How Much Does Life Insurance By Bestow Cost?



Advertising Disclosure:  Companies we recommend may pay us a referral fee. Learn more.

Happy family enjoying dinner because they have life insurance.

Summary:

If you're looking for the cost of Bestow Life Insurance, we've got you covered.

We ran multiple sample quotes on the Bestow website.

In all cases, we assumed a healthy individual who doesn't smoke.

Your actual price may be different from the samples shown and will depend on how old you are, how healthy you are, and whether you smoke or use nicotine products as well as other factors.  To get an exact price, you will need to complete the application and underwriting process.   

Check out our full Bestow Life Insurance Review for all the company details. 

Get an Instant Life Insurance Quote from Bestow

Bestow PRICING AND FEES

Bestow is a licensed agent and third party administrator for North American Company for Life And Health Insurance.  

North American is an A+ rated company with A.M. Best and has competitive prices versus the competition.  North American is the actual life insurance company who issues and backs the policy.   Other than paying the premium for the policy, there are no extra fees you will have to pay if you buy your life insurance through Bestow.

Premiums are very competitive in the no-medical-exam market and start as low as $16 per month.

HOW MUCH DOES Bestow TERM LIFE INSURANCE COST?

The cost of a term life insurance policy issued and backed by North American purchased through Bestow is not expensive if you are ages 18 to 59 and want a 10 year to 30 year term life insurance policy.  See sample quotes below.  If this description does not fit your profile, you will have to buy your life insurance some place else.

QUICK VIEW

  •  Face Amount: $50,000 to $1,500,000
  • Issue Ages: 18 to 59 are eligible to apply.  The 20 year term is only available at age 45 or younger.
  • Level Period: 10, 15, 20, 25, and 30 year term

Bestow UNDERWRITING CLASSES

  • Preferred Non-Smoker
  • Standard Non-Smoker
  • Smoker

Bestow ADDITIONAL RIDERS

  • Bestow DOES NOT offer any riders on policies they sell.  If you want living benefit riders like Accelerated Death Benefit, Bestow is not the right place to buy your coverage.

Conversion: Bestow does not have any conversion option on policies they sell.  Switching your policy to a permanent policy if you have a change of health for the worse is not an option at Bestow.  It's also important to note that the term policies sold by Bestow are NOT guaranteed renewable.  This means you will have to qualify medically for a new policy once your 10 to 30 year term ends.

Bestow TERM LIFE INSURANCE PROS

  • Easy to purchase.  Fast approval and no medical exams are required, ever
  • 10, 15, 20, 25 and 30 year terms available
  • Monthly premiums as low as $16

CONS OF Bestow TERM LIFE INSURANCE

  • Limited issue age - Have to be under 45 years old to be eligible to purchase a 20 year term.
  • No Living Benefit Riders in case you become terminally ill and need to access your death benefit early to help pay for medical expenses.
  • DOES NOT offer any permanent life insurance to purchase or convert to.

Get an Instant Life Insurance Quote from Bestow

Bestow SAMPLE MONTHLY QUOTES

The sample Bestow sample monthly quotes assume the best possible underwriting class offered.  Actual prices may be different.  Click here to get your personalized quote from Bestow.

Monthly Term Life Insurance Quotes (Age 30 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$9.58

N/A

$10.25

N/A

$250,000

$13.33

N/A

$15.62

N/A

$500,000

$23.33

N/A

$26.25

N/A

$1,000,000

$43.33

N/A

$49.16

N/A

Monthly Term Life Insurance Quotes (Age 30 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$8.42

N/A

$8.83

N/A

$250,000

$10.83

N/A

$12.71

N/A

$500,000

$15.83

N/A

$19.58

N/A

$1,000,000

$28.33

N/A

$35.83

N/A

Get an Instant Life Insurance Quote from Bestow

Monthly Term Life Insurance Quotes (Age 40 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$11.67

N/A

$13.33

N/A

$250,000

$17.71

N/A

$22.29

N/A

$500,000

$31.25

N/A

$39.16

N/A

$1,000,000

$59.16

N/A

$75.00

N/A

Smiling multi-generational family smiling and posing for a casual family photo.

Monthly Term Life Insurance Quotes (Age 40 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$10.08

N/A

$11.33

N/A

$250,000

$15.21

N/A

$18.96

N/A

$500,000

$22.08

N/A

$31.25

N/A

$1,000,000

$40.83

N/A

$59.16

N/A

Quotes are quick, easy, and free!

Monthly Term Life Insurance Quotes (Age 50 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$17.67

N/A

N/A

N/A

$250,000

$32.08

N/A

N/A

N/A

$500,000

$56.25

N/A

N/A

N/A

$1,000,000

$109.16

N/A

N/A

N/A

Monthly Term Life Insurance Quotes (Age 50 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

$14.67

N/A

N/A

N/A

$250,000

$24.79

N/A

N/A

N/A

$500,000

$40.00

N/A

N/A

N/A

$1,000,000

$76.66

N/A

N/A

N/A

Monthly Term Life Insurance Quotes (Age 60 - Male)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

N/A

N/A

N/A

N/A

$250,000

N/A

N/A

N/A

N/A

$500,000

N/A

N/A

N/A

N/A

$1,000,000

N/A

N/A

N/A

N/A

Monthly Term Life Insurance Quotes (Age 60 - Female)

Coverage

10 Year

15 Year

20 Year

30 Year

$100,000

N/A

N/A

N/A

N/A

$250,000

N/A

N/A

N/A

N/A

$500,000

N/A

N/A

N/A

N/A

$1,000,000

N/A

N/A

N/A

N/A

Quotes are quick, easy, and free!

WHAT IS THE COST OF Bestow GUARANTEED ISSUE WHOLE LIFE INSURANCE?

Bestow DOES NOT offer guaranteed issue whole life.  Click here If you need quotes or information about guaranteed issue whole life


Do you hate doctors but want life insurance? 

No problem with no-exam life insurance from Ladder Life! 


WHAT IS THE PRICE FOR Bestow UNIVERSAL LIFE INSURANCE?

SUMMARY

Selling life insurance policies that are back and issued by North American Company for Life And Health, Bestow is a complete niche company.  They only want to insure young healthy people who are looking for a basic 10 or 20 year term life insurance policies with no riders or conversion options. Bestow really does not offer anything special except non medial policies for a select few younger applicants.

Have you had any experience with Bestow?   Let us know in the comments.


Written by:  Chris Lalor

Leave a Reply

Your email address will not be published. Required fields are marked

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}