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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
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.
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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.
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!
Welcome to Bestow, where we walk the talk!
Thank you for joining us ;)
Very easy to get through. Took me no longer than 10 minutes. I appreciate that very much. I wasn't thinking about life insurance, but Credit Karma has so many opportunities within the site that I had to boss up and start it up.
Welcome to Bestow!
We love that you chose to go boss with us ;)
Great, fair, easy communication with Bestow staff. Great customer support engineering..looking forward with this life insurance with bestow. Most definitely will tell a friend or relatives.. Most importantly customer service is priority. And BESTOW is the chosen one to go with.. Thank you sincerely Alexander.
Welcome to Bestow!
Very impressed with Bestow and the amount of ease the process was for my life insurance application. It is very refreshing because usually it can take months for the issuance of the policy. I will highly recommend them in the future to family and friends.
Welcome to Bestow!
Having to deal with my father passing, last year. Made me truly think of how my family will deal with my financial burden. I have and still dealing with my (now) estate. This is probate. My now property is in Nevada. So I want to make sure that my love ones are covered, by means necessary.
Welcome to Bestow!
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.
Welcome to Bestow!
Site was very straightforward and very easy to navigate, there were no complicated questions to answer and I received approval very quickly. I would definitely recommend this carrier to all looking to obtain a simple term policy. I ran into a minor issue when attempting to finalize but I received assistance via the chat instantly.
We are so happy to hear that you enjoyed our experience. Welcome to Bestow, Cory!
Most efficient company to sign on with. Process was so easy. Pricing is extremely fair. Would recommend to anyone! I can’t imagine anyone having anything negative to say about the process, website, or pricing. I’m glad I found this company.
We are so happy to hear that you enjoyed our experience. Welcome to Bestow, Donna!
Awesome and great experience! Very easy and no questions asked. Now, I have a peace of mind and assurance that my family will be supported and taken care of in case I'm gone early. Thought my kids and wife should be worry free. It's my little help to them in the time of need, if it becomes necessary. Thank you, Bestow!!!
We are so happy to hear that you enjoyed our experience. Welcome to Bestow, Vitalii!
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.
We are so happy to hear that you enjoyed our experience. Welcome to Bestow, Gerardo!
Best experience getting life insurance! It was so quick and easy to navigate and sign up for my plan. You can easily change and move things around if you want a longer policy or more benefit. Recommend this company! You won’t regret it.
We are so happy to hear that you had a wonderful experience! Welcome to Bestow!
This life insurance company must be on undisclosed shaky financial foundations. For one, you are not allowed to have more than one policy. They have been promising to allow this since they started and now years later have yet to allow it. If you let your policy lapse, yea, they will let you renew, but you have to pat every cent for all the time you were NOT covered. Does this make sense? NO. They're hurting for money and this is basically extortion. (We'll cover you again but you have to give us money for services we did not render) and no you can't just get a new policy and start over.
Next, you are not allowed to upgrade or change your policy in ANY WAY WHATSOEVER. Once you buy, you're stuck with it and cannot get out of it no matter what you try. Next, if you make ONE mistake on your online application, you're screwed. (If you fat finger or typo) Because of this, once they put a black mark on your record (deny coverage or whatever reason) for that fat finger or typo, that denial or uprating STAYS on your record for life. The insurance companies have a type of "DMV" for insurance which tracks every mistake you have ever done. If any insurance company denies you or uprates you for whatever reason, your record is blackballed FOR LIFE. Don't let them lie to you and say otherwise. It's a dirty secret of the insurance mob. Steer clear of this company. There are too many secret and hidden pitfalls that Bestow refuses to correct or improve.
We’re sorry to hear that you had a difficult experience. As a digital agency and insurance technology company, Bestow has focused on working with insurance companies to make fast, affordable term life insurance a reality. As our company evolves, we plan to work with our partners to introduce not only additional product types, but also multiple policy ownership, and we appreciate you sharing your interest in these additional coverage options.
We would also like to address the concern you raised about reinstating lapsed policies. Policies issued through Bestow systems include detailed information regarding reinstatement rights and responsibilities. To continue paying at previously underwritten premium rates, the reinstatement of a policy requires a policyholder to catch up missed payments from the past. An alternative to reinstatement would require a former policyholder to apply for new coverage; though medical history and age may impact the rates offered under a new application.
Bestow’s customers are covered by some of the most trusted names in the industry, like North American Company for Life and Health Insurance®; an A+(Superior) rated carrier. We are proud of our partners, and even prouder of bringing the security of their coverage to those who come to Bestow for term life insurance.
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 (firstname.lastname@example.org), or phone (833-300-0603).
Bestow made signing up for life insurance super easy. It was recommended as the top term life insurance providers and so far so good. The initial amount quoted was much lower than it actually came back to be/month but I was able to modify the amount to meet my needs.
We are so happy you joined the Bestow family! We'll pass that feedback along to our team.
The process took only 15 minutes to complete! Just an easy form to fill out, and get life insurance! I would definitely recommend Bestow to anyone looking for life insurance. It could not be any easier! If you’re looking for life insurance, look no further.
Thanks for joining the Bestow family! We're so glad the process was easy for you!
I have never purchased insurance using an online platform so I didn’t know how long of a process it would be. Pricing was reasonable and the application was easy. I was able to purchase my policy and download the policy within minutes. I would recommend this online service without any hesitation.
Thanks for joining the Bestow family! We're so glad the process was easy for you :)
My wife accidentally answered one question incorrectly regarding when she had COVID and she was denied coverage. I contacted customer service and they said we need to type or hand write a letter and send it to the corporate office and wait 21 days for a response. All we needed to do was hit the back button like everything else in the world but nooo, you can’t do that with these guys. The other option is to wait three months and re-apply. No thanks, you’re just going to lose a customer.
Hi there, Josh. We’re so sorry to hear that you had a difficult experience! We have had this matter reviewed by our Underwriting Department, and have an update to share with you by private message. We look forward to serving your family for many years to come, and we thank you for sharing your concerns with us here.
Many people don’t think about life insurance as a necessity. Some may even think it’s just a waste of money but it’s not. This process was so easy, affordable, and it makes you feel at ease knowing you won’t leave your family with financial burdens.
Thanks for joining the Bestow family! We're so glad the process was easy for you :)
Thanks, the process for applying for Life Insurance was easy and fast. I was approved right away which was wonderful because I knew my family would be taken care of if something was to happen to me. I would recommend Bestow to anyone that is looking for Life Insurance.
The experience was easy, simple, and a great price! I can't say enough good things! Took less than 5 minutes to complete, approved instantly, and was able to easily set up auto payment. Compared to other pricing, was above and beyond.
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!
I didn’t give much thought about life insurance until losing a couple loved ones this year. Now I understand how important it is to have term life insurance to benefit my family. Bestow has made buying life insurance quick, easy and fun. Thank you!
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!
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!
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!
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!
Bestow Company Information
- Company Name:
- 750 North St. Paul Street #1900
- Postal Code:
- United States