Migliaccio & Rathod LLP is investigating whether Haven Life, owned by MassMutual, uses automated underwriting tools in instant-issue or no-medical-exam life insurance products that may unfairly deny coverage or charge higher premiums based on non-medical consumer data.
Reported Issues
Consumers report:
- Applying for fast online life insurance with little or no medical exam.
- Receiving an immediate denial or unexpectedly high premium.
- Not receiving a clear explanation for how the decision was made.
- Being evaluated through automated underwriting models using third-party or alternative data.
- Concern that non-medical factors such as location, public records, prescription data, or consumer-data variables may have affected the decision.
Haven Life markets digital term life insurance and no-medical-exam options, and MassMutual has publicly described expanding data-powered underwriting and medical datasets to allow more Haven Life customers to obtain coverage without an exam.
Why Individuals Should Be Concerned
Potential claims include:
- Discriminatory underwriting
- Consumer fraud
- Unfair insurance practices
- Improper use of proxy variables
- Lack of transparency in automated decision-making
- Economic loss from higher premiums or denial of coverage
Signs You May Be Affected
- You applied for Haven Life or MassMutual online life insurance.
- You were denied or quoted a higher premium than expected.
- You were not given a meaningful explanation for the decision.
- You believe non-medical data may have affected your quote.
- You applied for no-exam or instant-issue life insurance after 2022.
If you have encountered these issues, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call at (202) 470-3520.