New York Life Term & Whole Life vs. Haven Term (MassMutual)
Side-by-side comparison · Updated 2026 · Independently reviewed
New York Life Term & Whole Life
New York Life
4.5
170+ year track record. Annual dividends since 1854. Best for whole life policies.
Full review →Haven Term (MassMutual)
MassMutual
4.5
Fully online term. Instant decisions on many applications. Issued by MassMutual subsidiary.
Full review →WealthSpott Verdict
New York Life Term & Whole Life and Haven Term (MassMutual) are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.
Feature
New York Life
Haven Term (MassMutual)
WealthSpott Rating
4.5 / 5
4.5 / 5
Coverage Type
Life Insurance
Life Insurance
Avg Annual Premium
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AM Best Rating
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J.D. Power Score
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Mobile App Rating
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New York Life Term & Whole Life
Pros
- 170+ year track record
- 170+ year track record
- Dividends paid every year since 1854
- Dividends paid every year since 1854
- Best for permanent whole life coverage
- Best for permanent whole life coverage
Cons
- Higher premiums than term-only options
- Higher premiums than term-only options
- Application process can be lengthy
- Application process can be lengthy
Haven Term (MassMutual)
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