Assurity vs. Haven Life: Best Life Insurance Company in 2021

In a comparison of Assurity vs. Haven Life, it was a minor win for Assurity. Haven Life Insurance received a higher rating from A.M. Best while the Better Business Bureau gave an identical rating to both companies. However, Assurity offers more affordable rates to men of various ages than Haven Life. Lastly, Assurity also offers cheaper rates to women of various ages than Haven Life.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 26, 2021

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Quick Facts

  • Assurity offers more affordable rates to men of various ages than Haven Life
  • Assurity offers more affordable rates to women of various ages than Haven Life
  • Haven Life holds a higher rating from A.M. Best
  • The Better Business Bureau gave an identical rating to both companies

One factor that makes comparing life insurance companies difficult is the sheer number of options to choose from. To simplify matters, we will be focusing on Assurity vs. Haven Life insurance companies today.

Our Haven Life and Assurity life insurance review will cover the term life insurance rates offered to men and women of various ages as well as the ratings provided by A.M. Best and the BBB.

Before we dive into our Assurity vs. Haven Life insurance rates comparison, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable life insurance quotes in your area.

Assurity vs. Haven Life: Which company offers more affordable term life insurance rates to men?

The simplest place to start when comparing two companies are rates. Let’s take a look at a table that compares the term life insurance rates offered to men by various major insurance companies:

Assurity vs. Major Insurers: Male Rates Term Life
CompaniesProductAge 30 Average Monthly Rates (Male)Age 40 Average Monthly Rates (Male)Age 50 Average Monthly Rates (Male)Age 60 Average Monthly Rates (Male)
Accordia LifeTerm Life$16.91$23.36$56.07$128.84
ANICOSignature Term$12.53$15.98$31.75$76.25
AssurityTerm Life$16.31$21.32$43.07$100.05
BannerOPTerm$12.68$17.71$32.90$73.81
CincinnatTermsetter$13.42$18.70$32.56$78.98
Fidelity LifeTerm Life$19.14$25.01$54.59$73.92
Foresters FinancialTerm Life$13.56$18.81$42.66$114.84
Haven LifeTerm Life$17.43$24.12$56.49$152.80
John HancockVitality Term$14.09$16.96$28.41$68.14
Liberty MutualTerm Life$31.73$35.55$40.32$95.58
Lincoln NationalTerm Accel$12.34$15.22$30.96$71.95
MassMutualVantage Term$13.28$16.98$35.03$82.65
Minnesota LifeAdvantage Elite$13.46$17.95$36.56NA
Mutual of OmahaTerm Life Answers$13.33$19.35$33.33$80.84
Nassau LifeTerm Life$17.43$26.15$51.69$119.78
NationwideYourLife$13.56$16.41$32.59$86.41
North AmericanADDvantage$12.98$16.50$31.90$77.44
Pacific LifePromise Term$12.32$15.59$30.09$69.89
PrincipalTerm Insurance$12.69$15.80$31.15$71.97
ProtectiveClassic Choice$11.62$14.78$30.07$69.90
ProtectiveCustom Choice UL$11.87$15.10$31.46$73.23
PrudentialTerm Essentials$21.88$25.60$38.07$79.41
SagicorAccelerwriting Term$12.60$17.07$43.59$103.05
SBLILevel Term$11.80$14.53$31.88$75.61
SymetraTerm 3.0$12.91$16.19$33.21$83.77
TransamericaTrendsetter Super$12.47$18.71$37.41$86.86
TransamericaTrendsetter LB$13.33$20.21$40.21$101.91
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How easy is it to find affordable quotes from Assurity and Haven Life? Assurity vs. Haven Life insurance quotes for men in their 30s show that Assurity is cheaper by just over $1.

Is Haven Life more expensive for the other age groups as well? For men in their 40s, Haven Life is almost $3 more expensive per month. Men in their 50s, however, will be paying over $13 more per month with Haven Life.

Lastly, for men in their 60s, Assurity is a whopping $52.75 cheaper per month than Haven Life for a term life insurance policy.

In short, our Assurity vs. Haven Life insurance review has shown us that Assurity offers far more affordable rates to men of various ages than Haven Life. Let’s move on and see if this holds true for the rates offered to females.

