Haven Life Policy in 2026: Who Services It Now and How to Reach MassMutual

I have a Haven Life term policy: who services it now?

MassMutual services it. Haven Life stopped taking new applications in January 2024, and its home page told existing customers that their policies were unchanged and would be administered and serviced by MassMutual. For payments, policy changes or a claim, start at the MassMutual dashboard or the life insurance phone line on MassMutual's contact page.

This page is built from Haven Life's and MassMutual's own pages (several read through dated Internet Archive captures), two state insurance department pages and two named third-party reviews, rather than first-hand use. It is general information, not personal insurance advice.

What Haven Life told its customers

Haven Life's home page, in an Internet Archive capture from February 13, 2024, opened with a notice under the heading "It's been quite a ride". Its first line was "Haven Life is no longer accepting new applications." Its second line is the one that matters if you own a policy: "Rest assured, there is no change to your existing policy, which is issued by either MassMutual or its subsidiary C.M. Life and will continue to be administered and serviced by MassMutual."

The notice itself carried no date. Two third-party review sites do give one, and they don't agree on the day. Policygenius writes that "On January 3, 2024, Haven Life stopped accepting life insurance applications." NerdWallet says Haven Life "stopped selling life insurance policies as of January 12, 2024, along with its disability insurance and annuity products." Both are secondary sources, and both put the change in January 2024.

The old web address has moved on too. Typing havenlife.com now forwards you to MassMutual's account dashboard (checked October 2026), so bookmarks and links in old Haven Life emails lead to MassMutual rather than to a Haven Life page.

Who issued your policy: MassMutual or C.M. Life

Haven Life was the agency that sold the policy. The insurer on your contract is Massachusetts Mutual Life Insurance Company (MassMutual) or its subsidiary C.M. Life Insurance Company, depending on the product, the policy form and your state. Haven Life's site footer, in a capture from January 25, 2025, listed them like this:

The footer adds its own caveat: "Policy and rider form numbers and features may vary by state and may not be available in all states." Look at the company name printed on your policy documents before you call. That name tells you which insurer stands behind your contract, and it helps a family member who may one day need to file a claim.

How to reach MassMutual about a Haven Life policy

MassMutual's contact page, in an Internet Archive capture from October 2, 2026, opens its customer service section with "If you have a question about your MassMutual policy or plan, please contact us." For individual life insurance it lists two routes:

• Online: the MassMutual dashboard, where the page says you can "Log in to your account to email us".
• By phone: 1-800-272-2216, Monday to Friday, 8 a.m. to 8 p.m. ET. That is the line it gives for "All life insurance (Other than corporate-owned, bank-owned, executive group, and guaranteed)".

The same page lists separate links under "Other contact inquiries" for claims, forms, and billing and payments. It describes the MassMutual App as "The easiest way to manage your policies, make payments, view statements, and more." Numbers and opening hours can change between captures, so confirm them on MassMutual's live site and have your policy number ready when you call.

Haven Life's old help center no longer loads (checked October 2026), and its main address forwards to MassMutual. Use the contact details MassMutual publishes rather than phone numbers saved from old Haven Life emails or letters.

Keep the policy in force: premiums, grace periods and lapses

The end of Haven Life's sales did not change what you owe. Your premiums, payment dates and coverage still run on the contract you signed, and the part you control is paying on time. The Texas Department of Insurance's life insurance guide explains what happens when a premium goes unpaid. "Most policies have a 31-day grace period after your premium's due date." After that, "If you don't pay the premium within the grace period, your policy will lapse," and "This means you no longer have coverage and your beneficiaries won't get the death benefit when you die."

A lapse is not always permanent. The same guide says "You can usually reinstate a lapsed policy," but warns that "To reinstate a policy, you might have to answer health questions or take a medical exam." If the card or bank account you used with Haven Life has changed, update the payment method in the MassMutual dashboard or by phone before the next due date. Your own policy states its exact grace period and reinstatement rules, so treat those as the final word.

When the level term ends: renewal and conversion

This is where your own contract matters most, because the answer depends on the policy form. On the Haven Life side, the clearest statement that can still be read is a help-center article captured by the Internet Archive on August 19, 2022. It said: "Haven Term cannot be converted to a permanent life insurance policy." It went on: "This coverage is automatically renewable which means you can continue with your term insurance coverage after your initial term length ends, but your premium will be higher."

Read that article with three limits in mind:

• It described Haven Term only. It says nothing about Haven Simple or Haven Secure.
• It dates from 2022, and Haven Term was sold on more than one policy form, as the table above shows.
• It is a help article, not your contract. Your policy sets the renewal premium, any age limit and any conversion right.

The Texas guide defines the two features in general terms. "Renewability lets you extend your policy for additional terms, regardless of your health and without having to take a medical exam." "Convertibility lets you exchange your term policy for a permanent life policy without having to take a medical exam or answer questions about your health." On price, it notes that level term premiums hold for the term but "They'll go up if you renew at the end of the term." Well before your level period ends, ask MassMutual to confirm in writing what your policy allows and what a renewal would cost. Our explainer on renewable term life insurance covers how renewal pricing generally works.

