- Sample monthly premium
- From $11/mo
- Coverage amount
- $50K–$1.5M
- Term lengths
- 10–30 yrs
- No-exam option
- Yes
Why it stands out
Bestow highlights
- No medical exam required on any policy, no exceptions
- Some of the lowest published starting premiums in the category
- Application to coverage in roughly 10 minutes
- Underwritten by A+ rated North American Company
The verdict at a glance
Pros and cons
Pros
- Rock-bottom rates for young, healthy applicants
- Never requires a needle or a paramedical visit
- Clean, genuinely fast online buying experience
Cons
- Coverage caps at $1.5 million, lower than some rivals
- Term only and no option to convert to permanent later
Our full review
Our take on Bestow
Bestow keeps things lean: term life only, no exam ever, and an application that a healthy 30-year-old can finish over a coffee break. Premiums start around eleven dollars a month, and policies are underwritten by North American Company, which carries an A+ rating.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Bestow’s own site before you apply.
The alternatives
How Bestow compares
Other top-rated insurers in Life Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Haven Life | From $17/mo | Healthy applicants who want term coverage fast | See Rates | |
| 2 | Ethos | From $12/mo | Buyers who want to skip the medical exam | Get Quote | |
| 3 | Ladder | From $14/mo | People whose coverage needs will change | Get Quote | |
| 4 | Fabric by Gerber Life | From $15/mo | Parents building a full safety net | See Rates |
- Haven Life4.9Best for Healthy applicants who want term coverage fast
- Ethos4.8Best for Buyers who want to skip the medical exam
- Ladder4.5Best for People whose coverage needs will change
- Fabric by Gerber Life4.4Best for Parents building a full safety net