Bestow Review
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Bestow Reviews

Lauren Le-Hair


Lauren Le-Hair

Instant life insurance
Instant life insurance
About Bestow

Bestow was founded in 2016 as an attempt to plug the gap for no-frills, easy-to-obtain, online-only life insurance. The company’s goal was to use data-driven technology to provide quick life insurance quotes. Bestow is wholly focused on providing life insurance and is simplified to the level where it only supplies one non-adjustable product. Ultimately, this helps customers with a swift and easy process. 

Bestow is based in Dallas, Texas, and has quickly grown from a small start-up to a prominent company with over 250 employees. This growth has also resulted in partnerships with industry giants such as Morpheus and Core Innovation Capital. Furthermore, policies issued are by the North American Company for Life and Health Insurance. 









Bestow Life Insurance Review

Bestow takes a unique approach to prodiving life insurance. Unlike its competitors, who have multiple products with riders and different terms available, Bestow has opted for maximum simplicity. The company only offers one life insurance product, but it has found that this product meets most people’s needs. If you are between 18 and 60, want term life insurance for between 10 and 30 years, and don’t need coverage greater than $1.5 million, Bestow’s life insurance could be the one for you.

Bestow Life Insurance Highlights


$5,000 - $1,500,000


10-30 years


Not required



Pros & Cons

  • Fast and easy online-only application
  • Competitively priced
  • No medical exam required
  • Excellent online reputation
  • Only one policy with no flexibility or riders
  • Relatively low coverage maximum of $1.5 million
  • Permanent life insurance is not available

Policy Types

  • Term insurance

Optional Add-Ons



  • Not available for people over 60 or for residents of New York state

Associated Fees

Buying life insurance with Bestow is straightforward in that there are no hidden fees – there is simply a monthly payment. There are no further associated fees.

How to Apply

Impressed by Bestow’s quick, no-frills approach to life insurance, we decided to apply for life insurance coverage. To get started, we had to complete the following basic form, giving our gender, date of birth, height, weight, zip code, and confirm if we were a smoker or not.

Step 1

After completing this simple form, we were then issued an estimated monthly quote. For example, for a 40-year-old male looking for $500,000 of life insurance coverage for 20 years, we were quoted $36 a month. Overall, this is a very competitive quote in today’s marketplace. We were happy with this amount and chose to proceed with the quote.

At this point, we had to complete a more detailed questionnaire, answering questions about our personal history, medical background, and lifestyle. This took less than 10 minutes to complete, and having all questions online was very convenient. We completed and submitted this, at which point it was sent to the underwriters for approval. Bestow’s in-house underwriting team took less than a day to review and approve our application. On approval from the underwriting team, coverage starts immediately.

The whole application process was as quick and easy, arguably one of the swiftest on the market. As a user, we recommend that you look into Bestow if you are in the market for life insurance.

Online Application Yes
Credit Card Payments Yes
Policy Delivery Method Yes
Online Policy Management Yes

State Availability

Available in all states

Privacy & Security

Bestow has an excellent online reputation. Aside from holding an A+ rating with AM Best (financial stability rating) and an A from the Better Business Bureau, Bestow has a sterling reputation online. It has an unusually high percentage of positive customer feedback from online reviewers, and most complaints have been settled adequately.

Additionally, Bestow stores all sensitive information on secure servers located in restricted-access facilities. Therefore, your personal and financial data is safe.

Customer Support

Bestow has a very active, engaged, and responsive customer support team that you can contact in multiple ways. These include email, phone, and live chat.

We had some questions on age eligibility for Bestow life insurance, so we reached the support team using the live chat function. Before we started chatting, we had to enter our name, email, phone number, and subject matter. We had a response almost instantly, and the customer support agent went out of their way to ensure we were satisfied with our customer experience. It was a very positive customer interaction, which isn’t always the case when dealing with life insurance companies.

In Conclusion

Ultimately, if you are looking for life insurance that offers basic coverage and is easy and quick to obtain, you should check out Bestow’s life insurance policies. The application is completely online and there is no medical exam required. It must be noted that Bestow only offers fixed term life insurance, so if you are looking for permanent life insurance, Bestow may not be the company for you.


What is the maximum coverage provided by Bestow?
Bestow life insurance coverage amounts are provided up to $1.5m.
Does Bestow offer permanent life insurance?
Unfortunately, Bestow only offers term life insurance.
Do I need a medical exam to take out Bestow life insurance?
No, a medical exam is not required. Bestow will ask you questions about your medical history and lifestyle instead.

Bestow Disclaimer

Life insurance quotes are provided by Bestow Agency LLC dba Bestow Insurance Services in CA, which is the licensed agent. Term Life Insurance Policies offered by Bestow are issued on policy form LS181 and LS182, or state version including all applicable endorsements and riders, by North American Company for Life and Health Insurance®, West Des Moines, IA.
Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. North American is rated A+ (Superior) by A.M. Best. A+ (Superior), the second highest rating out of 15 categories, was affirmed by A.M. Best for North American Company for Life and Health Insurance as part of Sammons Financial Group on July 29, 2022.
A.M. Best is a large third-party independent reporting and rating company that rates an insurance company based on its financial strength, operating performance, and ability to meet its ongoing obligations to policyholders. Our application asks about your lifestyle and health to determine eligibility to avoid requiring a medical exam.


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Lauren Le-Hair

As an experienced content writer, Lauren’s passion for the finance sector is only exceeded by her love of writing. Lauren specializes in the financial industry, drawing on her knowledge and experience to deliver top-quality, specialized content with an expert tone of voice and a unique flair. She also holds a First Class (Hons) Batchelor’s degree from Staffordshire University.