What we like
Quick Coverage and No Medical Exam
Bestow streamlines the process by eliminating the medical exam, which means that you can receive coverage in a matter of minutes.
Quotes and Coverage Right from Your Device
The clean, simple, mobile-friendly website is easy to use, and it saves you the trouble of meeting with an insurance agent.
30-Day Money-Back Guarantee
It’s customary for insurance providers to offer a 10-day introductory period, but Bestow goes the extra mile with a 30-day guarantee. Cancel at any time during this period and you’ll receive a full refund.
What we don’t like
Their pricing isn’t competitive
Bear in mind that Bestow only sells term life insurance. If customers need whole and universal policies, they will have to look elsewhere. Additionally, the coverage amounts are limited to the range of $50,000 to $1.5 million. Customers seeking greater coverage will have to look elsewhere.
No Insurance Riders Offered
Most insurance companies allow customers to add riders, which can be used to customize their policy. Bestow offers no such service.
Policies Limited by Age and Location
Bestow’s coverage is limited by age. Their 10-year policy is limited to customers between the ages of 21 to 55. Their 20-year policy is limited to a maximum age of 45—though this age is reduced to 43 if you are a man who uses tobacco.
Customers who are over 55 cannot apply. Additionally, their policies are not available to residents of New York state.