"I was working a normal job and I questioned myself and what I was doing with my life," he said. They spent more than $55,000 to turn their house into a haven for their pups, who are all elderly or have special needs. ", "Senior dogs and rescue dogs and shelter dogs can all be good, happy, loving dogs," Mariesa said. The couple, who live in Clifton Park, first installed ramps in the back and the front of the house to help their older dogs get around. A leading-edge research firm focused on digital transformation. Terry has 1 job listed on their profile. Stories, strategies, and tips for better personal finance. The couple sold their hot tub to pay for a $2,400 MRI for their beloved pup.

Here's what you get: That's hundreds of dollars worth of free subscriptions and discounts. But you can always cancel your application if you're unhappy with your post-exam rate.

"It really opened my eyes up to how many senior dogs are surrendered to shelters. "My whole life I wanted to rescue dogs or have an animal shelter," Mariesa told Insider.

Most are built in, while one is available as an optional paid rider. The insurance industry has long been bedfellows with data science —  startups like DataRobot use algorithms to predict which customers have good health prospects. If you're worried that you wouldn't be able to afford your premiums without a full-time income, this rider could be worth considering. ", "I remember driving down the road," he said.

When you visit the Haven Life homepage, you'll see two options: "Get your quote" and "Apply Now.". "That's a different part of the project. ", "I've always said I'm an equal opportunity animal lover, but the senior thing really hit me when we got Moses," Chris said.

Haven Life's "Get a quote" feature is a nice way to get a quick price estimate. If you're under 60, you can apply for up to $3 million of term life insurance coverage with Haven Life.

If you're over 64 or you're looking for a whole life insurance policy, Haven Life won't be for you. We called him dad sometimes, he was this old soul. ", "There was so much behind him to teach us and learn from, and we thought that was only in his life," she said. Join to Connect. "And they're very deserving of that opportunity.". Like what you see here? Posted 4 weeks ago. Through research, technology, and consumer feedback, we’re creating a simpler, smart and more enjoyable life insurance experience. “We’re in a unique position to innovate the underwriting process so that it’s not only easier to secure coverage, but so that it also has fewer limitations on who qualifies.”. Let's talk about how Haven Life is able to do that. But you'll be happy to know that Haven Life is backed and fully owned by MassMutual.

Subscribe to our daily newsletter to get more of it. If eligible, you could be instantly approved for a fully medically underwritten policy. MassMutual has a long, solid history in the insurance industry and it currently has a financial rating of A++ by A.M. Best. Disclosure: This post is brought to you by the Personal Finance Insider team. Haven Life says that if you filled out your application correctly, you shouldn't see much of a change in your rate after the medical exam. The unique application process employs artificial intelligence to match applicants with plan options. ", "When Chris and I met, he had six dogs and I had two dogs," Mariesa added. Unfortunately, if you're over 64 years of age, you won't be eligible for a Haven Life policy. The organization connects senior dogs to loving homes and funds their veterinarian bills for the rest of their lives.

There's also an oxygen kennel, which helps the dogs who have congestive heart failure or breathing struggles. Now let's take a look at what you'll get with a Haven Life insurance policy. The Machine With Haven Life, you may be able to secure a medically underwritten policy in minutes, not weeks.