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Bestow Term Life Insurance Overview

Bestow offers an easy online application with technology that allows for instant (not just accelerated) lab-free underwriting in minutes for all applicants. If approved, you can sign, pay for, and access your policy immediately.

Bestow Customer Service: (833) 300-0603

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Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

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Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

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We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

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No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

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As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $37 billion in coverage. That's a lot of happy customers.

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Bestow Company Overview


Dallas, TX



Product Partner

North American Company for Life and Health Insurance




Dallas, TX



Product Partner

North American Company for Life and Health Insurance



Bestow Ratings

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A.M. Best Better Business Bureau J.D. Power Moody’s Standard & Poor’s
A+ A+ N/A A2 A+

Bestow was established in 2016, and sells policies provided through North American Company for Life and Health, a life insurance company founded in 1886. The ratings listed are for North American Company as Bestow has not been independently rated as of June 2020.

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

How much life insurance do you need?

Figure out your action plan with our needs calculator

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Bestow is excellent for:

  • Digitally Savvy Applicants
  • U.S. Citizens
  • Those Without DUI/DWI

Bestow excels at offering an easy online application with technology that allows for instant coverage for qualified applicants.

Bestow Comparison Quotes

Bestow Term Life Insurance

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70

Banner Life

$18.96 $29.75 $69.89 $200.70 $790.24 $16.00 $24.05 $54.83 $141.35 $697.33


$24.75 $38.50 $73.50 N/A N/A $19.83 $27.25 $55.58 N/A N/A

Cincinnati Life

$23.32 $33.00 $81.40 $245.52 N/A $19.80 $28.60 $65.12 $183.92 N/A


$18.99 $28.72 $69.93 $203.22 $851.76 $16.03 $24.08 $54.92 $141.38 $701.00


$23.95 $32.50 $76.10 $230.85 N/A $20.95 $29.95 $60.75 $162.05 N/A

Haven Life

$19.05 $28.42 $151.01 $545.83 N/A $15.16 $24.11 $106.19 $468.41 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$27.94 $39.03 $77.35 $203.11 $799.59 $23.50 $30.70 $58.43 $143.90 $705.59

Pacific Life

$19.10 $28.87 $70.33 $200.75 N/A $16.12 $24.18 $54.89 $142.21 N/A


$19.77 $29.39 $72.04 $203.13 N/A $16.76 $24.82 $56.09 $143.91 N/A


$19.08 $28.45 $70.30 $200.73 $790.32 $16.11 $24.16 $54.86 $142.18 $697.36


$34.56 $43.75 $89.25 $273.88 N/A $28.00 $40.25 $77.88 $187.69 N/A

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A


$19.09 $28.46 $70.31 $200.74 N/A $16.11 $24.17 $54.86 $142.20 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.70 $32.75 $76.55 $230.45 $924.25 $17.47 $27.68 $67.43 $161.32 $699.89

William Penn

$19.11 $31.99 $73.02 $224.87 N/A $16.15 $24.45 $58.87 $142.18 N/A

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.


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Bestow Features & Benefits

What we like

  • Coverage approved instantly if applicant qualifies.
  • No medical exams required.
  • Credit card payments accepted.
  • Policy delivered electronically.
  • You can manage your policy online.

What could be better

  • Strict eligibility constraints.
  • Does not offer common riders.
  • Cannot be converted into a permanent policy.

Bestow Instant Coverage

Bestow’s 100% online application process has four simple parts:

  1. Basic identifying information: email, address, and Social Security Number.
  2. Life information: including citizenship, medical history, lifestyle, and hobbies.
  3. Beneficiary information: whoever would receive the death benefit in the event of the insured’s death.
  4. Policy and payment details: if approved, choose the coverage amount and term length, then enter credit card info to purchase and bind the policy.

No medical exam is required. Through questions about lifestyle and health, identity verification, and pulling available data about the individual applying such as prescription and credit history, driving records, and prior attempts at insurance, Bestow can underwrite policies as effectively as with a medical exam.

Bestow Policy Details

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Bestow Term
Guaranteed level premiums? Yes
Term lengths available: 10, 15, 20, 25, 30
Premiums returned at end of term? No
Riders available: N/A
Accumulates cash value? No
Policy loans available? No
Minimum issue age: 18
Maximum issue age: 60
Minimum face amount: $50,000
Maximum face amount: $1,500,000
Missed payment grace period: 60 days*

*State of issue, payment mode, and draft date can affect the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

The Fine Print

Guidelines & Exclusions

Age Requirements
  • 10-Year Term = ages 18-60
  • 15-Year Term = ages 18-55
  • 20-Year Term = ages 18-50
  • 25-Year Term = ages 18-45 for non-tobacco users; ages 18-38 for tobacco users
  • 30-Year Term = ages 18-40 for non-tobacco users; 18-31 for tobacco users
Eligibility Restrictions

Outside of age and face value requirements, Bestow has additional eligibility restrictions.

Below are factors that will cause Bestow to decline an applicant coverage:

  • New York residency
  • BMI over 40
  • Self-disclosed depression or suicide attempts or depression-specific drugs
  • Felony on record
  • Non-citizen with no green card
  • Non-commercial pilot, scuba diver, or car racing enthusiast
  • Plans to visit a dangerous country
  • Has a medical condition that has been diagnosed but not treated
  • Has a “dread” disease (Cancer, HIV, etc.)
  • Weight differential from medical records vs. what is noted in the application
  • Taking prescription drugs that are indicative of major health issues
  • DUI/DWI or suspended drivers license

Updated: September 2022

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.

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