It is fine
Oh my gosh. I am finally writing a review after a week of daily begging from Haven Life. Pretty good experience overall but it is life insurance. So a bit of a pain and not very transparent as to what is affecting rates. I got a good policy approved in under a month which is great. My rate was surprisingly high. I have several mild health issues but taken together they probably provide cover to rate my higher risk. I am pretty sure I could have gotten (and may still) a better rate if I had gone the traditional route. But that is even more invasive and time consuming. I am giving a 3 because of rate and lack of reasons for rate and because - it is life insurance - which in my experience is never very pleasant.