Thinking about replacing it? Weigh the trade-offs first

Haven Life's closure is not, by itself, a reason to switch. Its notice said existing coverage was unchanged, and replacing a policy carries costs of its own. The Texas guide states that "replacing a policy with a new one isn't always a good idea" and names two of the costs. "The two-year contestable period begins again under the new policy," and "You'll probably have to answer health questions or take another medical exam."

If what you need is more coverage rather than different coverage, a second policy alongside the first is another route. See our page on whether you can have more than one life insurance policy. If you do decide to move, our guide on switching life insurance companies without a gap covers the order of steps. None of this is a recommendation for your situation; a licensed agent or MassMutual can explain your options.

For beneficiaries: finding and claiming on a Haven Life policy

When the insured person has died, the family may know only the name "Haven Life". Washington's Office of the Insurance Commissioner is frank about the search: "Unfortunately, there isn't just one place to check and find out if someone who's passed away had life insurance." Its first two tips fit a Haven Life policy well: "Search through the person's financial records to find payments to the insurer," and "Look through old mail for statements or billing reminders from the insurer." Bank records may name MassMutual, C.M. Life or Haven Life, so search for all three.

Once you have found the policy, the same page puts the next step simply: "Contact the insurer to file a claim." For a Haven Life policy the insurer is MassMutual or C.M. Life, and MassMutual's contact page links to its claims section. Our step-by-step guide to filing a life insurance claim lists the documents insurers usually ask for.

Keep the paperwork where your family can find it

A policy only helps if someone knows it exists. Keep the policy pages, the latest beneficiary form and MassMutual's contact details together, and tell your beneficiaries where they are.

• A labeled organizer such as the Savor Folio Important Document Organizer: Check price on Amazon
• A fireproof, waterproof box such as the SentrySafe HD4100 Fireproof & Waterproof File Box: Check price on Amazon
• For whoever will settle the estate, a handbook such as The Executor's Guide: Settling a Loved One's Estate or Trust: Check price on Amazon

Quick reference for Haven Life policyholders

Shopping for new coverage as well? Our Haven Life review for shoppers covers what to compare now that Haven Life can't be bought. Our Haven Life vs Ladder comparison sets out what Ladder offers today. For our side-by-side pages on term lengths and insurance books, see our full shortlist.

FAQ

Is my Haven Life policy still in force? Haven Life's closure did not end it. The notice promised "no change to your existing policy," and MassMutual administers and services it. The policy still runs on its own terms: it ends when its term ends, and it can lapse if premiums go unpaid past the grace period.

Who do I pay my Haven Life premiums to now? MassMutual services the policy. Use the MassMutual dashboard, or the life insurance line on MassMutual's contact page (1-800-272-2216 in the October 2, 2026 capture), and check that the payment method on file is current.

Can I convert my Haven Term policy to whole life? A 2022 Haven Life help article said Haven Term could not be converted and described the coverage as automatically renewable at a higher premium. That article covered Haven Term only, and your contract is the authority, so ask MassMutual to confirm your options in writing.

How does a beneficiary file a claim on a Haven Life policy? Contact the insurer named on the policy, MassMutual or C.M. Life, through the claims link on MassMutual's contact page. If you can't find the policy, Washington's insurance regulator suggests searching financial records and old mail for payments or statements from the insurer.

Can I still buy a new Haven Life policy? No. Haven Life closed to new applicants in January 2024. Our shopper's review of Haven Life explains what to compare instead.

Sources

1. Life Insurance That's Actually Simple | Haven Life (home page notice, Internet Archive capture of February 13, 2024) — Haven Life Insurance Agency, LLC (archived by the Internet Archive) (checked October 2026)
2. MassMutual Customer Service: Phone Numbers and Log In Links (Internet Archive capture of October 2, 2026) — Massachusetts Mutual Life Insurance Company (archived by the Internet Archive) (checked October 2026)
3. Can I convert my policy to a whole life policy? - Haven Life help center (Internet Archive capture of August 19, 2022) — Haven Life Insurance Agency, LLC (archived by the Internet Archive) (checked October 2026)
4. Contact Us | Haven Life (site footer with policy forms and issuers, Internet Archive capture of January 25, 2025) — Haven Life Insurance Agency, LLC (archived by the Internet Archive) (checked October 2026)
5. Life insurance guide — Texas Department of Insurance (checked October 2026)
6. How to find an old life insurance policy — Washington State Office of the Insurance Commissioner (checked October 2026)
7. Haven Life Life Insurance Review: No Longer Accepting Applications — Policygenius (third-party review; secondary source) (checked October 2026)
8. Haven Life Insurance Review 2026 — NerdWallet (third-party review; secondary source) (checked October 2026)