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The large insurance firm MassMutual owns Haven Life, a term life insurance company. Founded over 150 years ago, MassMutual has developed a well established reputation within its industry. When you purchase a term life insurance policy from Haven Life, you enjoy some important policy features. The company offers a flat, unchanging premium over the life of the policy. Customers can obtain coverage directly from Haven Life, without paying a commission to third party intermediaries. If you become terminally ill as an insured, you enjoy the option of withdrawing a portion of the payments you have made yourself if you prefer (instead of leaving the money to your beneficiaries). Haven Life’s website reports the company supplies completely digital (i.e. “paperless”) processing.