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bestow life insurance review

Bestow Life Insurance is a newer life insurance provider offering an entirely online experience without a required medical exam. A process that used to take weeks can now be done in the same day, without leaving the comfort of your home or office.  This Bestow Life Insurance review can help you decide if the company is a good fit for you and your life insurance needs. We aim to provide comprehensive reviews to save you time and money.

Here’s What You Need to Know About Bestow Life Insurance

Bestow Insurance offers term life insurance for individuals and families. If you’re a U.S. citizen, between the ages of 18 and 60, and in generally good health, you can get coverage in about 10 minutes starting at $10 a month. Choose from 10- to 30-year term and up to $1.5 million in coverage as part of your estate plan.

  • pros & cons

  • insurance types

  • who is a good fit?

pros & cons of Bestow life insurance


  • No medical exam: More and more people are choosing to avoid the hassle of a medical exam to purchase life insurance.  Bestow offers term life insurance coverage and no medical exam is required for a qualifying applicant.
  • Completely online process: If you don’t want to talk on the phone or have to schedule meetings to purchase life insurance, Bestow offers a 100% online experience.  But, you can call or live chat with a representative if you need to.
  •  Non-commissioned representatives: If you want to speak with a Bestow Life Insurance representative, don’t worry about being sold.  They all work on salary and not commission, so the reps have your best interest at heart and can help you find the right coverage for your situation.
  • Get approved in 10 minutes or less: Thanks to artificial intelligence, Bestow Life Insurance is able to offer lighting-fast approvals in 10 minutes or less.  This includes the quote and application process, broken up into four easy-to-navigate sections.

  • Affordable rates: Bestow Life Insurance rates start at just $10 per month for the best qualified applicant.  Though your rate will differ based on your health, age, and coverage needs, you can still get affordable term life insurance the same day you get a quote.


  • Only term life insurance: Though term is the most bought type of life insurance, some people still want options for whole and universal life.  At Bestow, you can only get term life insurance coverage up to 30 years.

  • Coverage only up to $1.5 million: Bestow has recently increased its maximum term life insurance coverage to $1.5 million.
  • No Life Insurance Riders available: Though this may change in the future, Bestow Life Insurance offers only term life insurance with no options for riders. If you want a child term rider, accidental death, accelerated death benefit, or other common riders, you’ll have to look elsewhere.

  • No option to convert your Bestow Life Insurance policy to a permanent policy if you have a change of health.  You may have to go without life insurance if your health changes for the worse once your level term period expires.

How is Bestow insurance Different?

Bestow offers an entirely online experience, from quote to finalizing the application and receiving your life insurance policy.  Bestow uses an in-house underwriting platform to speed up the process, providing you real rates based on your risk profile without the need for a medical exam.  It estimates time from applying to decision takes about 10 minutes.  Bestow Life is also unique because it offers a referral program so policyholders, influencers, and other individuals can earn rewards for referring others to Bestow.

What types of insurance can you purchase from Bestow

Bestow offers what the overwhelming majority of life insurance purchasers want - Bestow term life insurance.  This type of life insurance is the most affordable, allowing people on a budget to get more coverage for less.

Did you know?

Insurance companies are NOT all the same.  Some are more lenient on certain health issues, some focus on a no-hassle application without an exam, some are financially stronger than others, and their pricing varies a LOT!  Get 2 to 3 quotes for best results!

We Recommend:


At Bestow Insurance, you can choose from Bestow term life insurance for 10-, 15-, 20-, 25-, or 30-years of coverage. Coverage begins at $50,000 and you can choose any amount up to $1.5 million.

a brief history of Bestow 

Bestow is on a mission to “help people protect their people” through the sale of term life insurance.  Like other companies offering accelerated underwriting, Bestow Insurance has set out to disrupt the traditional underwriting process which can take weeks, including an invasive medical exam. 

Founders Melbourne O’Banion and Jonathan Abelmann have worked to make the life insurance buying process faster and easier, and of course, more affordable than traditional markets.  Using artificial intelligence and big data, you can apply for coverage and be approved in about 10 minutes

Americans are terrible at this one thing...

recent study found that more than half of Americans overestimate the cost of term life insurance by three times.  If you've never gotten a personalized quote or only seen quotes from one company, you likely have no idea how inexpensive life insurance really is!

Bestow Insurance Products

Bestow term life insurance coverage online with no medical exam for anyone who is approved.  While not everyone will qualify, those who do can get Bestow term life insurance of up to $1.5 million and 30 years of coverage for their beneficiary to use when they pass on.

Quotes are quick, easy, and free!

Bestow Insurance coverage details and guidelines

Read on to find out who issues Bestow Life's policies, how to get an online quote, and how to get a low rate.

