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Overall Rating4.8 out of 5
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About Bestow

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 $100,000 to $1.5 million. Bestow life insurance is available in all states except New York.

Pros & Cons


  • No medical exam necessary
  • Policies start at $20/month
  • 30-day money-back guarantee
  • Online claim filing


  • Maximum eligibility age of 60
  • Not available in New York

Bottom Line

Bestow offers term life insurance policies starting at $20 per month. Customers can apply online for a policy with a 10-, 15, 20-, 25- or 30-year term and coverage from $100,000 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 60 in every state except New York. Bestow life insurance policies have terms of 10, 15, 20 or 25 years and coverage from $100,000 to $1.5 million. No medical exam is required.

All Bestow policies are issued by Bestow Life Insurance Company or North American Company for Life and Health Insurance.

Bestow life insurance plans

Bestow exclusively offers term life insurance to individuals who are 21 to 60, with no medical exam required. Policies have terms of 10, 15, 20, 25 or 30 years and coverage from $100,000 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 cost

Bestow’s life insurance policies start at $20 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 Bestow Life Insurance Company or 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 60 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 60 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.

Bestow Reviews

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Verified purchase
CoveragePunctuality & Speed

Reviewed Nov. 9, 2022

The process to get life insurance was really quick and easy. I got online answered the questions and received my approval within minutes. I would highly recommend contacting Bestow for your needs. I will be recommending Bestow to any of my family and friends looking to get life insurance.

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    Verified purchase

    Reviewed Nov. 6, 2022

    My experience with Bestow and getting an online quote for life insurance was very smooth. I was specifically looking to complete the full process online without phone calls to insurance agents. The rate was competitive and took 15-20 minutes from start to finish. Very pleased. Will definitely recommend this for simplicity, efficiency and competitiveness.

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    Customer ServiceCoveragePunctuality & Speed

    Reviewed Sept. 26, 2022

    Last time I looked for life insurance I got calls and emails with junk for months. I found Bestow on my Credit Karma account and almost feel like this is too good to be true. Super fast and easy, from home on my own time, got more coverage than I was going to with other companies because the rates are fantastic. If I didn't get the paperwork I'd think it couldn't be that easy! It really was!! Thank you Bestow!

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    Verified purchase

    Reviewed Sept. 15, 2022

    I was looking for some completely digital policies because in my previous experience, the agents tend to 'upsell' on additional 'features' that you may not necessarily require. Bestow was very easy to sign up and I am happy with the entire process so far. I just hope the company will honor its end of the deal if and when there is a need for it.

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    Verified purchase

    Reviewed Aug. 13, 2022

    I'm a woman who cares about getting the absolute highest QUALITY product for the absolutely lowest price I can. I got the most insurance for the lowest price with Bestow! You gave me that when it came to insurance! Get yourself insured with Bestow sooner than later!

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    Verified purchase

    Reviewed Aug. 4, 2022

    Very pleased with Bestow! Documents are easy available at a touch of a button. Monthly payments are very affordable! I highly recommend Bestow! So glad I made the choice on choosing Bestow as my primary Life insurance! Be smart and get insured so you have something to leave your loved ones!

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    Punctuality & SpeedProcess

    Reviewed July 20, 2022

    I wanted to get a term policy on myself for my children. I heard about this company through my job which I am so glad I did and then I went on the i internet to look up reviews. It was great. it was fast and easy. I loved the whole process.

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    Verified purchase

    Reviewed July 20, 2022

    The online site would be showing you one policy's benefit but when it's time to pay your plan somehow got changed and payment accepted. So you stuck with a useless policy that you pay on for your death only benefits. SMH. Scam. Then asked if I was compensated for my review. I need to be compensated for the tricks and gimmicks.

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    Response from Bestow

    Hi there, Gregory. We’re so sorry to learn of your experience.

    Bestow Agency sells term life insurance products on behalf of our partner carriers. Based on your review, it sounds like you may have been interested in a different type of life insurance product.

    Insurance is all about financial protections, but each kind of insurance has different features. Term life insurance offers a death benefit if you pass away during the term of your policy, whereas whole life usually provides a guaranteed payout for the rest of your life. As a result, term life is typically a less expensive option, and is the only type of coverage presently offered by Bestow Agency.

    If you have additional questions, please do not hesitate to contact our customer care team. We’re available Monday through Friday from 8am-6pm CST via chat (on, email (, or phone (833-300-0603).

    Verified purchase

    Reviewed July 13, 2022

    I just want to get life insurance for me. Easy not asking me. Not have been picky. This company lovely and fast. I try for 8 companies and saw like too much thing have to did. So I got this one done in 10 minute after file the from. And I not even think I will use because I have never been get sick or get go hospital for 7 years. My healthy perfect. I exercise every day 45minute. Sleep on times 9pm-5am and eat healthy food. You never know what life can be happening!! Just in case I have been hurt and die it have safety for people I love and my business not get affected after. Thank you so much for creating easy insurance likes this. May

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    Verified purchase

    Reviewed July 8, 2022

    This is by far the simplest application and coverage I have ever found giving you the peace of mind that your loved ones will be taken care of. The coverage and payment schedule is easy to choose without pressure from anyone to choose quickly. Highly recommend.

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    Bestow Company Information

    Company Name:
    750 North St. Paul Street #1900
    Postal Code:
    United States