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Which company offers more affordable term life insurance rates to women?

Let’s now take a look at a table that compares the monthly life insurance rates offered to women of various ages by major insurers including Assurity and Haven Life.

Assurity vs. Major Insurers: Rates for Females
CompaniesProductAge 30 Average Monthly Rates (Female)Age 40 Average Monthly Rates (Female)Age 50 Average Monthly Rates (Female)Age 60 Average Monthly Rates (Female)
Accordia LifeTerm Life$15.58$20.69$40.03$89.25
AIGSelect-A-Term$11.07$15.19$27.41$56.86
ANICOSignature Term$11.88$14.90$27.22$55.94
AssurityTerm Life$11.09$17.84$34.15$72.65
BannerOPTerm$10.37$14.62$27.30$63.64
CincinnatiTermsetter$12.98$16.72$27.28$56.76
Fidelity LifeTerm Life$16.10$22.62$45.68$58.32
Foresters FinancialTerm Life$12.47$16.63$31.94$85.97
Haven LifeTerm Life$14.99$19.91$41.23$103.91
John HancockVitality Term$12.39$14.86$23.86$50.94
Liberty MutualTerm Accel$10.51$13.70$25.86$51.35
Lincoln NationalLifeElements$16.10$21.22$37.41$74.81
MassMutualVantage Term$11.98$15.23$29.15$58.73
Minnesota LifeAdvantage Elite$12.67$16.10$30.89NA
Mutual of OmahaTerm Life Answers$11.61$16.56$27.31$57.19
Nassau LifeTerm Life$16.14$22.52$42.11$89.06
NationwideYourLife$13.34$16.19$27.13$61.69
North AmericanADDvantage$11.66$14.96$26.62$54.34
Pacific LifePromise Term$10.82$14.24$25.16$49.88
PrincipalTerm Insurance$11.27$14.39$25.94$51.41
ProtectiveClassic Choice$10.43$13.31$25.12$49.88
ProtectiveCustom Choice UL$10.79$13.59$26.29$52.26
PrudentialTerm Essentials$17.72$21.22$37.63$59.07
SagicorAccelerwriting Term$10.95$15.10$36.75$63.78
SBLILevel Term$10.38$13.08$26.72$53.85
SymetraTerm 3.0$11.81$14.39$25.94$52.97
TransamericaTrendsetter Super$11.18$16.34$29.89$71.81
TransamericaTrendsetter LB$12.26$17.63$32.25$81.06
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Is Assurity the cheaper company for women the same as it was for men? Women in their 30s can expect to pay almost $4 more per month with Haven Life.

For women in their 40s, the disparity is slimmer, with Haven Life being just over $2 more per month. Women in their 50s pay over $7 less with Assurity while women in their 60s pay a whopping $31 less per month.

In short, Assurity offers more affordable rates across the board. Let’s wrap up with the Assurity vs. Haven Life insurance reviews to see if the former can sweep our comparison.

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Assurity vs. Haven Life: Which company is more well-reviewed?

Let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

A.M. Best’s Financial Strength Ratings are a great way for individuals to determine whether or not a particular insurer will be able to fulfill their needs now and into the future.

Assurity received a rating of “A-” (Excellent), which is in the second-highest rating tier.

What rating did A.M. Best give Haven Life? Haven Life is owned by MassMutual, which holds A.M. Best’s highest rating of “A++.”

The Better Business Bureau is another organization that can provide security in one’s choice of insurance provider.

Assurity received the Better Business Bureau’s highest rating of “A+.” Furthermore, Assurity received Better Business Bureau accreditation.

How did Haven Life fare in comparison? As it turns out, Haven Life recieved the same rating and BBB accreditation.

In review, Assurity offers more affordable rates while Haven Life holds a higher rating from A.M. Best.

We hope you’ve learned all you needed to decide whether to buy Assurity vs. Haven Life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.

Frequently Asked Questions: Assurity vs. Haven Life

What follows are a few commonly asked questions about these two companies.

#1 – What is the Assurity Life Insurance customer service number?

Assurity’s customer service department can be reached at 800-869-0355.

#2 – Is Haven Life Insurance no medical exam, no waiting period?

Haven Simple is a no medical exam term life option, but most policies like Haven Term require a medical examination.

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