Bestow is an online life insurance company offering a simple approach to buying term life insurance. Customers can get a quote within minutes and don’t need a medical exam to qualify for coverage. Bestow provides term life insurance with terms of 10, 15, 20, 25 or 30 years and coverage from $50,000 to $1.5 million. Bestow life insurance is available in all states except New York.
Overall Satisfaction Rating
- 5 stars
- 4 stars
- 3 stars
- 2 stars
- 1 stars
- No medical exam necessary
- Policies start at $10/month
- 30-day money-back guarantee
- Online claim filing
- Maximum eligibility age of 59
- Not available in New York
Bestow offers term life insurance policies starting at $10 per month. Customers can apply online for a policy with a 10-, 15, 20-, 25- or 30-year term and coverage from $50,000 to $1.5 million. No medical exam is required.
What is Bestow life insurance?
Bestow is a life insurance company that provides a 100% online process for purchasing term life insurance. It covers individuals 21 to 59 in every state except New York. Bestow life insurance policies have terms of 10, 15, 20 or 25 years and coverage from $50,000 to $1.5 million. No medical exam is required.
All Bestow policies are issued by North American Company for Life and Health Insurance and reinsured by Munich Re.
Bestow life insurance plans
Bestow exclusively offers term life insurance to individuals who are 21 to 59, with no medical exam required. Policies have terms of 10, 15, 20, 25 or 30 years and coverage from $50,000 to $1.5 million.
At the time of publishing, Bestow does not have any riders on its policies. The two main exclusions are death by suicide within the first two years of the policy and the providing of untruthful information.
Every policy has a 30-day free look period, offering you a full refund if you cancel within the first 30 days. You can still cancel a policy after 30 days, but you won’t receive a refund of payments you’ve made. There are no fees for cancellation.
Bestow’s life insurance policies start at $10 a month. The price depends on variables such as your age, your gender, whether you smoke and the term length and death benefit amount.
At the time of publishing, a healthy, 32-year-old female nonsmoker can get $500,000 in coverage over a 20-year term for about $18 per month, according to the Bestow website.
You can get a fast quote online by entering your gender, birthdate, height, weight, ZIP code and whether you smoke. You then can see estimated prices for a policy with either term length and different levels of coverage.
Bestow insurance FAQ
- What kind of life insurance does Bestow offer?
- Bestow offers term life insurance policies for 10, 15, 20, 25 or 30 years, issued by North American Company for Life and Health Insurance.
- Does Bestow offer anything longer than 10- or 20-year policies?
- Yes. Bestow offers 10, 15, 20, 25 or 30 year policies.
- What qualifications does Bestow require?
- To be eligible to apply for a policy from Bestow, you must be:
- 21 to 59 years old
- A U.S. citizen or green card holder
- Generally healthy
- What does Bestow life insurance cover?
- Bestow life insurance covers the death of an insured individual by paying out a death benefit to one or more beneficiaries. Your beneficiary must be a family member, a spouse, a domestic partner or a child. There are two exclusions on Bestow policies: death from suicide in the first two years of coverage and the providing of untruthful information.
- Does Bestow have an age limit?
- Yes, Bestow only offers life insurance to applicants between 21 and 59 years old. Its 20-year term policy is only available to applicants under 45.
- Does Bestow coverage begin immediately?
- Yes, coverage begins as soon as you are approved and make your first payment.
Is Bestow legit?
Bestow is a good option for life insurance if you prefer to sign up online and don’t want to worry about having a medical exam. Bestow only offers term life insurance without riders, so you’ll have to look elsewhere if you want whole life insurance or a policy with an accelerated death benefit rider. If you’re looking for a 10-, 20-, 25- or 30-year term policy and coverage up to $1.5 million, consider getting a quote from Bestow.
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I bought an insurance policy to replace the one I already have. The one I had took literally months to set up. I had to do a physical blood test and fill out reams of paperwork, and I’m literally in perfect health. Still it took forever. I purchased this policy via my cell phone in less than 20 minutes. It was amazing. I would highly recommend this to anyone putting off buying life insurance because it’s such a hassle. This is peace of mine without the hassle.
Hi Jonathan, thanks for letting us know about your experience. We love hearing the process was easy for you! Congrats on getting coverage with Bestow!
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You can go on the internet and spend a lot of time like I did and look at different life insurance options, or you can save yourself the trouble and use my research conclusion and make the decision to go with Bestow. I can attest that everything they claim on their website is all spot on, with no surprises, and the online application really does only take about 5 minutes. You will receive an almost instantaneous decision when you click submit, and that's all there is to it. I don't see how this could have been any easier or quicker, and I can honestly say with no reservations or hesitations whatsoever that I would recommend Bestow second to none if you are looking for this type of insurance. This company truly deserves the 5 stars I'm giving them!
Hi James, thanks for taking the time to let us know about your experience. We love hearing the process was easy for you! We are so happy you joined the Bestow family!
Good deal and price so thank you very much. I need it for me and my family so thank you. I will tell a friend and other people about y'all. Ok. Good job. Keep making people happy. I need some paperwork send to me.
Hi Janet, we truly appreciate your referral. We are so happy you joined the Bestow family! We would be glad to mail you your policy documents, please give us a call at 833-300-0603 (M-F, 8am-6pm CT) so our customer care team can best assist you!