To qualify for Bestow, you should be able to meet these guidelines:

  • Be a U.S. citizen and reside in the States
  • Either employed, a student, or a full-time homemaker
  • Be in general good health
  • 10-year term: between the ages of 56-60
  • All terms: between the ages of 18 to 40

Anyone with the following health conditions will not qualify:

  • Certain cancers
  • Heart disease
  • Stroke
  • Organ transplant
  • Diabetes before 40 (except gestational diabetes)
  • Alcohol or drug abuse
  • HIV
  • Kidney disease resulting in dialysis

Here are some rate comparisons between Bestow Insurance and it's competitors, to give you an idea of how much coverage could cost.

Who Issues Their Policies?

Bestow Insurance policies are issued by North American Company for Life and Health Insurance™.  North American has an Excellent (A+) rating for financial strength from A.M. Best.


Select Your State for an Instant Quote

How Do I Get An Online Quote Through bestow life insurance?

As soon as you load the Bestow website, you’re welcomed by two buttons: “Get a Quote” and “Apply now.”  To get a quote, provide a few key pieces of information:

  • Gender
  • Birthday
  • Height
  • Weight
  • Zip code

Check the box if you currently use nicotine and then click on “Get Estimate!”

How do I get a low rate?

To get a low rate with Bestow Insurance, you should be young (but at least 18) and in generally good health. You should also not have any of the health conditions listed above. The healthier and younger you are, the better your rate with Bestow will be.


Check out these Bestow Term Life Insurance Sample Monthly Quotes!

Bestow Term Life Insurance

Sample Monthly Quotes


Age 30

Age 40

Age 50

$250,000 - 10 Year Term

Male - $14.96

Female - $16.63

Male - $44.75

$500,000 - 20 Year Term

Male - $24.75

Female - $27.25

Male - $73.50

For more sample quotes and policy details,  click...

 How Much Does Life Insurance By Bestow Cost?

Quotes are quick, easy, and free!

Find Your Perfect Life Insurance Plan!

Click below to search for life insurance by company, coverage amount, and policy type.

Shortcut:  Our #1 choice for life insurance with health issues is AIG Direct.  If you have any history of heart disease, diabetes, cancer, stroke, or obesity, click here for a free quote.

WHO is Bestow Insurance for?

Bestow is for generally healthy U.S. citizens between the ages of 18 and 60, without major health concerns.

Who is the ideal Bestow applicant?

Someone in excellent health between 18- and 40-years-old will get the best rates for term coverage with Bestow Life Insurance.

what if i'm not perfectly healthy?

It is unlikely you will be approved by the Bestow algorithm if you are not in perfect health.  Even with mild "health conditions" you may be told you do not qualify.

 So if you are not perfect health, or not the ideal Bestow Life applicant, let us help you get quotes from multiple carriers that are more suited to your health profile.

Our Favorite Life Insurance Companies

We've worked with and reviewed dozens of companies.  Here are our faves.

Ladder Life Insurance Logo

Ladder Life Insurance

Best for:  No-Exam Plans Up to Age 60

Ladder is known for a quick and easy online application with no medical exam required in many cases.  They have 10, 20, and 30 year plans.  They offer the most coverage without an exam in the industry. Coverage amounts start at $100,000 and go as high as $8 million.

AIG Direct Life Insurance Logo

AIG Direct

Best for:  Lowest Rates or Health Conditions

AIG Direct offers a range of custom term plans up to 35-year term as well as return of premium, and permanent plans that build guaranteed cash value.  Their rates will beat just about anyone if you take an exam.  They're also terrific if you take medication or have health issues.

how to apply for life insurance with Bestow?

Guaranteeing a 100% online process, you can apply for Bestow insurance directly on their website.

Quotes are quick, easy, and free!

signing up for bestow life 

Bestow boasts a process of 10 minutes or less from getting a quote to being approved for coverage.  The process is done entirely online, but you can also chat live with a non-commissioned representative or call the company directly at 1-833-300-0603.

how does the application process with Bestow life work?

The Bestow Life Insurance application process is broken down into four parts:

  1. Provide your address, email, and social security number.
  2. Provide details about your lifestyle, including citizenship, medical history, and hobbies.
  3. Choose your beneficiaries.
  4. If approved, choose the term length and coverage amount. Enter your credit card information to bind the policy with instant coverage.

Bestow financial strength and bbb ratings

Bestow Life Insurance Company has an A+ rating with the BBB. North American Company for Life and Health Insurance, the company who issues Bestow’s life insurance policies, has an A+ rating with A.M. Best, Standard & Poor’s, Fitch Ratings, and the BBB.

Since financial strength translates to a company’s ability to pay out claims, the ratings for both Bestow Life Insurance and North American Company show, in the event of your passing, your beneficiary will be paid on time and in full.

Bestow Life Insurance reviews and complaints

Bestow Life Insurance has 4.8 stars after 523 reviews on Trustpilot and with Consumers Advocate. After 8 ratings on Consumer Affairs, Bestow has 5 stars.

However, after 4 reviews on BBB, Bestow Life Insurance has only 1.75 out of 5 stars. Reviewers complain of not qualifying for coverage and others advise of high rates when they do qualify.

