A life insurance coverage coverage from Haven Life is without doubt one of the most inexpensive methods to offer monetary safety on your family members. You purchase life insurance coverage protection for a set time frame — sometimes between 10, 20, 25 or 30 years — and must you die whereas your coverage is lively, your beneficiaries obtain a lump sum fee known as a demise profit. It provides you peace of thoughts and your loved ones a monetary security internet.
Whereas choices about life insurance coverage are necessary for securing your loved ones’s monetary future, there’s extra to it than that. Haven Life is proud to supply Haven Life Plus, a bonus rider out there to eligible Haven Time period policyholders, that includes a collection of low- and no-cost providers to make life much less onerous when you’re nonetheless dwelling.
Right here’s what it’s essential know.
What’s Haven Life Plus?
In life insurance coverage phrases, Haven Life Plus is an insurance coverage rider. Consider it as a coverage’s bonus characteristic.
Many life insurers provide riders, which give policyholders extra advantages on prime of those the primary coverage already supplies. Insurers might provide life insurance coverage with living riders resembling terminal sickness, persistent sickness, and return of premium. Haven Life Plus is a sort of dwelling rider.
To be eligible for Haven Life Plus, you need to:
- Be previous your “free look interval.” That’s the window throughout which you’ll cancel your new time period life coverage with out penalty.
- Be an eligible Haven Time period policyholder in sure states. (Our apologies to these in Florida, New York, North Dakota, South Dakota, and Washington.) Whereas Haven Life Plus isn’t out there in California, eligible policyholders residing on this state could possibly choose into a few of the life insurance coverage dwelling advantages and providers Haven Life Plus supplies.
Accessing the suite of services is as straightforward as going to your account heart, clicking the “redeem affords” button, and deciding which providers you wish to use.
Principal advantages of Haven Life Plus
With Haven Life Plus, eligible policyholders achieve entry to quite a lot of extra providers and advantages supplied by third-party distributors both at a reduction or for free of charge. Let’s check out a few of the major dwelling advantages you possibly can take pleasure in with the Haven Life Plus rider.
1. No-cost property planning
Eligible Haven Time period policyholders obtain an property plan (belief or will) and a 12 months of limitless updates for free of charge from Trust & Will.
All through your life, you’ll undoubtedly purchase varied property, together with issues resembling:
- A house (or a number of homes)
- Land
- Autos
- Jewellery
- Collectibles
- Financial savings
- Retirement accounts
- Investments
All of those — and different — property make up what’s often known as your property. Maybe you’ve already given some thought to which gadgets you would possibly prefer to go to sure members of the family or the way you need your property divided after your demise. That’s the place estate planning is available in.
Property planning is the method of figuring out how others ought to deal with your property after your demise or in the event you can now not handle issues by yourself. It ensures that your needs are honored and that your family members obtain the belongings you need them to have after you’re gone. Nonetheless, getting paperwork collectively, drafting a will, and organising a belief might be advanced and complicated.
With Haven Life Plus, eligible policyholders can create one free property plan — both a will or a belief — via Belief & Will, one of the vital trusted names in on-line property planning. It’s as straightforward as finishing the plan digitally and getting it notarized. You’ll additionally be capable to replace your belief or will as typically as you’d like for a whole 12 months for free of charge. Together with your will or belief in place, you assist guarantee the way forward for your property is strictly the way you envision it.
2. A no-cost health app subscription
By way of Haven Life Plus, eligible Haven Time period policyholders take pleasure in a no-cost annual subscription to the award-winning health app Aaptiv.
Bodily exercise is an important a part of sustaining a wholesome physique and thoughts. It affords quite a few confirmed advantages, together with:
- Decreasing your threat of circumstances resembling cardiovascular ailments and diabetes
- Sustaining bone and joint well being
- Decreasing signs of tension and melancholy
- Boosting cognitive perform
Briefly, bodily exercise helps enhance your high quality of life. Aaptiv helps make it simpler and extra satisfying with personalized workouts that suit your distinctive way of life. And Haven Life Plus policyholders get a no-cost annual subscription.
The award-winning fitness app Aaptiv affords customers limitless entry to audio and video exercises created by prime licensed trainers. It’s as straightforward as setting exercise goals, choosing your exercise, and attending to it. With limitless entry to greater than 7,000 guided exercises and structured applications designed that will help you obtain your targets, you’re positive to search out routines that meet your wants. On prime of that, you achieve entry to the Aaptiv neighborhood, the place you and different members can share achievements and assist each other.
