🛡️ Bestow Life Insurance – A Modern Option for Digital-First Americans
Bestow has quickly become one of the leading fully online life insurance platforms in the U.S. Focused on ease of access and modern technology, Bestow allows Americans to get affordable term life insurance – with no medical exams – in just minutes.
Founded in 2016 and backed by North American Company for Life and Health Insurance®, Bestow combines technology and trust, making life insurance more accessible for millions of Americans.
💻 What Makes Bestow Different?
Unlike traditional insurers with long applications and in-person processes, Bestow is 100% online:
✅ No medical exams or lab work – just answer health questions online
✅ Instant quotes – you’ll see your rate immediately
✅ Same-day coverage – in many cases, you’re covered in less than 15 minutes
✅ Licensed in all 50 U.S. states
✅ Backed by a major insurer – policies issued by North American Company for Life and Health Insurance®, rated A+ (Superior) by AM Best
📋 Types of Life Insurance Offered
Currently, Bestow focuses exclusively on Term Life Insurance – no permanent life, whole life, or complicated investment-linked products. Their term life policies are:
- Available in terms of 10, 15, 20, 25, or 30 years
- Coverage amounts range from $50,000 to $1.5 million
- No riders or add-ons – the process is simplified
- Designed for healthy applicants between ages 18–60
🎯 Why Choose Bestow?
Many Americans today prefer Bestow because it offers a modern, fast, and user-friendly approach to buying life insurance – without the traditional hurdles. Here’s what makes Bestow stand out:
🚀 Lightning-Fast Coverage
With Bestow, you can complete the entire application process – from quote to coverage – in just 10 to 15 minutes using your phone, tablet, or computer. There’s no need for time-consuming meetings or endless paperwork. It’s designed for busy people who want protection without delay.
🩺 No Medical Exams
One of Bestow’s biggest draws is that you won’t need to schedule medical exams, blood tests, or nurse visits. The company uses advanced data analytics to assess your risk – so it’s needle-free, stress-free, and hassle-free. This makes the process especially convenient for those who dislike medical tests or simply want a quicker path to coverage.
💰 Affordable Rates
For many younger applicants, Bestow’s term life insurance policies are extremely affordable. Rates start as low as $11–$14 per month for healthy non-smokers in their 20s – making it one of the most cost-effective ways to secure financial protection for your family.
🏆 Trusted Underwriting
Even though Bestow operates online, you’re getting a policy backed by real strength. All policies are underwritten by North American Company for Life and Health Insurance®, a trusted carrier that’s been serving American families since 1886. You can have full confidence in the stability and reliability of your coverage.
🕹️ Full Online Policy Management
Bestow makes it easy to manage your life insurance policy entirely online. Whether you want to update beneficiaries, download documents, or review your coverage – you can do it anytime, 24/7, without needing to contact an agent or schedule appointments.
🌎 Eco-Friendly and Paperless
Bestow’s entire process is 100% digital and paperless, helping reduce environmental impact. It’s a great choice for those who value convenience and also want to support eco-friendly business practices.
👉 In short, Bestow combines speed, simplicity, affordability, and trust – which is why so many Americans in their 20s, 30s, 40s, and even early 50s are now turning to this modern online life insurance provider.
💵 Typical Monthly Premiums in 2025
For a healthy non-smoking applicant applying for $500,000 of 20-year term life insurance with Bestow, here’s what typical monthly premiums look like:
- Age 25: $13–$16 per month
- Age 35: $17–$21 per month
- Age 45: $35–$40 per month
- Age 55: $90–$110 per month
- Age 60: $150–$180 per month
👉 Keep in mind: Actual rates depend on your personal health, medical history, and lifestyle – but many applicants find that Bestow offers some of the most affordable online term life insurance rates in the U.S.
👉 Keep in mind: Premiums depend on your health and lifestyle, but for many Americans, Bestow offers some of the lowest term life rates available online.
How Bestow Works: Modern Digital Underwriting Process
Bestow uses a fully online, data-driven underwriting process that eliminates the need for traditional medical exams. Instead, applicants answer health questions online, and advanced algorithms analyze these answers alongside third-party data sources such as prescription and motor vehicle records. This technology enables near-instant decisions, usually within minutes, providing fast access to term life insurance without lab tests or nurse visits.
This digital underwriting maintains regulatory compliance across all 50 states while offering a transparent, consistent, and efficient path to coverage. By leveraging technology, Bestow reduces administrative costs and delivers a smooth customer experience.
Financial Strength and Trust
Bestow’s policies are underwritten by the North American Company for Life and Health Insurance® and Munich Re, both rated A+ (Superior) by AM Best. This Indicates strong financial stability and excellent claims-paying ability, giving customers confidence that their coverage is secure and reliable.
