Bestow life insurance reviews in 2021: Is this a legit company?

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All life insurance companies start to look alike, and in a lot of ways they are. Bestow stands out in that it is a tech startup that is also backed by a legacy life insurance carrier and has grown in to a $500 million business. Bestow also stands out for its smaller policies that make life insurance affordable for pretty much anyone — as well as the no-medical exam promise that is attractive to many.

Bestow has some of the lowest rates in the industry, with premiums starting at $10 / month and coverage up to $1.5 million. Get a quote in 5 minutes from Bestow now >>

Is Bestow legit?

Bestow was founded in 2016, and policies are issued by North American Company for Life and Health Insurance, a carrier rated A+ (Superior) by A.M. Best that was founded in 1886. It also has an A+ from the Better Business Bureau, which accredited the insurer in 2017.

More on Bestow:

Bestow stands out in 3 important ways:

No life insurance medical exam ever.

Say what? I said to their product team. Yes, indeed. Bestow guarantees no medical exam, no doctor visit, or blood test. Too busy for that nonsense? No problem.

Very, very affordable life insurance.

Prices start at $10 per month, for a $50,000, 10-year policy for a healthy 30-year-old non-smoker. Get a term life insurance quote now from Bestow.

Short-term, flexible policies… if you’re not ready to commit but want to get covered today

Plans start at 2-years (which doesn’t prohibit you from applying for another longer-term policy at a later date), as well as larger 10- and 20-year plans.

Career-level work-at home jobs that are great for moms

Bestow’s downside:

If you prefer to work with a life insurance agent that lives in your town, who can visit your home or who has an office that you can walk into, Bestow won't work for you.

Bestow’s customer reviews

Some reviewers complain they were rejected because of their medical history. Bestow is able to weed out clients who would otherwise require a medical or lab exam, so that only younger and healthier applicants are accepted — and the no-medical-exam promise then holds true.

How much does life insurance from Bestow cost?

Some sample term life insurance quotes from Bestow for healthy, 30-year-old non-smokers: 10, 15, 20, 25 and 30-year products with $50k to $1.5 million of coverage available, starting at $10/month.

This sort of pricing and terms are excellent for moms who may be in all kinds of transitions:

  • Going through a divorce or breakup
  • Leaving a job
  • Starting a business
  • Between jobs
  • Relocating
  • Kids aging out of the house — you may actually only need life insurance for a few more years

Sound too good to be true? See for yourself and get a free quote in minutes

Learn more about life insurance for single moms, and other companies that compete with Bestow

Bestow BBB rating and review

Bestow has an A+ rating with the Better Business Bureau, where it has been accredited since 2017:

bestow insurance bbb

Bestow’s review on Trustpilot

Bestow has a 4.8-star average review based on nearly 600 TrustPilot ratings:

bestow trust pilot review

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How to get a term life insurance quote online from Bestow

The whole process of applying for and getting life insurance takes less than 20 minutes.

Luckily, there are plenty of quick and easy ways you can get about a hundred different insurance quotes in a matter of minutes.

Bestow’s life insurance stands out from other life insurance companies in several ways that make it especially appealing to single moms.

Bestow guarantees no medical exam, and prices start at less than $10/month, for a $50,000, 10-year policy. Get a term life insurance quote now from Bestow.

What is the life insurance application process for Bestow?

  1. Apply online here.
  2. Choose a plan.
    • 10, 20 and 30 years.
    • Coverage from $50,000 to $1 million
  3. If you’re approved, pay with credit card.
  4. Sleep great.

No sales calls. No life insurance medical exam. No one visiting your home or work.

Bestow has an A+ Better Business Bureau rating, and a 4.5 out of 5 stars on TrustPilot. Apply for Bestow now >>

Who qualifies for one of these term life insurance plans?

Bestow requires you be:

  • A U.S. citizen and resident and green card holders
  • Employed, full-time stay-at-home parent, or student
  • Generally healthy
  • Between the ages of 21-45 for 20-year term life

Bestow life insurance will not cover you if you have one of the following health conditions: heart disease, stroke, cancer (except basal and squamous cell skin cancer), organ transplant, diabetes before 40 (except gestational diabetes), alcohol and drug abuse, HIV, or kidney disease requiring dialysis, as well as other health issues. Check with Bestow to see if you are eligible by obtaining a free life insurance quote online now.

Bottom line: Our review of Bestow

We examined the coverage, price, ease of application, rating, user reviews and other factors in making our recommendation of Bestow, which beat out these other life insurance companies in our process:

  • Haven Life
  • Ladder
  • Ethos
  • Sprout
  • Lemonade
  • Policy Genius

One of the great benefits of Bestow is it is fast and easy to get a quote, so you can alwasy shop around with its competitors to see if you may qualify for a better deal.

Get a free Bestow life insurance quote online now >>

Learn about cheap renter's insurance, as well as disability insurance.

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Is Bestow legit?

Yes. Bestow was founded in 2016, and policies are issued by North American Company for Life and Health Insurance, a carrier rated A+ (Superior) by A.M. Best that was founded in 1886. It also has an A+ from the Better Business Bureau, which accredited the insurer in 2017.

How much does life insurance from Bestow cost?

Some sample term life insurance quotes from Bestow for healthy, 30-year-old non-smokers: 10, 15, 20, 25 and 30-year products with $50k to $1.5 million of coverage available, starting at $10/month.

Wealthysinglemommy.com founder Emma Johnson is an award-winning business journalist, activist, author and expert. A former Associated Press reporter and MSN Money columnist, Emma has appeared on CNBC, New York Times, Wall Street Journal, NPR, TIME, The Doctors, Elle, O, The Oprah Magazine. Winner of Parents magazine’s “Best of the Web” and a New York Observer “Most Eligible New Yorker," her #1 bestseller, The Kickass Single Mom (Penguin), was a New York Post Must Read. As an expert on divorce and gender, Emma presented at the United Nations Summit for Gender Equality and multiple state legislature hearings. More about Emma's credentials.

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