Reviews and complaints about Bestow Life Insurance - Glassdoor, BBB, Trustpilot

Compare Bestow Life Insurance VS New York Life Insurance

Bestow offers term life insurance only, while New York Life offers term, whole life insurance, and universal life insurance products.  At Bestow, you can get a quote, complete the application, and be approved online and in about 10 minutes.  New York Life requires you to speak with a licensed representative who works on commission to complete the application process, while Bestow has non-commissioned representatives available, if you need one.

New York Life offers medically underwritten life insurance, but Bestow’s term life policies does not require a medical exam.  Depending on your health, you may get a better rate with New York Life because Bestow only offers coverage to healthy adults who fall under its guidelines.

How to Compare Companies:

Life insurance companies vary widely in price and policy features they offer.  The smartest move is to get quotes from two or three companies and compare the pros & cons of each.


Many of the following companies have better products and cheaper prices versus Bestow Life Insurance.  Some even offer no medical exam policies.

Family game of tug-of-war with a rope. Set in a field with a blue sky and white clouds

Ethos Life Insurance

Ethos has developed an online platform that allows you to apply for life insurance and possibly get instant approval.  If you're looking for a quick approval with convenience, you might also get a quote from Ethos.

Fabric Logo

Fabric Life Insurance

Fabric Life is another Insuretech offering affordable life insurance with easy, online quotes and application available 24/7.  The company uses algorithms to speed up the underwriting process, with well-qualified applicants getting approved without a medical exam.

Haven Life Insurance Review

Haven Life Insurance Review

Haven Life Insurance Agency, LLC, is a wholly-owned subsidiary of MassMutual and offers an easy and fast online quoting and application process for term life insurance. 

Leap Life Insurance Logo

Leap Life

Leap Life uses artificial intelligence (Policy Matching AI) technology to compare your health, habits, and hobbies against life insurance company underwriting guidelines in order to match you with the best possible policy from a company that they represent.

Woman smiling lookin up lemonade life insurance on her laptop

Lemonade Life Insurance Review

Using AI technology and chatbots, Lemonade offers a completely online experience and lightning fast claims processing through its mobile app.  

Prudential Life Insurance Logo

Prudential Life Insurance Review

Prudential is a great alternative if you have medical conditions, are overweight, or smoke any form of tobacco.

Two young families outside having a good time with their kids piggy backing on them. Banner across picture say Sagicor Life Insurance Review

Sagicor Life Insurance Review

Sagicor is a full-service life insurance company, offering term, whole life, and universal life through SagicorNow Accelewriting no medical exam underwriting for qualified applicants.

For more company information, please visit our Life Insurance Company Reviews Page.   If you’re searching for life insurance by term length or dollar amount, please visit this page

Quotes are quick, easy, and free!


  1. Are Bestow Life Insurance rates competitive? – YES.  Bestow term life insurance rates aren’t the lowest available, but they are consistently better than average when compared to those of the top insurers. 
  2. What does Bestow Life Insurance Reviews say about their customer service? – Bestow Insurance Reviews show that they have good customer service.  Their website portal is very efficient in handling the life insurance application / underwriting process.  They also provide a toll free number if you need to talk to a customer care representative.
  3. Will applying to Bestow Insurance hurt my credit score? – No. Insurers look at the data behind your credit score (like timeliness of payments or if you’ve filed for bankruptcy), but not your credit score itself.  The request for this data is only a soft credit inquiry and doesn’t impact your credit.
  4. Are there any customer complaints in any Bestow Life Insurance Reviews? – YES & NO.  If you fit their profile and get approved for the coverage,  it will be an easy buying experience.  You will be happy and have no complaints.  If you are rejected, you will not be happy which might generate complaints.
  5. Is Bestow Insurance website good, safe and reliable to use when buying life insurance? – YES – Although their website does not have educational content,  and they only offers policies from one company,  their platform appears safe and secure.  However, caution should be taken before entering your personal information on Bestow’s or any website.
  6.  What happens when the term is over?  Your coverage will expire.
  7. What happens if Bestow can not offer me coverage?  If Bestow can not offer you coverage due to age, health, etc., they will provide a link to Policygenius as an alternative.
  8.  What is the relationship between Bestow Life Insurance and Lemonade Life Insurance?  Bestow, recently announced a partnership with Lemonade.  Using  Bestow's Protect API, Lemonade customers can apply for instant, affordable life insurance in as little as five minutes online — all within Lemonade's website and apps.
  9.  What is life expectancy?  Life expectancy is the statistical expectation of how long someone will live at birth based on a number of factors such as socioeconomics, demographic, geographic, thermographic, stenographic, idiographic, and historiographics.
  10. Did Bestow acquire Centurion Life Insurance Company?  Yes!  Click here for the details.


Bestow Life Insurance offers term life insurance from 10 to 30 years in coverage, with death benefits from $50,000 to $1.5 million and rates starting at $10 per month.  U.S citizens between the ages of 18 and 60 are encouraged to apply, but only those in good or better health will be approved.  Bestow offers an entirely online process, from quote to binding your life insurance policy in about 10 minutes


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Written by:  Chris Lalor

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