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Make aging less difficult with Haven Life Plus

Five ways the Haven Life Plus bonus rider—available at no cost to eligible Haven Term policyholders—can ease the stress of getting older.

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What is “old” these days? Tom Cruise is 60, but hangs from buildings and flies fighter jets for work. Liam Neeson is 70 and continues to showcase his “very special skills” to audiences around the world. Paul McCartney is 80 years old and still travels the world as a touring musician. So it’s hard to say who is “old”, just based on age.

Yet, for most of us, aging, whenever (and however) it actually happens, brings challenges. Memory problems, disturbed sleep, aches and pains, existential dread – you know, fun stuff like that. But Haven Life Plus is here to help. What is Haven Life Plus? It’s a bonus rider for eligible Haven Term policyholders, and here are some ways it can help you feel young, fit, healthy and happier as the years fly by.

In this article:

It jogs your memory

When you get old, it’s not unusual for your memory to go the way of your knees – still there, but not quite what it was. To avoid dropping things, losing important documents and forgetting passwords, try LifeSite (available at no cost to eligible Haven Life customers). It’s a super-secure (military-grade), easy-to-use digital vault that can hold a variety of information, from property deeds to medical records to photos to streaming service passwords. You control your own account, but you can give family members access privileges, which is useful if you feel you need logistical help as you age.

But even before you get to that point, LifeSite will help you navigate the issues of mid- to late adulthood, whether you’re managing a household, keeping track of vaccination records for your children or your pets, and, of course, making sure account info for your term life insurance is somewhere safe and sound.

It helps you worry less about your own mortality

It’s a fact: Aging has a way of making you contemplate your own demise. It makes sense, of course, but that doesn’t make it fun. Sorting out your end-of-life will and wishes won’t keep the grim reaper away, but it will mean you spend less time worrying about when he’ll come wandering up the driveway. Haven Life Plus offers two ways to help with that – and both ways are (say it with us) available at no cost to eligible Haven Term policyholders.

Trust & Will allows you to make a legally binding will or trust in less time than it takes a really old person to walk up a flight of stairs. (It’s also less dangerous.) You can do everything online, including making updates as you go through the life stages that await you (including marriage and divorce, having children, changing jobs, etc.).

Lantern lets you specify what you want to happen when you die, from what music will be played at your funeral (and if you even want one) to who will manage your social media accounts. Do you want a Viking funeral, but don’t feel like arguing with your family about it? Just document it with Lantern and move on with your life.

And sure enough, these seem like concerns for once you get up there in years. But the fact is, these are issues worth dealing with sooner rather than later, because you never know. And as we said, both Trust & Will and Lantern make it easy to update your wishes as time goes on.

It helps you sleep

There’s a stereotype that old people spend all their time sleeping under the patchwork in their special chair, but in reality, getting old can play the hell out of your sleep patterns. As you get older, you may find that you wake up at odd hours and find it harder to get proper sleep. TimeShifter, an anti-jet lag app with a free subscription for eligible Haven Life customers, helps you make the most of your sleep, even if you’re traveling no further than your backyard or the local golf course.

And again, as you climb to adulthood, you may take on more responsibilities at work (including traveling to distant places for personal meetings) and perhaps attempt more ambitious trips. (After all, your kids won’t remember visiting Paris as babies, so you might want to save that once-in-a-lifetime trip until they—and you—are older). TimeShifter makes that kind of travel a little less painful.

It deals with aches and pains

When we talk about pain, we don’t mean Haven Life Plus makes aches and pains go away—we’re insurers, not magicians. But Plus includes something to help you manage bruises and scrapes more effectively: MinuteClinic, a walk-in clinic at Target and CVS. It’s great for all kinds of minor medical issues, and it’s also a great place to get vaccinations, which are far from a minor issue once you’re over 65. There’s a reason doctors recommend flu and shingles vaccines for the elderly people – once you’ve reached the age where you get discounts on cinemas and on public transport, those diseases are no joke.

And again, this is something you can use for your kids as they join sports leagues, climbing camps, star bikes, and otherwise go through the tough years of childhood. (And if you happen to take a baseball to the nose while playing catch with your live-armed teenager, well, your next encounter will be that much easier — and more affordable.)

It keeps you in shape, whatever that means to you

The Haven Life Plus bonus rider includes a free subscription to Aaptiv for eligible Haven Life customers. Aaptiv is an exercise app that’s full of different options for different skill levels, which is ideal because it’s important to maintain strength, muscle mass and bone density as you age.

No matter how much you want (or can) push yourself at any age, Aaptiv has options that range from full workouts to guided walks and all points in between. There are things you can do at home, outdoors, or wherever you happen to be.

Our editorial policy

Haven Life is a customer-centric life insurance agency supported and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe that navigating life insurance decisions, your personal finances and overall well-being can be refreshingly simple.

Our editorial policy

Haven Life is a customer-centric life insurance agency supported and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe that navigating life insurance decisions, your personal finances and overall well-being can be refreshingly simple.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less difficult if they fit your situation.

Haven Life is not authorized to provide tax, legal or investment advice. This material is not intended to provide and should not be used for tax, legal or investment advice. Individuals are encouraged to obtain advice from their own tax or legal advisor.

Our disclosures

Haven Term is a term life insurance policy (DTC and ICC17DTC in some states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in some states, including NC) issued by CM Life Insurance Company, Enfield, CT 06082. Police and driver form numbers and features may vary by state and may not be available in all states. Our agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by AM Best Company as A++ (Superior; Top category of 15). The rating is valid from 1 April 2020 and is subject to change. MassMutual has received different ratings from other credit rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The driver is not available in all states and is subject to change at any time. Neither Haven Life nor MassMutual is responsible for the provision of the benefits and services made available under the Plus Rider, which are provided by third party providers (partners). For more information about Haven Life Plus, visit: https://havenlife.com/plus.html

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