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Bestow reviews in 2022: Is this a legit company for life insurance?

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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. Bestow also stands out for its smaller policies that make life insurance affordable — 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 minutes from Bestow now >>

Is Bestow a legitimate company? Who is Bestow backed by?

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. Bestow also has an A+ from the Better Business Bureau, which accredited the insurer in 2017.

More on Bestow:

How much does life insurance cost when you purchase from Bestow?

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 term life insurance quote in minutes

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

Why use Bestow? Who will benefit most?

Bestow is a great fit for people aged 18 to 60 who need low-cost life insurance and appreciate an easy, fast application process and flexible policy.

What Bestow life insurance policies are available?

Bestow only offers term life insurance policies in 10, 15, 20, 25 and 30-year terms in coverage ranging from $50,000 to $1.5 million.

Does Bestow offer riders?

Bestow does not offer riders at this time.

Our Bestow review: How Bestow stands out in 3 important ways

1. Bestow promises 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.

2. Bestow offers 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.

3. Immediate coverage

Get approved right away if you qualify for Bestow, and you can get covered as soon as today.

Our review of Bestow’s downsides:

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.

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.

Despite these downsides, we rated Bestow 9.8 out of 10 because they have made it so easy to get affordable, quality term life insurance.

Bestow BBB rating and reviews from customers

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

Better Business Bureau review of life insurer Bestow.com.

Bestow’s review on Trustpilot

Bestow has a 4.6-star average review based on more than 800 TrustPilot ratings:

Trustpilot reviews of life insurance company Bestow.com.

Who qualifies for one of Bestow’s term life insurance plans?

Bestow requires you be:

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

Bestow 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.

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.

Ready to apply for insurance?

  1. Apply online for Bestow here.
  2. Choose a plan.
    • 10, 15 20, 25 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 or lab exam. No one visiting your home or work.

FAQs about Bestow

What makes Bestow different from other insurance companies?

The in-house underwriting, guarantee of no medical exam, 30-day money-back guarantee and low monthly premiums set Bestow apart from its competitors.

Also, Bestow is not a new startup, but policies issued by North American Company for Life and Health Insurance, a carrier rated A+ (Superior) by A.M. Best that was founded in 1886.

Apply for Bestow now >>

What is Bestow’s Accelerated Underwriting?

Bestow underwrites its policies in-house, using its own algorithm, making the process very fast and the decision instant.

Does Bestow life insurance have a waiting period?

It takes 10 minutes to get a decision from Bestow. You can get coverage within the same day.

Does Bestow offer coverage for accidental death?

Yes, some policies include an accidental death benefit rider, which pays an additional amount to the beneficiary in the event of a death due to accident only.

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 disability insurance.

What you need to know about insurance in divorce


Disclosure: Life insurance quotes provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life Insurance Policies offered by Bestow are issued on policy form LS181 and LS182, or state version including all applicable endorsements and riders, by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. North American is rated A+ (Superior) by A.M. Best. A+ (Superior), the second highest rating out of 15 categories, was affirmed by A.M. Best for North American Company for Life and Health Insurance as part of Sammons Financial Group on July 30, 2021. A.M. Best is a large third party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligations to policyholders. Our application asks about your lifestyle and health to determine eligibility in order to avoid requiring a medical exam.

Is Bestow a legitimate company?

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.

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.

What life insurance policies are available from Bestow?

Bestow only offers term life insurance policies in 10, 15, 20, 25 and 30-year terms in coverage ranging from $50,000 to $1.5 million.

What makes Bestow different from other insurance companies?

The in-house underwriting, guarantee of no medical exam, 30-day money-back guarantee and low monthly premiums set Bestow apart from its competitors.

What is Bestow’s Accelerated Underwriting?

Bestow underwrites its policies in-house, using its own algorithm, making the process very fast.

Does Bestow life insurance have a waiting period?

It takes 10 minutes to get approved by Bestow. You can get coverage within the same day.

Does Bestow cover accidental death?

Yes, accidental death is covered by Bestow life insurance.

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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