    • Katie says...

      I am so deeply sorry for your loss. I’m so glad you have a cushion ♥️

  55. t says...

    Yep. I am 39 and have a 20 year term policy that I obtained when my first was born 5 years ago. I am the primary breadwinner so it was extra important in our family. I obtained a $1m policy as we live in an expensive area. It’s not cheap ($55 per month) but at least I know my family won’t have to stress over finances and deal with the pain of losing a parent and spouse if that should happen.

    I found the experience of traditional life insurance to be super easy but more options are always a good thing.

    My 5 year old is super into having me light candles so he can blow them out over and over.

  56. Betsie says...

    When my husband and I got married a little over three years ago, we used a chunk of our wedding money to begin working with a Financial Advisor. One of the first things he had us do was purchase life and long-term disability insurance. We NEVER would have prioritized these if he hadn’t pushed, given that we had a negative net worth at the time (hello student loans and pricey urban cost of living!) . We’re now preparing for the birth of our first baby, and just last week we were chatting about how grateful we are to our Financial Advisor for having us get our house in order back then. My number 1 advice for my peers, newly wed or otherwise, is to find a financial advisor you trust!

  57. katie says...

    Same. And yet. . .I have pets & student loans & a niece & nephew I’d want to help out if I could. Still, since 1/3 of American adults are single, I wonder if we’ll start to see more creative financial services. Wouldn’t it be rad if single people could get life insurance that would go to select friends and/or charities when we die? I hope to have my student loan paid off by the time I kick the can, and I’d love if the aforementioned were possible! Much food for thought here. . .and of course, there’s definitely keeping it simple like you say!

    • t says...

      You can absolutely do this. You can get a life insurance policy and name anyone you want as the beneficiary. It can be friends or a charity or anyone.

    • Betsy says...

      Or, just open a charitable giving account instead of paying a silly premium on insurance! Fidelity Charitable has a very user-friendly platform, you can pre-fund your charitable giving for as many years as you like! I have no dependents, so term-life insurance really makes no sense.

    • Hi Katie, you make a great point! Life insurance is ultimately about the legacy you wish to leave to the people, pets and organizations that you love in your life. We let you select up to 10 primary beneficiaries, which can be nieces, nephews, trusts or your estate. You can’t name your pets, but you can name your pets’ intended guardian as the beneficiary to help with their expenses.

  58. I have been thinking a lot about this after reading about Anjali Pinto (Chicago photographer who lost her husband suddenly after only 3 years of marriage — her instagram is incredible). She wrote about how his life insurance allowed her to take a lots of time off to travel, grieve, and heal. I think it’s definitely a worthwhile thing to pursue if you have dependents.

    • Hi Lexie, Anjali touches on an important point of life insurance that’s sometimes overlooked. While the proceeds from a policy can be used for practical expenses like the mortgage, it can also help your family afford some much-needed time to process their loss and grieve. The last thing a grieving loved one should have to worry about is rushing back to work as quickly as possible or to stress over how they’ll cover upcoming monthly bills. Glad you’re considering coverage, and we’re here to assist if needed.

  59. liza says...

    thanks for posting about this. this is exactly the push I needed.

  60. Sandra says...

    Is anyone else having trouble getting the life insurance site to work? I just get a blue page with the logo on it but nothing else…

  61. Jessica says...

    I feel like we need Paco to do a post on this one. There are too many options and variables out there. I need someone NOT from an insurance company to explain it all.

    • Erica says...

      Yes, I totally agree!

    • A says...

      Yes, yes, yes to this!

    • Patricia says...

      Yes! Thanks for saying this!

  62. Megan says...

    Thanks so much for this recommendation! I’m in the process of trying to become a single mom by choice (SMC), and will need to start looking into life insurance when I’m lucky enough to get pregnant. I feel woefully ignorant of all the options, so appreciate a company that streamlines the process. As always, thanks for what you do. You published a post a few years ago written by a woman who had a baby on her own, when I was first thinking about this, and it was such an affirmation. Just a little note to say–your work has such positive, real impact on so many of your readers!

    • Joanna Goddard says...

      that’s so wonderful and heartening to hear, megan! and i’m really excited for you.

    • Meredith says...

      Megan, I began pursuing single motherhood exactly 2 years ago and my 10 month old is crawling around in front of me. Best decision I ever made. <3

  63. i was just thinking about RENTER’S insurance in brooklyn. do you have any recommendations, beloved community? i would be so grateful. there are so many options and so many differing reviews.

    • Hi Zivar, that’s a smart move! We’re kind of experts at this easy insurance stuff. Check out Jetty and Lemonade.

    • Katie says...

      I have a basic renters policy from State Farm. I got it bc 1) Ross and Dr Green yelled at Rachel for not having renters insurance and 2) a coworkers upstairs neighbors apartment flooded and ruined coworkers’s furniture.
      I’ve had it for years and it’s about $200 a year for my 2 person/2 bedroom Brooklyn apartment.
      I had a break in about 5 years ago and I really didn’t have any hassle with State Farm.
      Here are my tips for any homeowners/renters insurance:
      -Take pictures or scan big ticket receipts and email them to yourself. Even pictures of the items could be helpful (like the back of your laptop)
      -You might need a separate jewelry policy. Mine only covered up to $10,000 in jewelry even tho the policy is for more. That was fine for me but I know it’s not enough for some people.

