in Life Insurance from Bestow Agency, LLC
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in Life Insurance from Bestow Agency, LLC
SuperMoney Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

16 users recommend
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0 users don't recommend
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Community Rating Strongly recommended
Financial Strength Rating A+
Number of Reviews 16

Bestow Review

Bestow life insurance is a life insurance agency based in Dallas, TX. The company was founded in 2016 and offers life insurance products in 49 states (and Washington, DC). The life insurance options they offer are issued by North American Company.

Bestow life insurance FAQ

What types of life insurance products are available through Bestow life insurance?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Bestow life insurance offers.

  • Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Bestow life insurance offers term lengths ranging from 10 to 25 years. Death benefit amounts range from $50,000 to $1,500,000.

What is SuperMoney's financial rating of North American Company?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives North American Company an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

Bestow Disclosure: Life insurance quotes provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. 10 and 20 year term life insurance policies are available. Term Life Insurance Policies offered by Bestow are issued on policy form LS181 and LS182, or state version including all applicable endorsements and riders, by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products or issues ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. North American is rated A+ (Superior) by A.M. Best. Limitations or restrictions may apply. A+ (Superior), the second highest rating out of 15 categories, was affirmed by A.M. Best for North American Company for Life and Health Insurance as part of Sammons Financial Group on August 19, 2019. A.M. Best is a large third party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligations to policyholders. Our application asks about your lifestyle and health to avoid requiring a medical exam.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Bestow Agency, LLC

With a 100% online application, no medical exams, and a modern, all digital underwriting engine, Bestow is on a mission to make obtaining term life insurance a fast, affordable process — one that will increase access to financial protection for more families. As some people turn to crowdsourcing to pay for things like funerals, medical bills, or inherited debt, Bestow believes it shouldn’t have to be that way. By doing things a little differently, what used to take weeks now takes just minutes, so more families can have options that could make them more financially resilient.

Message From Our Editor

What we love about Bestow

Bestow provides a no-hassle option for people who want 10- or 20-year term life insurance with no medical exam. The application process is 100% online, simple, and straightforward. You can get a life insurance policy quote in seconds and a policy in just a few minutes. Bestow does not require a medical exam or bloodwork. So, no need for needles or wasted time with medical appointments.

What could Bestow do better?

Bestow only provides 10-year and 20-year policy options. If you are looking for a longer or shorter term, you will need to look elsewhere. Although not requiring a medical exam is a nice feature, it could work against you if you have good health. You may qualify for lower rates with a life insurance provider that does require a medical exam.

What is the application process like?

Here's how Bestow's online application works. Note: It doesn't hurt your credit to apply.

  •  Visit the website and click "Apply Now."
  •  Provide your name, birth date, height, weight, and state.
  •  Select the type of coverage plan you want.
  •  Provide basic information on the next few pages, including email, full legal name, phone number, address, place of birth, Social security number, and a secondary contact (optional).
  •  Next, you'll decide if you agree to release your health information to obtain a life insurance policy. If you agree, you'll click continue.
  •  Now comes 18 questions to determine the level of risk you present.
  •  Phew! That's the bulk of the application. The next step is to select your beneficiary (beneficiaries).
  •  Almost done! Select the coverage amount and monthly payment amount that best fits your needs.
  •  The monthly premium amount will increase as the coverage amount increases. Further, each applicant's premium will differ according to the level of risk they present.
  •  Lastly, confirm your selection, agree to the terms, and make the payment.

That's a wrap. Within a few minutes, you can have life insurance—and without ever leaving your couch!

Bestow's backstory

Bestow partners with Munich Re Group and North American to provide life insurance to its customers. Munich Re Group. Founded in 1959, Munich Re Group is one the largest reinsurers in the U.S. It offers life, disability, group, and credit reinsurance products to companies across the country. North American. Founded in 1886, North American offers term life insurance and various universal life insurance products across the U.S. It is a member of the Sammons® Financial Group and has earned an A+ financial strength rating from A.M. Best. Although both of these partners have multiple insurance offerings, Bestow is currently only offering term life insurance.

The Verdict

Bestow provides an easy way to get competitive rates on term life insurance policies. They don't require a medical, and the online-only process just takes a few minutes to complete. They only have a limited selection of policy terms (10 or 20 years). Other companies that require a medical exam may offer lower rates, so we recommend comparing several companies before choosing a policy. 


About Bestow


  Available in 49 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Max. Coverage $1,000,000
Financial Strength Rating A+
Life Insurance Features
  • Online Quotes
  • No Medical Exam Policies
Term Length 10 - 25
Term Life Age Range 18 - 54
Term Life Death Benefit Range $50,000 - $1,500,000
Term Options Term Life
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)

Bestow Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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