How Much Does Life Insurance by Bestow Life Cost?

If you’re looking for pricing and sample rates of Life Insurance purchased through the Bestow Direct-to-Consumer (D2C) platform, you’re in the right place.

We’ve run multiple quotes on Bestow.

Note: in all cases, we assumed a healthy individual who doesn’t smoke. Your actual rates may be different, from the samples shown— depending on your age, your health, whether you smoke or use nicotine products; along with other factors.

To get an exact price, you will need to complete the application and underwriting process.

Check out our full Review of Bestow Life Insurance:

Bestow offers term life insurance with rates starting at $10 per month. An entirely online process —from quote to binding your policy— in about 10 minutes... if you are young enough and healthy enough to qualify!

Bestow Life Insurance Review – Pros & Cons – FAQs

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Bestow Life Insurance Pricing and Fees

Bestow is NOT an Insurance Company. They are a licensed agent and third party administrator for North American Company for Life And Health Insurance. North American is who issues and backs the policies.

North American is an A+ rated company with A.M. Best and has competitive prices versus the competition. Other than paying the premium for the policy, there are no extra fees if you buy your life insurance through Bestow.

Premiums are very competitive in the no-medical-exam market and start as low as $16 per month.

QUICK VIEW

Face Amount: $50,000 to $1,500,000
Issue Ages: 18 to 59 are eligible to apply. The 20 year term is only available at age 45 or younger.
Level Period: 10, 15, 20, 25, and 30 year term

How Much Does Bestow Term Life Insurance Cost?

The cost of a term life insurance policy —issued and backed by North American, purchased through Bestow— is NOT expensive… if you are between the ages of 18 & 59 AND you only want a 10 year to 30 year term life policy.

BESTOW UNDERWRITING CLASSES

Preferred Non-Smoker
Standard Non-Smoker
Smoker

BESTOW ADDITIONAL RIDERS

Bestow DOES NOT offer any riders on policies they sell. If you want living benefit riders like Accelerated Death Benefit, Bestow is not the right place to buy your coverage.

BESTOW TERM LIFE CONVERSION

Bestow does not have any conversion features on the policies they sell. Switching your term life policy to a permanent policy —if your health changes, for the worse— is NOT an option at Bestow. It’s also important to note that the term policies sold by Bestow are NOT guaranteed renewable. This means you will have to qualify “medically”, for a new policy; once your 10 to 30 year term ends.

Pros and Cons of Bestow Term Life Insurance

Pros

Easy to purchase. Fast approval and no medical exams are required, ever
10, 15, 20, 25 and 30 year terms available
Monthly premiums as low as $16

Cons

Limited issue age – You have to be under 45 years old to be eligible to purchase a 20 year term policy.
No Living Benefit Riders in case you become terminally ill and need to access your death benefit early to help pay for medical expenses.
NO permanent life insurance options to purchase or convert to.

Bestow Sample Monthly Quotes

The sample Bestow sample monthly quotes assume the best possible underwriting class offered. Actual prices may be different.

Monthly Term Life Insurance Quotes (Age 30 – Male)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	$9.58	N/A	$10.25	N/A
$250,000	$13.33	N/A	$15.62	N/A
$500,000	$23.33	N/A	$26.25	N/A
$1,000,000	$43.33	N/A	$49.16	N/A

Monthly Term Life Insurance Quotes (Age 30 – Female)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	$8.42	N/A	$8.83	N/A
$250,000	$10.83	N/A	$12.71	N/A
$500,000	$15.83	N/A	$19.58	N/A
$1,000,000	$28.33	N/A	$35.83	N/A

Monthly Term Life Insurance Quotes (Age 40 – Male)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	$11.67	N/A	$13.33	N/A
$250,000	$17.71	N/A	$22.29	N/A
$500,000	$31.25	N/A	$39.16	N/A
$1,000,000	$59.16	N/A	$75.00	N/A

Monthly Term Life Insurance Quotes (Age 40 – Female)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	$10.08	N/A	$11.33	N/A
$250,000	$15.21	N/A	$18.96	N/A
$500,000	$22.08	N/A	$31.25	N/A
$1,000,000	$40.83	N/A	$59.16	N/A

Monthly Term Life Insurance Quotes (Age 50 – Male)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	$17.67	N/A	N/A	N/A
$250,000	$32.08	N/A	N/A	N/A
$500,000	$56.25	N/A	N/A	N/A
$1,000,000	$109.16	N/A	N/A	N/A

Monthly Term Life Insurance Quotes (Age 50 – Female)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	$14.67	N/A	N/A	N/A
$250,000	$24.79	N/A	N/A	N/A
$500,000	$40.00	N/A	N/A	N/A
$1,000,000	$76.66	N/A	N/A	N/A

Monthly Term Life Insurance Quotes (Age 60 – Male)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	N/A	N/A	N/A	N/A
$250,000	N/A	N/A	N/A	N/A
$500,000	N/A	N/A	N/A	N/A
$1,000,000	N/A	N/A	N/A	N/A

Monthly Term Life Insurance Quotes (Age 60 – Female)

Coverage	10 Year	15 Year	20 Year	30 Year
$100,000	N/A	N/A	N/A	N/A
$250,000	N/A	N/A	N/A	N/A
$500,000	N/A	N/A	N/A	N/A
$1,000,000	N/A	N/A	N/A	N/A

WHAT IS THE COST OF BESTOW GUARANTEED ISSUE WHOLE LIFE INSURANCE?

Bestow does not sell guaranteed issue whole life insurance.

WHAT IS THE PRICE OF BESTOW UNIVERSAL LIFE INSURANCE?

Bestow does not sell universal life insurance.

Understanding The Difference Types of Life Insurance

Understanding The Different Types of Life Insurance

The Bottom Line

Offering Life Insurance —backed and issued by North American Company for Life And Health— Bestow only sells to “young healthy people”, who are looking for basic 10 or 20 year term life insurance policies, with no riders or conversion options.

Bestow really does not offer anything particularly “unique”. Just no medial exam policies for a select few younger applicants.