  64. Meredith says...

    I don’t have kids depending on me yet, but I still have a term life policy with my parents as beneficiaries to pay off my student loans! I’m not sure if traditional federal loans would be forgiven if the borrower passed away, but my parents funded the bulk of my college expenses with a home equity line of credit and now they’re relying on me and my income to help them pay off the loan. Life insurance is not a sexy topic, but it can be a great source of peace of mind for so many unique situations!

    • Very smart and kind of you to have your parents’ backs, Meredith.

    • Cait says...

      YES! Even if you don’t have kids, you likely have expenses related to your life that would be a burden on others to carry. I’ve had life insurance throughout my 20s/early 30s even though I don’t have kids or a spouse precisely so my parents can easily deal with my school loans, expenses with closing out a lease/moving my stuff, caring for my dog, etc. It’s not just about having younger kids!

  65. Nectar says...

    my mom actually got me life insurance when I moved out of the house (I was 22).
    Which I thought was nuts and morbid, but then she told me she’s had a life insurance policy since her 20s (she’s in her 60s now), and the benefits of the dreaded and unexpected.

  66. Laura says...

    My husband and I gifted both of our children with life insurance policies upon college graduation. Not flashy, but very adult. In 15 years, they can access the accrued funds with no penalty, or choose to create a different kind of policy based on their current life situation/s.

    I’m at the age (52) when the spouse and I are actually looking at long-term care policies, to cover the insane expenses of care should we develop serious illnesses, dementia, etc. If we never need these funds, they become death benefits payable to our grown children. Again, not glamorous. But the estimated MONTHLY cost of a (good) nursing home in our city 20 yrs from now? 20k. We do also have regular life insurance policies.

    • katie says...

      What a gift! My parents are inching up there in age and we’ve been having a lot more conversations about what they’ve got covered & where there may be major expenses. These are tougher conversations and so worth having. Thank you for sharing the above! You’ve given me some talking points for my parents, as well as ideas for what to do for myself and my future children. Thanks again!

  67. t says...

    questions:
    – Do they still do exams to underwrite the policy and determine health
    – Does it kick in faster than traditional policies where you have to wait for the exam and results

    Thanks!

    • Hi T, thanks for your questions! I’m Alex, a member of Haven Life’s customer success team. When an application is submitted, we give you an instant decision on whether or not you’re approved for coverage. If approved, you can start coverage immediately. We’ll let you know if a medical exam is needed to verify the information submitted in the application process. If it is, you can take it at a time and place convenient for you. Much of the time, you can also have coverage in place during the exam and review process!

    • t says...

      Thanks Alex. That is very helpful information.

  68. Laura says...

    As a cheesehead, I couldn’t help but smile at Anton’s choice of jersey ;) We’ll get ’em next year, Anton!

    • Jenny says...

      Same!! I was so excited to see him in a Rodgers jersey :)

    • Liz says...

      YES same!!!!!! Love it! :)

  69. jen says...

    I can’t agree more with your statement…”really, anyone who has loved ones who rely on them.” My husband and I do not have children and do not plan to – but, we didn’t want to leave the burden of a mortgage if either one of us were not around. We always thought insurance under our employer is all we needed – but really most people need more than it covers/they think. After spending time with our financial advisor – we both needed additional life insurance. Luckily, we were able to get through my alma mater plan at a great low monthly cost. But, it did take some time to get it set up (lots of calls). Other options are credit unions and current insurance lenders – sometimes you get a discount if you bundle.

  70. Emily R says...

    No kids, no husband, no life insurance. Makes life a little bit easier.

    • b says...

      Same. There’s nobody for me to leave anything to.

    • KT says...

      Life insurance also helps pay for funeral costs…if that’s applicable.

  71. Tamara Biedermann says...

    Hi!! I live outside US, do you know if they make life insurance plans in those cases? Thanks in advance !!

    • Hi Tamara, unfortunately Haven Life only offers coverage to U.S residents. Sorry for the inconvenience and good luck!

  72. Emma says...

    I have enough to cover our mortgage and expenses for a few years so my husband doesn’t have to make any sudden, or bad, decisions in the wake of an already difficult time. I think it’s less important if you don’t have kids and/or a mortgage.

  73. Sonja says...

    Very timely for us as we go through all this in our lives. It’s not a fun thing to think about but the relief is immense.

    To deviate momentarily: 1) Anton’s arm out of the jersey – hilarious! 2) Where is that green sofa from?

  74. celeste says...

    I do. My mom died at 50 so my term goes to age 48, when my kids will be grown anyway. Lots of family deaths this year have shown me how important it is to have a guardian, a health care power of attorney, a financial power of attorney and a will, so I’d say all those things go hand in hand.