Just an update with my experience with Haven Life. I didnt use them for myself (as i already have a policy) I was helping a family member who is close to 60 get a term policy. They did need the medical exam done, but in the end approved a 15yr $250k policy with premiums lower than any other quote I got. (Around $300 less per year on average). It is also always recommended to look slightly above the quoted premium, as it might be that for a very small difference, more value can be obtained (in this case - convertibility).
Thanks to the OP, as this was the push needed to finally get the coverage needed.
I'll start from the end, and state that if this was the push needed to get coverage, that was a good thing.
However, as for the Haven Life being $300 less per year on a $250k policy than others, the only likely explanation is that others wouldn't quote best rates upfront, as those aren't that common close to age 60, they would rather quote high, and come back lower, than have to explain a higher price than quoted.
Since we don't know the exact age, gender, or underwriting class approved for with Haven, I will provide here a range of examples for males and females age 59 in underwriting classes standard non-smoker and better. In NONE of those cases is Haven the lowest quote. In quite a few, Principal is lower (and it's convertible - something that's even more important at this age, and makes the policy marketable for a life settlement in case there's a change in health, even if policyowner might not convert the policy themselves).
Female, Standard Non-Smoker
Male, Standard Non-Smoker
Female, Regular+ (Haven life doesn't have this classification)
Male, Regular+
Female, Preferred (Notice the Ohio National Quote
)
Male, Preferred
Female, Preferred Plus
Male, Preferred Plus