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- [Robert] Hey, guys.
Robert from The College Investor here,
and I am super excited
to talk to you guys today about Haven Life,
and we are going to review them
and go through on how easy it is
to get a term life insurance policy online in minutes.
So the cool thing with Haven Life
is that they are a fully online term life insurance company.
And what makes that awesome is,
when you wanted to buy term insurance in the past,
you'd have to call, you'd have to do all this stuff,
you'd potentially have to get a physical.
It was such a tedious process.
And Haven Life has made it so simple
to get term life insurance online.
And I'm gonna show you how easy it is right now.
So, all you gotta do to just get an even estimate right here
is you just estimate your stuff.
So,
I already put in my stuff here.
So, I'm a male.
I was born on March 26th, 1985.
Do I use nicotine?
I have excellent health.
I want a $500,000 policy,
for 30 years.
And then it estimates that I'm gonna pay
between $36.42 and $68.50 per month,
and you can see the rates.
If you have good health, it's $42.
If you have average health, it's $68,
which, you know, those are actually decent rates.
A little higher than I would expect, but not too bad.
And you can oversee, over here on the left,
you can see real policies and real prices
of people that are actually getting these.
So like a million dollar policy over 20 years
for a 33 year old is 35 bucks.
You can see these ones.
Here's 15 bucks for half a million, for 15 years.
So, you honestly can see your rate.
You can also see the effect of changing it.
So what if I only went with a 15-year policy?
It would be like 15 bucks to 30 bucks a month.
So, you can honestly quickly and easily
see how much you'd save.
I love that, because you don't even have,
notice that you haven't even entered
any of your personal information yet,
and you can estimate how much you're gonna pay.
Now if you wanna see how much you would really pay,
you click "Get your real rate" here,
and you just begin, and you tell us,
you answer a bunch of questions here,
and then you can get your real rate.
So like, here's the basics about you,
who's being insured,
what's your name, height, weight, address,
your Social, your driver's license,
and then a bunch of background questions,
the backgrounds about your job,
about any criminal history, any family history,
and then your medical history, of course.
Like, you go through all this.
And, you know, the cool thing is,
is that, in the past,
some of this stuff might have just totally prevented you
from getting insurance,
but now today, they have algorithms that will decide
on whether you need to get a physical
or don't need to get a physical,
or whether you can get insurance or not get insurance.
So they honestly make this process super easy.
And by the time you get to the bottom of this,
you can honestly acknowledge it,
and then, you know, sign up, get your decision in minutes.
Like, they'll tell you right away,
if you're gonna be approved.
And then, honestly, you could buy your policy online.
And from like start to finish, it could be 15 to 20 minutes,
and you could have a term life insurance policy in effect
so that you are protected,
for your family, for your finances.
It's so easy.
Honestly, I love their interface.
They make the whole process really super easy.
They also have support and live chat,
so if you had any questions, concerns,
they can answer those for you.
So if you're thinking about getting term life insurance,
I always recommend people shop around.
Like, you don't necessarily need to take this company
because they have the cheapest rates,
but, honestly, they do a great job
about making it easy to get life insurance.
So, if it's gonna be part of your comparison,
sign up, check it out.
We highly recommend them.