Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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The Truth in a Nutshell

  • The Bestow Life Insurance Company provides no medical exam life insurance
  • Your Bestow life insurance rates could be as high as $270/mo, but younger policyholders pay about $12/mo
  • Bestow Life shares its A.M. Best rating with North American Company for Life and Health Insurance

You may be wondering how much life insurance costs at Bestow Life Insurance Company. Don’t worry – we’re here to help you understand how to find affordable Bestow life insurance.

Our guide explains how various factors affect Bestow life insurance quotes, what insurance products are available, and Bestow’s current third-party ratings.

Continue reading to learn more about Bestow life insurance rates. Enter your ZIP code to compare multiple companies and see which companies provide the best rates.

What Bestow life insurance products are available?

If you’re looking for permanent life insurance, you won’t find it at Bestow Life. However, you can get term life insurance.

Bestow Life Insurance Company has term life insurance with coverage limits between $50,000 and $1.5 million. Also, you can buy term life insurance at ten, 15, 20, 25, or 30-year term periods.

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How much are Bestow life insurance rates?

Several Bestow life insurance reviews report various rates. That’s because life insurance depends on personal factors, such as age, gender, death benefits (coverage limit), and policy type.

Bestow life insurance underwrites for the North American Company for Life and Health Insurance. Therefore, your life insurance rates could be close to North American’s sample rates. Let’s see how much you could pay based on a $500,000 policy limit.

Bestow Term Life Insurance Rates by Age, Gender, and $500K Death Benefits
Age of Non-Smoking PolicyholderBestow Monthly Rates Based on 10-Year/$500K Policy (Female)Bestow Monthly Rates Based on 10-Year/$500K Policy (Male)Bestow Monthly Rates Based on 20-Year/$500K Policy (Female)Bestow Monthly Rates Based on 20-Year/$500K Policy (Male)
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The longer your term life insurance policy, the more you’ll pay for life insurance per month. Also, your Bestow life insurance rates increase as you get older.

Does Bestow Life Insurance Company have any good ratings?

According to A.M. Best, the North American Company for Life and Health Insurance has an “A+” rating. Since Bestow Life is linked to North American, it shares its superior A.M. Best rating.

There aren’t many consumer complaints. Bestow’s NAIC profile doesn’t show anything on the complaint index. Consumer Affairs reported a five-star rating on its website, but it only has eight ratings.

Bestow Life Insurance: Pros & Cons

Before you buy Bestow life insurance, let’s look at a few highlights.

  • Bestow Life Insurance Pros
    • High coverage limit without a medical exam
    • Little to no consumer complaints
    • Affordable term life insurance options for younger customers
    • Available in 49 states and the District of Columbia (Washington D.C.)
  • Bestow Life Insurance Cons
    • Not available to people in New York
    • No accumulated cash value
    • Bestow Life Insurance isn’t available to anyone over 60
    • No available life insurance riders
    • No Bestow life insurance payout reviews

A company with overwhelming good reviews is too good to be true. Be sure to compare as many life insurance companies as possible before committing to any life insurance policy.

Bestow Life Insurance Overview

Bestow Life was founded in 2016. Its current headquarters is in Dallas, TX. Bestow agents are spread throughout California, and it provides life insurance in several states.

Bestow Inc. is located at 750 North St. Paul Street, Suite 1900, Dallas, TX 75201.

The NAIC didn’t report any direct premiums in 2020, but the company has over $10 million in total assets. Despite Bestow’s small market share, it has a solid online presence.

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Bestow Life Insurance: What’s the bottom line?

Bestow is perfect for younger life insurance customers who want to buy a life insurance policy faster than usual. However, there aren’t any riders to customize your policy.

If you need a little more coverage or whole life insurance, you may have to shop around for the right company.

Now that you know more about Bestow life insurance, you can start comparing it to the best companies near you. Enter your ZIP code in the free online quote tool below to compare the top companies in your local area and secure affordable insurance rates.