Bestow Life Insurance Review [2021]

Bestow Life Insurance is a recent InsurTech start-up that was founded in 2016. Bestow life insurance is available in 10 or 20-year terms with coverage amounts from $50,000 to $1,000,000. The Bestow life insurance application is fast and 100% online with no medical exam required. Bestow life insurance reviews are still limited but do show room for improvement at first glance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 6, 2021

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Quick Facts

  • Bestow life insurance provides term life insurance policies with a 100% online application
  • Bestow was founded in 2016 and is partnered with North American Company for Life and Health Insurance
  • Bestow life insurance has few policy options and no life insurance riders


Shopping for Bestow life insurance might come with some concerns. Bestow Inc is a new life insurance company that specializes in providing term life insurance quotes.

In this Bestow life insurance review, we’ll cover the Bestow life insurance options, Bestow life insurance rates, and how to get life insurance from Bestow.

Companies like Bestow make buying life insurance easy. Ready to start shopping for life insurance? Take advantage of our FREE quote tool above to get instant rates from top life insurance companies today. 

What is Bestow?

Founded in 2016, Bestow is a digital life insurance provider that supplies the majority of the United States. They offer life insurance policies through the North American Company for Life and Health Insurance.

Bestow life insurance could be an innovative life insurance company that changes the life insurance landscape. They offer online life insurance policies to promote quick and effortless life insurance options. We’ll help you learn more about Bestow throughout this review.

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Is Bestow life insurance trustworthy?

Bestow life insurance might be new, but there you can find Bestow life insurance reviews and ratings to get a better idea of how the company is doing.

Bestow Inc is already growing as they recently purchased Centurion Life Insurance Company, according to S&P. Bestow continues to transition from an insurance technology company to a true life insurance provider. 

The Bestow ratings might be a little hard to find since they are a new company and they act as a third-party life insurance provider. Below, we highlight the ratings for North American Company for Life and Health Insurance.

  • A.M. Best: A+ (Superior)
  • S&P: A+ (Strong)
  • Fitch: A+ (High Credit Quality)

Since Bestow life insurance policies are supplied by North American Company for Life and Health Insurance, these ratings should be sufficient to get a better understanding of your financial security with their life insurance policies. 

What do Bestow life insurance reviews say?

Bestow Inc is still a new company, so you won’t find ample Bestow life insurance reviews. It’s still important to be sure you like your life insurance provider. Is Bestow a good company? 

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Bestow Inc does hold an A+ Better Business Bureau accreditation. According to the Better Business Bureau, Bestow currently holds a 1.75 out of 5.0 average for customer satisfaction. Of these reviews, complaints were about products and services.

Two of the four complaints were about life insurance refunds during the coronavirus pandemic and about life insurance denials due to an unhealthy body mass index (BMI). Bestow did promptly respond to the complaints via BBB.

There aren’t currently any Bestow complaints via ConsumerAffairs. We anticipate that more Bestow reviews and ratings will become available as the company continues to operate. 

What Bestow life insurance policies are available?

Bestow Inc offers term life insurance policies that are affordable and easy to get. Bestow life insurance policies can be purchased online in just a few minutes.

Since Bestow life insurance policies are offered online, they are considered no medical exam term life insurance policies. These policies are often offered quickly but at a higher expense.

A no exam life insurance policy is convenient because you won’t be tasked with going to the doctor to get a physical. The life insurance provider takes your word, along with some basic information like height and weight, and can provide you a policy based on that information.

Recall that Bestow life insurance premiums will depend on things like age, gender, health, occupation, and more. To get the best Bestow life insurance rates, you’d need to be young and healthy.

Without medical exams, Bestow will rely on your body mass index and other lifestyle details such as smoking and drinking frequency. If you lie on your application, you might have to forfeit all or some of your death benefit.

What kind of coverage does Bestow offer?

What type of life insurance can you purchase using Bestow? Sadly, Bestow currently only offers term life insurance. Bestow term life insurance options include 10 and 20-year terms.

Bestow provides death benefits from $50,000 to $1,000,000. The rates you pay will depend on your term length and the coverage amount, amongst other things. 

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You might be disappointed to find that there aren’t any Bestow life insurance riders. This means that there will be less flexibility when it comes to making policy adjustments in the future. 

What happens if you live past your term life insurance? With Bestow, you’ll need to re-apply for life insurance, typically at a higher rate than what you paid before.

Some life insurance companies provide riders that will either allow you to extend your term, get a partial refund, or convert your policy so you didn’t waste your money for that entire term. 

How much does Bestow life insurance cost?

As mentioned above, Bestow life insurance prices will depend on your health, coverage amount, term length, and more. They also have restrictions that might limit you to a 10-year term.

For example, if you are 45 years or older, you are only eligible for a 10-year life insurance term from Bestow. There are many factors that can affect whether or not you’re eligible for affordable Bestow life insurance rates.

How much does Bestow cost? Well, we can’t guarantee anything based on the variables. Below is a sample of rates from their parent company that completes the Bestow life insurance underwriting. 

Bestow Term Life Insurance Rates
Sample Bestow Life Insurance Rates
Age $250,000: 10-Year Term$250,000: 20-Year Term$500,000: 10-Year Term$500,000: 20-Year Term
30$10.78$14.30$13.64$22.44
40$13.64$20.02$18.48$33.44
50$25.74$43.56$42.24$79.20
60$62.48$115.06$113.08$218.68
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It’s hard to predict life insurance rates. Before you start shopping you’ll want to figure out how much coverage you need. A life insurance calculator can help you get on track. 

What are the pros and cons of Bestow life insurance?

Bestow has its advantages and disadvantages, like any insurance company. Between growing concerns behind COVID and general convenience, the biggest appeal to Bestow is their 100% online application.

Not sure how to apply for Bestow life insurance quotes? Their website has everything you’ll need to start and finish your application in just a few minutes. The Bestow overview below will simplify the good and the bad.

Pros of Bestow life insurance

  • Fast and easy application process
  • Affordable rates
  • Strong financial ratings

Cons of Bestow life insurance

  • Few policy options
  • No life insurance riders
  • Short company history

Not everyone has the same life insurance needs. If you want basic coverage and don’t foresee any changes in the future for your life insurance, Bestow might be a good life insurance company for you.

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Bestow Life Insurance: The Bottom Line

Bestow life insurance is built on a great concept. Nobody wants to spend all day shopping for life insurance. It’s fast and easy to buy Bestow life insurance.

It never hurts to compare rates from top life insurance companies. Ready to see if you can beat the Bestow life insurance rates? Compare personalized quotes in just a few clicks using our FREE quote tool below. 

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