Although Bestow operates digitally, its insurance protection is backed by well-established insurers with a long history of serving American families, blending innovation with trusted financial strength.
Detailed Pricing and Affordability Analysis
Bestow maintains affordable premiums by automating underwriting and minimizing overhead. For healthy non-smokers in their 20s applying for $500,000 in coverage over 20 years, monthly rates start around $11-$14. Premiums increase with age, coverage amount, and health risk factors.
Their straightforward pricing model eliminates hidden fees and complex rider costs, providing transparent and often lower prices compared to traditional insurers. Applicants with serious health issues may be directed to other carriers that offer more comprehensive underwriting.
Frequently Asked Questions (FAQs)
- What coverage amounts can I purchase?
Coverage ranges from $50,000 up to $1.5 million in term life insurance. - Is a medical exam required?
No, Bestow requires no medical exam; underwriting relies on health questions and data analysis. - Can I convert my term life to permanent life insurance?
No, Bestow currently offers only term life policies with no conversion option. - Who is eligible?
Applicants must be between 18 and 60 years old, generally healthy, and U.S. residents or citizens. - How soon can coverage begin?
Many policies are approved instantly with coverage effective the same day, often within 10-15 minutes.
Policy Use Cases with Scenarios
- Young Families: Newlyweds use Bestow to secure financial protection for their future children quickly and simply.
- College Graduates: Recent grads lock in affordable rates early as they start careers.
- Self-Employed Professionals: Entrepreneurs appreciate the entirely online process that fits hectic schedules.
- Applicants Avoiding Medical Exams: Those reluctant to undergo medical tests benefit from Bestow’s painless, exam-free underwriting.
- Mid-Life Coverage Planners: Individuals in their 40s and 50s use Bestow for mortgage protection or income replacement with competitive pricing and fast policy access.
📊 Pros and Cons of Bestow
✅ Pros:
- No medical exam required
- Lightning-fast process
- Affordable premiums
- Strong financial backing
- Available in all states
- Full transparency — no hidden fees
❌ Cons:
- No permanent life insurance
- No optional riders
- Only available to applicants aged 18–60
- Not ideal for people with major health issues
🗽 Who Is Bestow For?
Bestow is perfect for:
🏡 Young families – protecting your loved ones quickly and affordably
🎓 Students & grads – locking in low rates at a young age
💼 Self-employed professionals – simple coverage without complex paperwork
💍 Newlyweds – ensuring a financial safety net for your spouse
🏖️ People who dislike medical exams – skip the hassle of scheduling labs
📱 Tech-savvy Americans – apply, buy, and manage your policy online
🏢 Company Info & Contacts
- Company: Bestow Inc.
- Backed by: North American Company for Life and Health Insurance®
- Year founded: 2016
- Headquarters: Dallas, TX, USA
- Website: https://www.bestow.com
- Customer Service:
Phone: +1 (833) 300-0603
Email: help@bestow.com - Hours: Monday–Friday 8 a.m.–6 p.m. (CST)
💬 What Are People Saying About Bestow Life Insurance?
Bestow is widely praised for its 100% online experience, speed of approval, and simplified underwriting — but it may not be the best fit for those seeking complex coverage or high face amounts.
⭐ “Super easy and fast”
“I got approved for a $500K term life policy in under 10 minutes — no medical exam, no hassle.”
— Amanda L., Denver, CO
⭐ “Perfect for millennials”
“Everything was done online. As someone who hates paperwork and agents, this was ideal.”
— Tyler M., Austin, TX
⚠️ “Limited policy types”
“Only term life is available. I was hoping for a whole life option too.”
— Gina R., Columbus, OH
⭐ “Great customer support”
“Had a quick question about my policy, and the rep responded by email within hours. Very impressed.”
— David C., Seattle, WA
⚠️ “Not for high coverage needs”
“If you need over $1.5M in coverage or have health conditions, they’ll redirect you elsewhere.”
— Rachel T., Philadelphia, PA
📝 Overall Rating from Customers
⭐ 4.4 out of 5 (Average across online-focused insurance review platforms)
👍 Highlights:
- No medical exam required (for most applicants)
- Entire process completed online
- Fast approval (often same day)
- Backed by North American Company for Life and Health Insurance (A+ AM Best rating)
👎 Drawbacks:
- Only term life policies available
- No customization for riders or permanent coverage
- Not ideal for those with complex health histories
🏁 Bottom Line
Bestow is one of the most innovative term life insurance platforms in the U.S., offering simplicity, affordability, and speed. It’s a perfect option for Americans aged 18–60 who want to protect their family without medical exams or complicated applications.
If you want to skip the paperwork and get covered fast – Bestow is one of the top online choices today.
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