Bestow Logo


star star star star star_half


Overall Score

LAST UPDATED: September 18th, 2023

Bestow is a life insurance agency startup created to offer life insurance policies to help with financial protection after the loss of a loved one.

Bestow specializes in term life insurance coverage with terms of ten, and twenty years. Bestow partners with top life insurers with high financial strength ratings to ensure that its clients claims can be met. Its online quote and application process is simple, quick, and data-encrypted. This makes applying and buying life insurance convenient and dependable for shoppers.

Bestow offers a good product and service for individuals interested in purchasing a term life insurance policy.

Read Bestow Reviews

Top Ranked Companies


The Good

  • Good Term Length Options
  • Simple Application Process
  • Trustworthy Professionals

Good Term Length Options

Bestow offers two term length options: ten and twenty years. The monthly premiums start from $16.

The maximum coverage available with the term policy it offers is one million dollars. If you want a higher coverage amount, you'll need to consider another company.

These term lengths offer good life insurance options if you're interested in a term insurance policy. The term policy offers exceptional value at good prices and can be canceled at anytime.

Simple Application Process

It's quick to get a quote on a term life insurance policy offered by Bestow by inputting your age, weight, height, and location online. After you see the quote, you can decide to continue with the application process.

Comparing quotes among term lengths and considering the benefits offered by the insurance coverage can help you find an affordable plan.

The application process includes underwriting. Underwriting is how insurers assess risk and determine the rate at which they're willing to provide insurance. Depending on how underwriting goes, your final monthly premium rate may be different from the initial quote.

The process is fast and convenient for applicants, especially compared to some companies in the life insurance industry. It does not require a medical exam for the underwriting process.

Instead, the agency uses the health information from your application to complete the medical underwriting. Bestow puts the information provided in an algorithm to determine premium costs for the insurance policy term length and death benefit coverage requested.

The online application process is also secure and the data you input is encrypted, which helps protect your information from being stolen as you apply for a life insurance policy online.

Review Icon

Customer Review: Zhenzi W. from Plano, Texas

"The application took me about 6 minutes, it was straightforward, and I got $1M of coverage for about $20 a month."

Trustworthy Professionals

Policies issued by Bestow are underwritten by North American Company for Life and Health Insurance®. This insurer has earned high financial strength ratings. These high ratings indicate that the insurance company is financially stable and likely able to meet its claims obligations. You can confidently work with Bestow because it will offer you an insurance policy from a dependable life insurance company.

Bestow also offers its clients access to customer support and licensed insurance agents. This service allows clients to have their questions answered well and receive good advice. Bestow's customer support team are not paid on commission.


The Bad

  • Limited Coverage Options

Limited Coverage Options

While Bestow is a great resource for buying term life insurance, that is currently the only type of insurance policy it offers. Those searching for permanent life insurance coverage, like universal life or whole life insurance, will need to look at other insurance carriers with a broader range of life insurance products.

However, if you're interested in a term policy, Bestow is an excellent choice because it specializes in term life insurance policies. Term life insurance policies also typically offer more affordable coverage than permanent life insurance policies.


The Bottom Line

While people interested in a whole or universal life policy will need to purchase life insurance from another insurance provider, Bestow is a good agency for people interested in term insurance coverage.

Bestow allows you to see online life insurance quote estimates for term lengths of ten and twenty years. Its policies are provided by a top life insurance provider. A high financial strength rating offers clients confidence that claims will be met by the insurance company.

Its customer support professionals are not paid on commission, so there is no sales pressure when clients call in with questions.

If you’re looking for a term life policy with a simple underwriting and application process, Bestow is a great option.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating



star star star star star_half

14 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star star


star star star star star


star star star star star


star star star star star

Filter by:


Sort by:

star star star star star

J Y Argyle, TX

I first heard about Bestow when they popped up on StrictlyVC, a newsletter that follows the hottest startups around the world. This company sold life insurance that was easy to pick and purchase. I got $500K in coverage in minutes and pay very low prices given my excellent health. I was very pleased with the entire process and would recommend them to anyone!

4 years ago

star star star star star

Johnnie Jackson Heiskell, TN

My experience with bestow was a good experience I got online fill out an application customer service called me right away no Health screenings no runarounds everybody else that I got online price life insurance was 10000 20000 or $200,407 a month besto I got $500,000 for $55 a month no questions asked wonderful people best people to deal with on life insurance so if you need life insurance call besto

4 years ago

star star star star star

Brennan Wallace Summerville, SC

I checked several different companies online for term life insurance rates and Bestow was competitive. Their application process was quick and easy as was the approval process; the whole thing took about 15 minutes. I didn’t want the hassle of phone calls with sales reps; Bestow’s online process is simple and doesn’t require sales calls

4 years ago

star star star star star

Radonna Victoria, TX

I had a wonderful experience getting life insurance. The website was easy to use and I got an immediate response without any follow up ‘consulting/sales’ from the staff! Highly recommend.

4 years ago

star star star star star

Julie Dallas, TX

I’m a stay at home mom and this was perfect. Got my policy while the kids were sleeping and it only took a few minutes. Definitely provides peace of mind!

4 years ago

star star star star star

Zhenzi W. Plano, TX

The application took me about 6 minutes, it was straightforward, and I got $1M of coverage for about $20 a month.

4 years ago

star star star star star

RJ Los Angeles, CA

The easiest experience I’ve ever had while searching for and buying life insurance. It was literally a breeze.

4 years ago

star star star star star

Mike Fort Thomas, KY

Super fast, super easy. I wouldn't have finished it if it took awhile so it was nice that it was so efficient.

4 years ago

star star star star star

Liberty Hangca-Barros Snoqualmie, WA

Easy and affordable I like that. I'm so very busy that it worked into my schedule.

4 years ago

star star star star star

Grant Grand Prairie, TX

Was quick and easy to get life insurance. All done online, no medical exam, comparable rates.

4 years ago

star star star star star

Warren New Roads, LA

Quick & easy No physical exam needed Much better pricing & amount of coverage than State Farm

4 years ago

star star star star star

Shannon Austin, TX

Could not have been easier- checked it off my to-do list in 5 minutes.

4 years ago


Review Source

star star star star star

Mervin Raggs Haines City, FL

Easy to apply and was accepted, reasonable terms and pricing

2 years ago

star star_border star_border star_border star_border

Omar C Shreveport, LA

For healthy people. People with little health problems look elsewhere.

4 years ago