At the age of 38 with 4 kids, I've waited way too long to get additional life insurance outside of work. After trying a service through Costco, which required an in-home physical, blood/urine samples, and blood pressure, then getting hit with the super high quote that goes up after 5 years, I decided to search online for cheaper for my wife and I! Came across Bestow, got our quotes, then asked a friend that works in insurance if it was good. He said those were the best quotes he's ever seen, so we did it. With no medical, exam, tests, rising monthly costs, or waiting weeks, it was the best decision we've made for each other and our kids!
Hi Ireneo, thanks for letting us know about your experience. Congrats on getting coverage with Bestow!
We are in our 50's, and even though we don't have a lot of health problems, it's easy to find yourself under a microscope if you're looking for health insurance or life insurance at our age. The Bestow site made it super simple to apply, and everything was done in a few minutes completely online. No agents calling with high pressure or embarrassing questions, no crazy rate adjustments after signing up. Great experience, highly recommend!!!
Hi Denise, thanks for taking the time to let us know. We are so happy you joined the Bestow family!
Thanks. Super easy to get life changing coverage and look forward to years to come and the price was right and affordable at least for me and I appreciate the way the application was set up. It was simple and effective for me.
I’ve been thinking about life insurance for a long time, but between parenting & my job, I just don’t have the time jump through hoops to get it. This was a very good fit for my busy life, & really gives me peace of mind.
Process was fast and easy. It was very straight-forward, and the initial quote did not differ much from the final offer. It was great to customize coverage amounts and terms to decide what the best option and rate would be. I liked being able to adjust, and Bestow had more options and better pricing than the other quotes I received.
I am a new customer to this company, but so far I have had a great experience. The application process was quick and easy, and I've had followup call to offer assistance with any questions I may have. I also receive information weekly about their company. Like everyone else thinking about life insurance is not something we want to think about but, Bestow makes it less overwhelming. I definitely will recommend them to friends and family.
It was an awesome experience to jut put the information that Bestow needed to process the case. Once it was done, it take cares of everything for you. Even after all done, they send all the documents that a person needs to understand that what is really going on.
Hi Parteek, thank you for your kind words. We will definitely pass this positive feedback on to our team! We are so happy you joined the Bestow family!
The application process was fast and easy. No hassle. No medical exam. I was covered the same day in less than 20 mins. Thanks to Bestow, I have better coverage than I previously had and I did not need a financial advisor to “guide” me.
Hi Abe, we love hearing the process was easy for you! Thanks for letting us know about your experience. Don't forget to share the love and refer your friends and family to Bestow!
Great product at a great price. Easy sign up via the website. Website is easy to navigate. Service is fully explained in great detail. I recommend this life insurance company product to anyone that is looking for affordable coverage. This company also comes highly recommended via the world wide web.
Hi Felicia, thank you for your kind words. Thanks so much for the shoutout!
So quick and easy!!! I am that lazy millennial who wants to spend the least amount of time adulting. So when I do I like the process to be quick and easy to fill out with my iPhone & not take much of my time! Which this literally took less than 5 minutes like it was almost too good to be true. However I received my documents seconds after the application was approved!
We're in the business of making hard things easier. We're glad you joined the Bestow family!
I honestly could not believe how easy it was to obtain life insurance through Bestow. I got exactly what I needed, the premiums rates were great, and I love the monthly payment option. I was paying so much more for life insurance before I found Bestow. Additionally, the customer service is fantastic! I'm very grateful to have found Bestow and greater peace of mind as a result. :)
We will definitely pass this positive feedback on to our team! We're so happy you joined the Bestow family. Thanks for trusting us to protect your loved ones.
I switched to Bestow after I had a company not test me well. This process is by far the smoothest and easiest I've used. Rates and great and feel good about the coverage. I even got my wife to joint on as well as she has no clue her work didn't offer her anything.
We love hearing that the process was easy for you! Thanks so much for trusting Bestow. We're so glad that you and your wife were able to obtain coverage to protect your loved ones.
My experience everything‘s been great. I really enjoy it I am glad I joined on with this company and got a policy through you. I will look to refer this company to my friend's families. I think everybody should have this opportunity.
Thanks for joining the Bestow family. We're so glad that you've had a great experience.
I have found no fault with this company. I love the price for the coverage. It’s within my budget and it’s automatically drafted on that day. I encourage any that read this to try Bestow out for yourself. I have told many about this company and many that didn’t have life insurance immediately got covered.
We love making the process of obtaining life insurance easy! Thanks for taking the time to let us know about your experience.
I’m 47 years old and was looking for a good term life insurance policy. Bestow was very easy and a smooth transaction. Now my wife and kids will be taken care of if something happens to me. Thank you Bestow!
Thank you for trusting Bestow to protect your family. We appreciate you!
It was fast and easy getting insurance through Bestow. Answered a few questions online and bam! It was done. Great rates for over 50 years old too! I highly recommend Bestow if you want fast and easy with no medical exams. The rates are comparable to the other national brands.
Hi Tamara! We're so glad you joined the Bestow family. Thank you for choosing to protect your loved ones with Bestow!
It was a real fast process and gave me exactly what I needed in 10 minutes. Not to mention it's cheap too! It's also super simple to make any changes I might need to make on the customer portal. I've recommended Bestow to basically all of my friends and family members!
Hi Adnan! Thanks so much for your great feedback. We love that the process was so easy for you. Don't forget to share the love and refer your friends and family to Bestow!
Bestow Company Information
- Company Name:
- 750 North St. Paul Street #1900
- Postal Code:
- United States