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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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:

Enter your ZIP code below to view companies that have cheap insurance rates.

 Secured with SHA-256 Encryption


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