There’s rarely an instance when someone doesn’t need life insurance, yet more than 40 percent of people go without it. Bestow wants to change that by simplifying the process of buying life insurance.

At Bestow, you can get a policy online in just a few minutes with no medical exams or in-person interviews. Plus, term life insurance policies start at just $3/month.

Yep, you read that right – $3/month!

If you’re thinking of buying life insurance to protect your family, Bestow can help. In fact, you don’t even have to share your name or email address to get a quote.

Sound good? Let’s take a closer look at what Bestow is all about!

Life Insurance Starting at $3/Month – Need a great term life insurance policy? Don’t want to deal with an in-person interview or medical exam? At Bestow, you’ll find term life insurance policies starting at just $3/month! Get a free quote.

Bestow Life Insurance at a GlanceBestow Logo

  • Policies start at $3 per month
  • No in-person interviews
  • No medical exam
  • Term policies available for 2, 10, and 20 years
  • Available for people aged 21 to 54
  • Get a quote without sharing your contact information
  • Affordable term life insurance coverage

What Is Bestow?

Bestow is a company that offers instant term life insurance policies online (if approved). It launched in 2016 with the intention of making life insurance more accessible to the average person. Instead stretching the process out over a few days to several weeks, Bestow can get you a life insurance policy in a few minutes.

The company is licensed as an agent and issues policies through North American Company for Life and Health Insurance® – which happens to have an A+ rating by A.M. Best. Using algorithms and data about your lifestyle and health, you can get a life insurance quote and buy a policy without a medical exam.

How Bestow Works

Getting life insurance without needing an in-person interview might surprise you, but it’s true. Bestow doesn’t require a medical exam – ever.

Unlike most traditional life insurance companies, Bestow is 100 percent online.

If you’ve ever tried to get a life insurance quote, you know how frustrating it can be. One of the first things companies usually ask for is your contact information. But what if you’re just curious how much a policy would cost? Surely you don’t want insurance companies blowing up your phone or email inbox begging you to buy a policy from them.

That’s one of the great things about Bestow. The platform doesn’t ask for your name, email, phone, address, or any other contact information to get a quote. I think it may be the only company that doesn’t ask for that information upfront.

You will be asked about your lifestyle and health. This can include questions about your height and weight, your use of tobacco or participation in extreme hobbies, and your medical history.

Your data is sent through a process that the company calls “accelerated underwriting.” It’s accelerated because it skips the sales calls and initial interview, instead relying on data and technology.

Bestow uses data vendors to verify your identity, check your medication history, and pull your motor vehicle reports and financial information. Of course, Bestow does nothing without your approval and will ask you to approve this step before it dives into your personal history.

The accelerated underwriting fast-tracks the process of getting life insurance. It only takes a few minutes from the time you start your application to find out what a policy might cost you.

No Medical Exam, No In-Person Interview – Offering policies starting at $3/month, Bestow offers term life insurance for every budget. Heck, that’s less than the cost of a cup of coffee! Get your online quote here.

Bestow Review: Life Insurance Solutions

Because Bestow takes a simplified approach to life insurance, it doesn’t have a huge selection of policies to pick from.

While online life insurance sites might offer 30-year term policies or permanent life insurance, Bestow has two-year, 10-year, and 20-year coverage. Your benefit amount can vary between $50,000 and $1 million, and your monthly premium is fixed throughout your entire term so there are no surprises.

Two-Year Coverage

You might think two-year coverage is a waste of time. After all, life insurance should span a good portion of your life to be worth having, right?

Well, yes and no.

If you aren’t sure what type of life insurance you need, a two-year policy can help bridge the gap between now and when you buy long-term coverage. That way, you know you’re covered if something should happen to you while you weigh the options for long-term life insurance.

The short, two-year term can provide a benefit of up to $500,000 and starts at just $3 a month. This policy from Bestow is one of the easiest to qualify for and you can cancel anytime if you change your mind.

10- or 20-Year Coverage

If you’re looking for a longer commitment, a 10- or 20-year policy can provide you extended life insurance. These plans can cost as little as $8 a month and give you up to $1 million in coverage.

Buying a long-term policy from Bestow is a “set it and forget it” kind of solution. Whether you’re single or have a family, your beneficiaries will be protected against the burden of debt if you pass away.

Term coverage like this is a great option to help your loved ones financially. Your policy can become a solid part of your financial plan and cover college tuition, an outstanding mortgage, and long-term debt.

The younger you are when you buy a life insurance policy, the better your rate usually is. Getting coverage now means you can enjoy a low rate without worrying about big premiums for the next 10 or 20 years.

Where Bestow Shines

  • Simple Process: One of the best things about Bestow is the easy-peasy process of getting a quote and buying a policy. It doesn’t ask for any of your contact information to find out how much coverage might cost.
  • No Medical Exam: Some traditional life insurance companies require a medical exam before you can even get a quote for a policy. Bestow thinks that’s rubbish. Whether you’re getting a quote or signing up, the process is 100 percent online and you’ll never be asked to do a medical exam.
  • Change Your Policy Anytime: Life can change at the drop of a hat. And when life changes, your life insurance needs can change, too. Bestow lets you cancel anytime with no questions and no cancellation fees.
  • Uses Non-Commissioned Agents: Unlike other life insurance companies, the licensed life insurance agents at Bestow don’t receive a commission on the products they sell. They make sure you get the coverage you need, but won’t earn more if they sell or upsell you a policy.
  • 30-Day Satisfaction Guarantee: Bestow will give you a full refund if you cancel your policy within the first 30 days. If you cancel after 30 days, your coverage will cancel at the end of the month and you won’t be charged

Is Bestow Right for You?

Bestow is a great way to get life insurance coverage, but there are a few limitations. For instance, you must be between the ages of 21 and 54 to qualify for a policy. Plus, some health conditions like cancer or kidney disease can prevent you from being eligible.

Additional qualifications for coverage can require you to:

  • Be U.S. citizen and resident
  • Have generally good health
  • Fall between the ages of 21 to 45 for 20-year term life
  • Be between 21 and 54 years for two-year or 10-year term life

This might not be the right choice for you if you have extreme hobbies, since piloting a non-commercial aircraft or taking part in activities such as roller derby and scuba diving can affect your ability to qualify.

But for the average person, Bestow can kick-start your long-term financial plan and help protect those you care about when you die.

Bestow Life Insurance Review: The Bottom Line

Bestow makes it easy for you to get a quote and sign up for a policy with no strings attached. Your personal information can be kept a secret until you decide you want to purchase life insurance. And even then, the company lets you cancel at any time.

However, what makes Bestow one of the best options for getting life insurance is that there’s no medical exam, blood testing, or in-person interview to qualify.

Keep in mind that you might be better off with a more traditional life insurance company if you have certain health or lifestyle risks or don’t want to look for insurance coverage again when your policy expires. But if you’re in generally good health and are between 21 and 55 years old, Bestow is a straightforward option for a great life insurance policy that can help your family after you’re gone.

Have you used Bestow for life insurance? We’d love to hear your thoughts below! Bestow Review Pin - picture of smiling family

Term Life Insurance Starting at $3/Month – Need a term life insurance policy? Bestow can hook you up with an online quote in minutes – no medical exams or in-person interviews required. Get started here.

Bestow Life Insurance Review
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Bestow Life Insurance Review

Bestow offers term life insurance policies starting at just $3/month – no medical exams or in-person interviews required. Free quotes are available in minutes, and you don’t even need to give an email until you’re ready to commit. Overall, we think Bestow is an excellent choice for term life insurance. Get a free quote here.