Bestow
AUTHORIZED PARTNER

Bestow

 4.7/5 (47 ratings)
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Bestow

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 $50,000 to $1.5 million. Bestow life insurance is available in all states except New York.

Overall Satisfaction Rating

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Pros

  • No medical exam necessary
  • Policies start at $10/month
  • 30-day money-back guarantee
  • Online claim filing

Cons

  • Maximum eligibility age of 59
  • Not available in New York

Bottom Line

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 cost

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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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: 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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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 21, 2022

    The process was exactly as smooth and quick as the marketing promised, which was shocking. I tried Haven at the same time, and Bestow was an order of magnitude simpler and better. I’m now happily insured at a competitive price with Bestow, and I’m still waiting “3-5 days” with Haven to even find out what my price is and whether they’ll require a medical exam. Very impressed with the user focus and the product!

    Bestow response
    We are so happy to hear that you enjoyed our fast and friendly experience, Damon.
    Welcome to Bestow, where we walk the talk!

    Thank you for joining us ;)

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 26, 2022

    I completed the application in about 5 minutes. It was easy and very convenient. I’ve already told several friends and family to check out Bestow for their life insurance. I am in my 30s and I don’t have time for a medical exam or a lengthy telephone interview so the entire thing being online was perfect for me. The rate was very comparable with all of the companies I’ve checked.

    Bestow response
    We are so happy to hear that you enjoyed our experience, Barry.

    Welcome to Bestow!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 19, 2022

    First time buying life insurance, First of all the process is real simple. Not too many questions, right to the point. It only takes five minutes and the best thing about it, they give you “Price quote” as soon as you’re done. Very simple form of payment, you can put this in a credit card just like any payment and get miles, points, cash back on the credit card at the same time. The best way to buy life insurance.

    Bestow response

    We are so happy to hear that you enjoyed our experience. Welcome to Bestow, Gerardo!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 30, 2021

    After my last term policy expired I was looking for a longer term that was still reasonable. I did some Google research and came up with three companies to check out- the first two were complete duds. After multiple weeks I still never got a quote. I checked out Bestow, I was able to specify the coverage amount and the term for a reasonable rate. The answer was immediate, and I had my policy activated immediately. I couldn’t be happier with the service!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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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    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

    Bestow response

    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 www.bestow.com), email (team@bestow.com), or phone (833-300-0603).

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 14, 2022

    Even though I had lower rates quoted from other companies, the ease of the application process for both myself and my husband sealed the deal for us. Competitive rates, fast approval process and no ridiculous health exams. Win, win, win.

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    Bestow Company Information

    Company Name:
    Bestow
    Address:
    750 North St. Paul Street #1900
    City:
    Dallas
    State/Province:
    TX
    Postal Code:
    75201
    Country:
    United States
    Website:
    bestow.com