Haven Life, a subsidiary of MassMutual, is using artificial intelligence to extend its medically underwritten policy to candidates previously ineligible for life insurance

Haven Life will be expanding its care packages to allow coverage for non-U.S. citizens and those with preexisting and chronic illnesses by employing artificial intelligence. The process of applying for Haven Term coverage is simple: Applicants need only upload the required paperwork to the Haven Life website and the site’s algorithm will verify that information through public records and create a list of health-related questions.

Yaron Ben-Zvi, CEO and co-founder of Haven Life, has said of this new platform, “This expansion in eligibility illustrates our core values—to be inclusive and give as many people as possible access to a simple way to financially protect their loved ones.”

The goal of this new algorithm-based platform is to provide better care for people who were not previously afforded options. The algorithm isn’t designed to deny people, but rather to help them evaluate their options if they are not approved for Haven Term. The policy provider's use of AI allows it to tap a new market within the insurance world while also helping more people access the services they need.

Haven Life


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Haven Life will be expanding its care packages to allow coverage for non-U.S. citizens and those with preexisting and chronic illnesses by employing artificial intelligence. The process of applying for Haven Term coverage is simple: Applicants need only upload the required paperwork to the Haven Life website and the site’s algorithm will verify that information through public records and create a list of health-related questions.

Yaron Ben-Zvi, CEO and co-founder of Haven Life, has said of this new platform, “This expansion in eligibility illustrates our core values—to be inclusive and give as many people as possible access to a simple way to financially protect their loved ones.”