Bestow Life Insurance Review

Bestow is a contemporary life insurance solution that streamlines the purchasing process and lowers the overall cost. If you’re healthy and between the ages of 18 and 60, you should be able to glide through the application process if you meet the criteria.

Bestow Life Insurance Review - Bestow Logo

Bestow life insurance rates

We calculated the cost of a $500,000, 20-year term life insurance policy using the Bestow online quotation tool. With the exception of men between the ages of 35 and 40 who have higher rates than the rest of us, most of the rates at Bestow are lower than the average for a policy of this size and length.

  • Age 20. Male $23.08, Female $14.75
  • Age 25. Male $23.50, Female $15.17
  • Age 30. Male $25.17, Female $17.25
  • Age 35. Male $28.92, Female $21.42
  • Age 40. Male $41.00, Female $28.92
  • Age 45. Male $52.67, Female $41.42
  • Age 50. Male $65.58, Female $46.00
  • Age 55. Male $84.75, Female $58.50

Bestow Life Insurance Pros and Cons


  • Online application
  • No medical exam
  • Coverage range
  • 30-day money back guarantee
  • No annual or cancellation fees
  • Financially strong


  • Short support window
  • No riders or supplemental coverages

Age 50 and older can’t get a 20-year term

According to our research, persons between the ages of 50 and 60 are restricted to purchasing insurance policies with term lengths of 15 years or fewer.

Most rivals allow voters to choose a 20-year term till they are 60 years old. You’ll have to search elsewhere if you’re above the Bestow’s age limit for a 20-year term and need a lengthier policy term.

What affects my rate with Bestow life insurance?

Your premium is determined by a variety of factors, including your age, health, lifestyle, profession, and interests. Bestow only offers the best rates to the candidates who are the least likely to default on their loans.

  • Tobacco use. The highest rate class requires proof of not smoking tobacco in the previous five years.
  • Age. Preferential treatment is given to candidates under the age of 35 who are in good health.\
  • Gender. Because women are expected to live longer than males, their insurance rates are lower.
  • Record of a driver’s license. With no recent serious traffic offenses or DUIs on your record, you’ll likely get a better rate.
  • History of criminal behavior. People with a criminal record will have a tougher time obtaining insurance.
  • Health. Your cholesterol, blood pressure, BMI, and family medical history are all taken into account when determining your risk of outliving your insurance coverage. Any of the following health problems, such as organ transplantation, would certainly result in denial of coverage from Bestow: 

Diabetes, coronary artery disease, a stroke, cancer, and HIV infection are all more common in people under 40. Kidney illness necessitating dialysis is also common.

  • Occupation. There are professions that are more risky than others depending on the type of work you do. Higher tariffs will be applied to people like firefighters, fisherman, roofers, loggers, and those who put in electrical power lines.
  • Living a risky lifestyle is a given. Does deep diving, racing, rock climbing, or leisure flying constitute any of your risky pastimes? Traveling to risky or war-torn nations is another option. To make up for the added risk, the insurance will raise the premium.
  • Drugs and alcohol are intertwined. Those with a history of alcohol or drug misuse are ineligible for Bestow’s services.

How to get a quote from Bestow life insurance

You can get a quote, sign up for and purchase your policy all online with Bestow.

  1. Go to the homepage of Bestow and click on Let’s Get Started or Get Quote to get started.
  2. Then pick a quotation after entering your gender, date of birth, height, and weight, as well as where you live.
  3. Look through your customizable quotation and decide on the level of coverage and term duration you want. After reviewing your new quotation, click Start Application if you’re ready to move forward.
  4. Enter your email address and choose a password to create an account.
  5. Complete the application by giving personal, health, and lifestyle information.
  6. When you’re done, click Submit Your Application to send your application to the hiring manager.

If you’re approved, verify your coverage amount and length of term, then enter your credit card info to purchase the policy.

What types of life insurance coverage does Bestow offer?

Term life insurance is available via Bestow. From $50,000 to $1.5 million in coverage, you can choose a term of 10, 15, 20, 25, or 30 years. While your coverage is still current, your premiums will remain the same. In contrast to whole life insurance, which can be renewed, term life insurance is non-renewable, so if you still want coverage at the end of the term, you must reapply.

What riders can I add to my Bestow life insurance policy?

Bestow does not enable policyholders to add riders to their policies in order to avoid confounding its algorithms. You’ll have to seek elsewhere if you want to add standard riders like a waiver of premium to your policy.

Bestow life insurance reviews and complaints

For its operations and client satisfaction, Bestow has received an A+ rating from the Better Business Bureau (BBB) since 2017. Only three complaints have been filed against the firm according to the BBB in the previous three years, which is about average. Customers give the insurance a rating of 1.75 stars out of 5, but there are just a few reviews to go on.

Bestow has a TrustPilot rating of 4.8 from 500 reviews, earning it a solid recommendation. Customers praise the simple application procedure, helpful customer service, and availability of immediate coverage, but some bemoan the absence of long-term plans.

For another insurance review, visit our review of Bankers Life Insurance Review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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