Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 12, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Accordia Life is a well-rated affordable life insurance company with term, whole, and universal products
  • Haven Life is a subsidy of MassMutual and has the highest rating possible from AM best, A++
  • Accordia Life and Haven Life are both affordable life insurance companies

Accordia Life vs. Haven Life is a good place to start when considering affordable life insurance. When planning for the future, your beneficiaries’ death benefits should be in good hands; find out which is the right choice for your needs. The best life insurance companies provide their customers with security for the future.

Accordia Life and Haven Life both offer a variety of permanent and term life insurance policies. While Haven may be more well-known — under the giant MassMutual — for cheap life insurance, Accordia life insurance also has competitive rates.

Ready to start comparing Accordia Life vs. Haven Life insurance quotes? Use our free tool to find local agents in your area. Enter your  ZIP code to get started.

Accordia Life vs. Haven Life: Which company offers better policies?

The three categories of life insurance are term, whole, and universal — the latter really being another form of the whole option. Term life insurance policies, which are fairly common, provide payouts when the policyholder’s death is within the contract time frame.

Permanent life insurance policies payout to beneficiaries after death — at any point. Payouts a paid in a non-taxed lump sum.

Keep reading to compare Accordia Life vs. Haven Life insurance policies.

Haven Life

Haven Life insurance policies are issued through MassMutual, which is one of the longest-standing life insurance companies.

Haven Life has two term life insurance policy options: Haven Simple and Haven Term. The company advertises its simple, streamlined process to potential customers.

Haven Term is the basic term life insurance option. It allows up to $3 million in coverage for those up to 60 — anyone older is limited to a $1-million policy.

Haven Term life requires applicants to get a medical exam for certain coverage amounts. Available terms are 10, 15, 20, and 30 years.

Haven Simple is the no-medical option of the term life deal. The policy is only available to those 20 to 55 years old and for 5 to 15-year terms.

Learn more about this company with our Haven life review, then read through other Haven Life reviews.

Accordia Life Insurance

Accordia Life and Annuity Company is a subsidy of Global Atlantic Financial Group Limited. Accordia’s offered life insurance products are under Global Atlantic.

Accordia has a level premium term policy that guarantees premiums and benefits will remain the same throughout the term. Available riders under this coverage type include a waiver of premiums, accidental death benefit, children’s insurance, additional insured, and terminal illness.

When you buy Accordia Life insurance, you must be under 75 for a 10-year policy, under 65 for a 20-year policy, and under 55 for a 30-year policy.

Accordia’s Life Assure universal life is permanent with a guaranteed death benefit, cash value accumulation, and a low interest rate. Accordia also has indexed universal life insurance, which is a very similar policy.

The difference between the two is that Life Assure applies a minimum interest rate each year, while the market determines the indexed option rates.

Now, let’s compare rates.

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Accordia Life vs. Haven Life: Which company has the best rates?

Life insurance rates, according to the Insurance Information Institute, are based on your needs and a variety of other factors. Before you settle on a policy, it’s best to know how much coverage you need.

Some things to consider:

  1. Do your dependents have enough coverage to cover final expenses?
  2. Do your dependents need further income assistance after your death?
  3. Do you want to set up a legacy?

Now that you have a better understanding of what generates life insurance rates, let’s compare possibilities for Accordia Life vs. Haven Life insurance rates.

Average monthly Accordia Life insurance rates for men and women can be found on the chart below.

Accordia Life Average Monthly Universal Life Insurance Rates by Age and Gender
AgeAccordia Average Monthly Male Life Insurance RatesAccordia Average Monthly Female Life Insurance Rates
25$12.28$10.95
30$12.67$18.10
35$13.26$11.87
40$16.73$14.33
45$157.04$18.42
50$34.29$25.10
55$59.10$46.88
60$59.10$41.08
65$117.40$69.78
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Life insurance rates for Haven Life Term vary for men and women. See the charts below to compare Haven Life and other similar life insurance companies.

For men life insurance costs are as follows:

Sample Average Monthly Term Life Insurance Rates for Males Based on Age and Company
AgeHaven Life Term Average Monthly RatesLincoln TermAccel 2019 Average Monthly RatesMinnesota Life Advantage Elite Select Average Monthly RatesNorth American Classic Term Average Monthly RatesProtective Classic Choice Term Average Monthly Rates
30$23.45$20.52$20.68$20.68$21.97
35$25.17$22.51$22.44$21.56$21.93
40$31.20$28.31$32.12$28.60$29.36
45$54.46$47.65$52.36$47.96$47.00
50$85.47$74.77$79.64$75.24$72.38
55$149.20$130.75$139.48$131.56$126.56
60$245.67$216.09$223.96$217.80$209.10
65NANA$396.44$380.60$365.50
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… and for women:

Sample Average Monthly Term Life Insurance Rates for Females Based on Age and Company
AgeHaven Life Term Average Monthly RatesLincoln TermAccel 2019 Average Monthly RatesMinnesota Life Advantage Elite Select Average Monthly RatesNorth American Classic Term Average Monthly RatesProtective Classic Choice Term Average Monthly Rates
30$20.01$16.45$18.04$17.16$18.28
35$20.87$19.86$18.92$18.92$19.36
40$27.76$26.39$25.08$25.96$25.83
45$47.57$42.40$44.44$42.68$41.14
50$68.24$62.00$61.16$61.16$59.02
55$108.72$95.73$97.24$96.36$92.70
60$160.40$140.66$146.52$143.00$137.14
65NANA$248.11$231.88$222.98
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Keep reading to check out how the companies’ financial standings compare.

Accordia Life vs. Haven Life: Which company is better reviewed?

Both companies have great ratings from AM Best, a trusted third-party review. However, Haven Life beats out Accordia Life.

Haven received an A++, or superior rating, while Accccordia got an A, excellent, score.

Standard & Poor’s reviews are similar. Haven Life got an A++ from S&P. Accordia got an A-.

Bottom Line: Get Covered

Whether your looking for affordability or maximum coverage, one of these companies has the right life insurance option for you. Haven Life insurance has the better ratings, though it doesn’t offer the expansive life insurance products that Accorida life offers to clients.

Both companies offer competitive rates but don’t take our word for it.

Use our free tool to compare Accordia Life vs. Haven Life insurance quotes. Enter your ZIP code and speak to an agent in your area.