While acceptance is not guaranteed, Haven Life is our best choice for high-risk family medical histories as it invites everyone to apply regardless of their medical history. While the premiums will of course be higher than for healthy applicants, Haven offers very affordable rates. They also have an Immediate Issue Without a Medical Examination Policy that uses an algorithm to make actuarial decisions.

A history of cancer in your direct ancestry often means you will have to pay more for life insurance. But with Haven Life, regardless of your family history, you can get affordable insurance coverage. Policies start at just $ 13.45 per month for term life and $ 15.75 per month for simplified life insurance. Remember, you are not guaranteed to be eligible for simplified problem coverage, especially if you already have health complications.

In addition to the affordable rates, Haven Life is a solid choice for life insurance. The policies are written by MassMutual, one of the most reputable life insurance companies in the market. Haven Life’s policies have tiered premiums, an accelerated death benefit regime and a free, non-binding review period.

We recommend Haven Life as the coverage is generous. Haven Term Policies range from $ 100,000 to $ 3 million coverage for 10, 15, 20, or 30 years and Haven Simple policies range from $ 25,000 to $ 500,000 coverage for 5, 10, 15, or 20 years. So, if you want to buy extra coverage for extra security, you can do so without paying a fortune.

To receive a quote from Haven Life, fill out the online form with information such as age, state, birthday, general health, desired amount of insurance and desired term of office. You can also submit your application directly on the website.

Read the full review: Haven Life Insurance