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As an independent life insurance agency, we’re here to help our clients find the best policy for their situation. If you need life insurance in a hurry, Haven Life might be able to offer you an affordable policy in as little as twenty minutes. No medical exam needed! Instant issue life insurance policies offer convenience, but its […] Read more

how much coverage

Clients often contact us to purchase a policy that will reduce their coverage as they get older. With decreasing term life insurance policy, you can actually customize your death benefit to match your needs. If you need life insurance to cover a diminishing debt like a mortgage, small business loan, or divorce decree; this strategy […] Read more

8 Life Insurance Riders Worth Considering

life insurance family

Life insurance riders are like à la carte add-ons for a life insurance policy. They can add a lot of bells and whistles to your coverage, but in many situations, they’re not worth the added cost. This guide describes the most popular life insurance riders, and two little-known riders that many companies offer for free, […] Read more

My Term Insurance Policy Is Expiring…Now What?

You were a good spouse and protected your young family and home with a term life insurance policy 20 years ago.  But now that policy is about to expire. … and you’re thinking, “What happens if you outlive your term life insurance policy?“ That’s a great question, and an important one we hear all the […] Read more

Everyone’s life insurance needs are different, but most of us will need less life insurance coverage as we get older. Once the house has been paid off and the kids have moved out, our need for life insurance is minimal, but many of us will still need some coverage for final expenses. In this article, […] Read more