I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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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 insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 18, 2022

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Bestow is a newer life insurance company that offers insurance policies from the North American Company for Life and Health Insurance, and it underwrites those policies itself.

The company focuses on offering easy access to term life insurance. Bestow is another life insurance company using instant data and artificial intelligence to review your information to determine rates and see if you qualify for coverage. Using Bestow Life Insurance Company’s mobile-friendly website, you will answer personal and health questions, give permission to access your personal data, and be provided an answer in just a few minutes.

If you are interested in a life insurance policy from Bestow, this review has all of the information you need. Find out if Bestow Life Insurance Company is the best option for your needs.

Bestow Life Insurance Pros And Cons

Bestow Life Insurance Pros:

  • No medical exam term life insurance coverage
  • Life insurance coverage up to $1.5 million
  • Get a quote in seconds and a decision on your application in minutes
  • Choose between 10 and 30 years in term life insurance coverage

Cons Of Bestow Life Insurance: 

  • No medical exam means stricter guidelines to meet
  • May not be competitive for healthy applicants
  • Only applicants between 18 and 60 are considered
  • No riders available

Table of Contents:

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Bestow is a newer company, although the issuer of its policies, North American Company for Life and Health Insurance, was founded in 1886.

The idea behind Bestow was originally developed in 2017 after the co-founders decided to offer a more affordable, accessible life insurance option that doesn’t require a medical exam or bloodwork as part of the application process. Headquartered in Dallas, Texas, Bestow has overwhelmingly positive customer reviews, showing that while the company is relatively new to the life insurance industry, it’s competing well against seasoned competitors.

The mobile-enhanced website makes it easy to quote and apply for term life insurance coverage with Bestow. However, you can also live chat with questions or call the team at 833-300-0603. Bestow Company representatives do not work on commission, so you can be sure they will work to find the life insurance policy right for your needs and budget.

Bestow notes that it offers coverage to a wide range of people, although it doesn’t list specific age or geographic requirements. Bestow customers can only apply for a life insurance policy online. The company offers live chat, phone, and email customer support.

Financial Strength

Financial stability is easily among the most important factors in choosing an insurance provider. A high level of financial strength, indicated by measures such as ratings by independent analysts, allows potential customers to have a certain amount of confidence that their policy will pay out if the conditions to do so are met. 

The Insurance Information Institute suggested finding as many rankings as possible to increase confidence, although these aren’t always available or easily accessible.

  • AM Best Financial Rating: A+ (North American Company for Life and Health Insurance®)

Bestow Life Insurance doesn’t pay out claims, so it doesn’t have its own financial ratings for review. However, the insurer it works with, North American Company for Life and Health Insurance, has an exceptionally high rating of A+ from AM Best. This is a strong indication of the financial strength backing the policies underwritten by Bestow.

Bestow Life Insurance Reviews and Customer Service

Customer service and experience shouldn’t be overlooked when it comes to choosing an insurance provider. When it comes to life insurance, you want a company you can trust to answer your questions honestly, provide fair pricing, and be able to handle the pressure of dealing with the stress and emotions that come along with filing death benefit claims.

Bestow Life Insurance Company has an A+ listing with the Better Business Bureau. In the last three years, only three complaints have been filed and all have been closed and resolved in the last 12 months. However, after four customer reviews, Bestow Life Insurance only has 1.75 stars, citing denials based on build and lifestyle.

On Trustpilot, Bestow Life Insurance has 4.8 out of 5 stars with 545 customer reviews.

Consumer Affairs gives Bestow Life Insurance Company a solid 5 stars after eight customer reviews. The fast process, affordable pricing, and smooth process are highlighted by several consumers happy with their choice in life insurance company.

RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance

Bestow Life also has 4.8 stars with Consumers Advocate, rating the company as excellent, though there are no customer reviews listed.

Though Bestow has only been offering life insurance for a few years, those who qualify for coverage with the company review it positively and are happy with their decision.

It is listed by Trustpilot, with over 40 reviews to date.

Bestow Company

  • Website: https://hellobestow.com
  • Phone: 1-833-300-0603
  • Address: 750 North St. Paul Street No. 1900, Dallas, TX, 75201



Bestow offers three different term life insurance policies, which means making a choice once you commit to working with this company is a simple affair.

Potential customers should be sure to understand the differences between term and whole life insurance before they make a final decision.

