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Bestow Life Insurance Review

​Many of the biggest life insurance companies were established long ago and come with decades of proven performance. That isn’t the case for Bestow, which launched in just 2016.

Read our review of this Dallas-based company, including the types of insurance policies they offer and how they’re rated by customer reviews and industry standards.

Please note: does not sell life insurance policies from Bestow. To learn about life insurance policies available where you live and to compare options from other life insurance companies that offer coverage in your area, call to chat with a licensed insurance agent or request a free online plan quote today.

Who is Bestow backed by?

Bestow life insurance policies are backed by the North American Company for Life and Health Insurance. 

Where is Bestow life insurance sold?

Bestow life insurance can be purchased in any state except New York, depending on local plan availability in the ZIP code where you live.

What kind of life insurance does Bestow sell?

Bestow only sells term life insurance, and the company has just one plan for sale. Benefits range from $50,000 to $1.5 million with term lengths of 10, 15, 20, 25 or 30 years.

Policies do not require a medical exam or waiting period and are available to applicants ages 18 to 60.  

Does Bestow sell any life insurance riders?

Bestow does not offer any riders to supplement its term life insurance. However, the Bestow website states in regard to riders that the company is “working hard to expand our options for you and your family, so check back often.” 

How much does Bestow life insurance cost?

A number of things can affect the cost of life insurance, including age, gender and even location.

Below is a list of sample quotes for Bestow term life insurance of various types of customers and coverages to help you get an idea of how much you might expect to pay for your plan. Please note these are estimates based on Bestow policy quotes, and plan availability and costs may vary where you live.​​​​

Age Gender Term Length Coverage Monthly Premium




$1 Million












How does Bestow life insurance pay out?

Bestow life insurance claims are actually paid out by its partner, North American Company for Life and Health Insurance, which advertises a 10-day processing period for life insurance claims. 

How is Bestow customer service?

Bestow offers support by phone, email or live online chat. There is also a member portal to view policy documents, make payments and update beneficiaries and claims can even be submitted online. Bestow even has an extensive online resource library full of helpful information about life insurance and related topics. 

The National Association of Insurance Commissioners (NAIC) measures customer complaints, and reports North American Company for Life and Health Insurance to have a customer complaint rate that is well below the industry average, which means they receive far fewer customer complaints than the average life insurance company.

Is Bestow insurance any good?

Bestow offers simple and affordable term life insurance to all but one state that does not require a medical exam or waiting period and is supported by strong customer service. And while Bestow is a very new company, it’s backed by North American Company for Life and Health Insurance, which has strong financial ratings that include an A+ from A.M. Best, S&P Global and Fitch Ratings. 

On the other hand, Bestow only offers one type of life insurance and no riders. So if you’re looking for more options for your coverage, you may want to broaden your search. 

Contact a licensed insurance agent today to learn more about life insurance policies available where you live and find the best coverage for your needs. 


Based on your answers, you should consider

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in life insurance coverage.

To confirm this amount or ask questions before making a purchasing decision, you should speak with a licensed insurance agent.

Call 1-855-303-4640 to speak with a licensed agent today.

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