Bestow Logo



star star star star star_half
13 User Reviews


Overall Score

LAST UPDATED: May 6th, 2021

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


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.

Visit Site


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

13 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:

We couldn't find any matches for your request. Click here to try again.

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information