In general, term life policies cover a specific period of time and focus on providing a benefit if the policyholder dies during that time. Whole life policies continue until the policyholder dies or payment stops, and also include a cash value component that can be used to address a number of financial needs.

Term Life Insurance

Bestow has two options for term life insurance, differentiated by the length of the term.

The company offers a two-year plan, focused on providing a bridge to a longer-term solution or simply serving as a way to test the concept of having life insurance. This is an option not offered by other life insurance companies, which can be a good, temporary solution to trial term life insurance without a long-term commitment.

It also longer term life insurance offers 10- and 20-year policies that are more familiar to those who have worked with traditional life insurance providers in the past. Though Bestow only offered 10 and 20 year term policies in the beginning, you can now choose from:

  • 10 year
  • 15 year
  • 20 year
  • 25 year
  • 30 year

Coverage amounts with Bestow Life range from $50,000 to $1.5 million. The company noted that, generally, the earlier an individual locks in a policy, the lower the premium will stay throughout the policy’s life.


A rider is an addition to a standard life insurance policy that alters its function in some way. These elements are available for individuals who want to increase or limit the scope of coverage, and access the benefits of their policy in conditions that are not normally allowed.

Riders are optional additions and adjustments, so they aren’t a standardized offering from all insurance providers. Additionally, they often require that policyholders meet very specific conditions before they can access the benefits provided by the rider.

Examples of common life insurance riders are:

Bestow currently does not offer any riders.

Bestow Life Insurance

  • No Exam or Blood Tests
  • Easy Online Application
  • Affordable Rates

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One of the ways Bestow sets itself apart from other life insurance providers is by offering policies that don’t require medical exams or bloodwork. 

Instead, the company asks potential customers to provide information about their demographic, medical history, and lifestyle, among other things, then uses an algorithm to determine eligibility and create the offer in just a few minutes.

The application consists of 25 total questions. It’s easy for prospective customers to start the process via a desktop, laptop, tablet, or smartphone. Bestow emphasized that it wants to provide a quick, simple process with a shorter timeline than other options.

RELATED: Check Sample Life Insurance Rates by Age (No Personal Info Required)

Additional Online Resources

Bestow offers some useful resources to potential and current customers through its website. That includes a frequently asked questions page that focuses on Bestow’s approach to providing insurance and a variety of specific details about its processes, even pointing out that those who are denied a policy should look to other providers to secure life insurance.

There is also a page detailing Bestow’s different policies and the reasoning behind them, and a blog that offers a wide range of potentially useful information about life insurance and a variety of related financial and wellness topics.

Do I Qualify For Bestow Life Insurance?

One important consideration to keep in mind is how a variety of lifestyle, medical, and demographic factors can impact the type of policies that customers qualify for, as well as the cost of the premium. This is especially important when working with Bestow, because the company makes all of its decisions based on this information as opposed to medical examinations and the results of blood analyses.

There are a variety of factors that influence the cost of life insurance premiums. While considerations such as age and geographic location are difficult or impossible to change, there are risky behaviors that can be more easily altered.

Factors such as using tobacco products and engaging in extreme sports can increase the cost of a life insurance premium or even disqualify a potential customer, in combination with other factors. Making some lifestyle adjustments before applying for a policy can pay off.

Bestow Discounts

Discounts are an important consideration when it comes to life insurance, as a variety of options may reduce the cost of the premium on a one-time or ongoing basis. Ongoing discounts can add up significantly over time, considering the long term of many policies.

Bestow currently does not offer any discounts.


Is Bestow Life Insurance legit?

Though Bestow Life Insurance Company is new to the industry, it’s policies are provided by North American Company for Life and Health Insurance, which is one of the oldest life insurance companies in the country. With a superior A+ rating from AM Best, Bestow is a legit life insurance company for those who review its policies and choose to purchase term coverage.

What does Best Life Insurance covers?

Bestow offers term life insurance policies without the need for a medical exam. The applicants who qualify can get a policy in less than 30 minutes online. Choose from 10, 15, 20, 25, or 30 years of coverage with a face amount of $50,000 to $1,500,000.

Does Bestow pay out?

If the insured passes away before the term life insurance policy with Bestow expires, their beneficiary is eligible for the death benefit. The amount varies based on how much coverage the insured purchased, and is paid out by North American Company for Life and Health Insurance.