Bestow

Bestow is a technology-driven term life insurance provider that has eliminated the traditional underwriting process entirely. Unlike most insurers that still require a paramedical exam for some applicants, Bestow uses a fully automated algorithm to approve policies based on publicly available data — prescription history, driving records, and basic health questions. The entire application takes less than 10 minutes, and approved coverage begins immediately with no waiting period. Bestow policies are underwritten by North American Company for Life and Health Insurance, an A-rated carrier with over a century of operating history. The Bestow product line is deliberately simple. There are two term options: Bestow Term Life (10 or 15-year terms) and Bestow Term Life Plus (20, 25, or 30-year terms). Coverage ranges from $50,000 to $1,500,000, and the pricing algorithm favors younger, healthier applicants. A 30-year-old non-smoker in good health can expect rates starting around $14 per month for a 20-year $250,000 policy. All policies feature level premiums for the full term, and the platform offers automatic payment scheduling, digital beneficiary management, and secure document storage. The trade-offs are clear and transparent. Bestow does not offer any riders — no accidental death benefit, no critical illness coverage, no waiver of premium. You cannot convert a Bestow term policy to a permanent life insurance product. There is also no phone support; all customer service is handled through email and in-app chat. For applicants who want a simple, affordable term policy with no medical hassle and are comfortable managing the policy digitally, these limitations are acceptable trade-offs. For those who want conversion options, riders, or human support, Haven Life or Ladder Life are better alternatives.

Reviewed by Finatune · Last updated 2026-10-23