3. Discounted household well being service
Eligible Haven Time period policyholders obtain an annual 15% low cost on any household well being service with MinuteClinic®.
Routine well being screenings are important for preventing illnesses and serious health conditions. Even with annual bodily exams, points can come up. You or a member of the family would possibly catch a virus, sprain an ankle, or require different healthcare providers.
Typically, getting the care you want might be time-consuming. Your common healthcare supplier won’t have availability, or your schedule might not help you go to the workplace for an open appointment.
MinuteClinic® affords a handy answer. With places in CVS Pharmacies and Goal shops throughout the nation, this walk-in clinic options a big selection of household well being providers, together with annual physicals, vaccines, and remedy of diseases, infections, and accidents. Certified healthcare professionals can handle reproductive well being issues, pores and skin points, and sleep problems.
You don’t have to schedule an appointment, and prices are 40% lower than pressing care. Haven Life Plus policyholders additionally obtain an annual 15% low cost voucher for any household well being service, saving you much more on important care.
4. No-cost safe on-line doc storage
Eligible Haven Time period policyholders — and as much as 5 members of the family — get a no-cost subscription to the digital vault LifeSite.
Likelihood is that you just and your loved ones members have a minimum of a number of delicate paperwork in your house, resembling delivery certificates, social safety playing cards, passports, householders/renters insurance coverage, and term life policies. It’s possible you’ll even have these paperwork saved in a secure location, able to go within the occasion of an emergency.
As essential as it’s to safe these paperwork, managing bodily copies might be cumbersome. Not solely do they take up area, however they’re straightforward to misplace. You would possibly assume you’ve saved every thing, solely to search out out at a vital second that you just’re lacking one thing.
With LifeSite, you possibly can digitally store all of your family’s most important documents in an ultra-secure on-line secure deposit field. And with Haven Life Plus, you may get a subscription to LifeSite free for the primary 12 months for you and as much as 5 members of the family.
LifeSite is greater than only a file system. It options dozens of pre-organized classes, making it straightforward to rapidly find what you want. And the LifeSite cell app means that you can scan, edit, retailer, and entry paperwork from anyplace.
You too can add different customers and management which recordsdata they will view or edit. Patent-pending safety structure retains every thing secure and safe, supplying you with peace of thoughts that your important paperwork are protected and accessible solely by you and people to whom you give permission.
5. No-cost jet lag administration
Say it with us yet one more time: Eligible Haven Time period policyholders can even entry a 12 months of limitless jet lag administration plans for free of charge from TimeShifter®.
If you’re touring throughout a number of time zones, whether or not for work or for pleasure, jet lag can develop into a difficulty. It throws off your circadian rhythm, which may result in daytime fatigue, poor focus, and decreased efficiency. It could actually additionally have an effect on your well being, growing your threat of a weakened immune system and long-term health complications.
Haven Life Plus comes with entry to a 12 months of limitless jet lag administration plans at no cost from Timeshifter®. With Timeshifter®, you possibly can create your individual customized plan that will help you beat signs of jet lag and adapt to time adjustments quicker. The app options advanced itinerary assist and affords recommendation that takes your entire layovers into consideration. You may even edit your flight particulars to account for delays and cancellations.
6. Finish-of-life planning
Yet another Haven Life Plus profit: Finish-of-life planning by way of a full pre-plan premium membership from Lantern.
Whereas demise generally is a troublesome and uncomfortable subject to debate, planning for what’s going to occur after you’re gone is significant. Making a plan now supplies readability on your grieving family members. It additionally ensures your family members honor your remaining needs and have fun your life in a manner that actually represents who you might be.
Whether or not you’re planning for your self or serving to manage the logistics for an aging parent, end-of-life planning might be advanced. Lantern goals to make the method simpler with digital step-by-step steerage. They’ve damaged the work up into 12 duties, every containing detailed descriptions and pattern solutions. You too can share your accomplished plan with those that will want entry to it when the time comes.
A Haven Life Plus rider provides eligible Haven Time period policyholders a full pre-plan membership, permitting you to create an in depth end-of-life plan that ensures your family members are cared for after you’re gone. The membership additionally comes with a one-on-one post-loss session, which will help you handle the logistics and grief after shedding a cherished one.
Safe your future and reap the advantages of Haven Life Plus
Haven Life Plus will help you and your loved ones dwell more healthy, extra protected lives. And all of it begins with a Haven Time period life insurance coverage coverage. Get a free online life insurance quote at the moment.
