| Pros | Cons |
|---|---|
| Easy online application, with no medical exam required. | No available riders. |
| Rated “Excellent” on Trustpilot. | Coverage maximum may be low for some applicants (up to $1.5 million) |
| Wide variety of term lengths, from 10 to 30 years. |
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Available in every state except New York, Bestow offers term life insurance policies for Americans ages 18 to 60. Thanks to Bestow’s advanced underwriting process, customers can skip the medical exam and apply completely online. Better yet, approved customers often hear back from Bestow in minutes. Applicants can choose their preferred coverage amount (from $50,000 to $1.5 million) and term length (10 to 30 years) to customize their policy.
We highly recommend Bestow to people who want their life insurance policy to be simple and affordable. Bestow’s application process couldn’t be easier: from start to finish, the entire application takes about 15 minutes. New applicants aren’t required to get a medical exam; instead, applicants answer a few simple questions, get a quote, and, if approved for coverage, activate their coverage with a click of a button. Bestow is also extremely affordable, with rates starting at $11/month.
| Pros | Cons |
|---|---|
| Easy online application, with no medical exam required. | No available riders. |
| Rated “Excellent” on Trustpilot. | Coverage maximum may be low for some applicants (up to $1.5 million) |
| Wide variety of term lengths, from 10 to 30 years. |
Bestow keeps it simple by offering just one policy: Individual Term Life Insurance.
With term life insurance, a policyholder’s friends and family (called “beneficiaries”) receive a coverage amount if the policyholder dies within the contract’s term length. As Bestow’s term life insurance is “individual,” applicants can only sign themselves up for coverage and are not able to sign up another person in their stead.
With Bestow, term life insurance applicants have a few customization options regarding their policy details:
Bestow’s term life insurance policies are issued by North American Company for Life and Health Insurance®, which is rated an A+ carrier by A.M. Best.
Bestow life insurance is designed to financially protect a policyholder’s family and friends in the event of the policyholder’s death. There are a few scenarios that annul coverage, including:
Bestow is available in every state except New York.
In addition to its easy online application, Bestow offers an in-depth Buyer’s Guide page that contains educational videos, articles, and graphics that cover the basics of life insurance. Bestow’s Buyer’s Guide has helpful information for life insurance applicants new and old, including content that covers finding a coverage amount, the difference between term and whole life insurance, how to choose your beneficiaries, and more.
Bestow has a rating of 4.6/5 on Trustpilot, which is considered “Excellent.” The majority of multi-star reviewers praise Bestow’s application, which customers often say is easy and quick.
Life insurance pricing is unique to each applicant, as life insurance companies use personal factors to calculate the details of an applicant’s policy.
The following Bestow term life insurance sample pricing, gathered on 11/10/2022, assumes that the fictional applicant:
$500,000 Coverage
| Age | Amount | Policy | Female | Male | Medical Exam Required |
|---|---|---|---|---|---|
| 25 | $500,000 | 20-year term | $17.25/mo | $27.25/mo | Never |
| 35 | $500,000 | 20-year term | $21.83/mo | $28.92/mo | Never |
| 45 | $500,000 | 20-year term | $42.67/mo | $55.17/mo | Never |
| 55 | $500,000 | 15-year term | $82.67/mo | $108.08/mo | Never |
$1,000,000 Coverage
| Age | Amount | Policy | Female | Male | Medical Exam Required |
|---|---|---|---|---|---|
| 25 | $1M | 20-year term | $28.50/mo | $48.50/mo | Never |
| 35 | $1M | 20-year term | $37.67/mo | $51.83/mo | Never |
| 45 | $1M | 20-year term | $79.33/mo | $104.33/mo | Never |
| 55 | $1M | 15-year term | $159.33/mo | $210.77/mo | Never |
To find pricing accurate to you and your family’s needs, we recommend that you get a quote directly from Bestow’s website.
It only takes a few steps to activate your life insurance policy from Bestow:
What is Bestow?
Bestow is an insurance broker that helps Americans find affordable term life insurance.
Is Bestow a legit company?
Yes, Bestow has a 4.6/5 rating on Trustpilot and partners with the North American Company for Life and Health Insurance® to issue policies.
Does Bestow life insurance payout?
Yes, Bestow life insurance provides coverage to its policyholders ranging from $50k–$1.5 million.
We highly recommend Bestow life insurance to anyone searching for a term life insurance policy, especially those looking for affordability and a speedy application process. Bestow’s premiums are affordable, with pricing averaging about $22/month for 25-year-old customers seeking $500,000 in coverage. Applicants never have to take a medical exam; instead, the application is 100% online, and applicants are typically notified of their approval instantaneously.
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