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

inheritance tax

If you’re planning to set aside an inheritance for your loved ones, we recommend researching your state’s inheritance tax laws. As of January 1st, 2021, six states have an inheritance tax and twelve states plus DC levy an estate tax.  While estate taxes are only collected from a small percentage of extremely wealthy families, inheritance […] Read more

Life Insurance to Pay Off Bills or a Mortgage

types of mortgage insurance

One of the most common reasons for purchasing life insurance is to provide for your family if you are no longer around. In addition to replacing an income, the death benefit from a life insurance policy is commonly used to pay off major bills like a mortgage, credit card debt, car loans, or unexpected medical […] Read more

8 Life Changes That Impact Your Insurance Needs

life changes that affect life insurance

Life offers plenty of joyful moments and milestones. These events change your life in many different ways. With all the excitement and transitions that occur, insurance is often the last thing on your mind. These life changes can impact your insurance needs now and into the future. If you’re in the middle of a transition, […] Read more

Mortgage Insurance: 4 Things You Need to Know

mortgage insurance

Usually, a 20% down payment is recommended when purchasing a home. Even if a borrower doesn’t have a significant down payment, they may still be approved for a mortgage. But this approval may come with additional costs such as mortgage insurance. So, what is mortgage insurance? How does it work? What do you need to […] Read more