Bestow Review 2024: No Medical Exam Life Insurance

Amanda Hester

Bestow offers term life insurance, leveraging artificial intelligence and data to match individuals with the appropriate coverage and premium amount based on their unique qualifications. People can apply for a policy offered by Bestow completely online and receive an instant decision.

Overall rating


Summary: Bestow simplifies the application process by not requiring a medical exam to qualify for life insurance.

Bestow Life Insurance

bestow life insurance logo


Coverage Up To

Not Required

Medical Exam



Policy Application


Fees, Coverage & Policies




Claim Support


Customer Service


Sae & Secure


  • Flexible policy terms
  • Straightforward application


  • Individuals over 60 years of age cannot apply
  • Does not sell permanent life insurance

Best For

  • No medical exam
  • Individuals who do not smoke


HQ750 North St. Paul Street #1900 Dallas, TX 75201
PolicyTerm life insurance
Coverage$50,000 – $1,500,000
Term Length10, 15, 20, 25, 30 years
Medical ExamNot Required
Issue Age18 to 60
Restricted StatesNot available in NY

In depth review on Bestow

Bestow determines the monthly premium for individuals based on how long a term they are looking for, their current health, and various other factors. It is a quick and convenient platform that determines coverage in minutes based on the information you share.

Bestow is best for

  • No medical exam: Bestow does not need a medical exam to process your application, so you don’t have to deal with the inconvenience of going to appointments.
  • Individuals who do not smoke: Bestow offers better premiums for those who do not smoke.

Bestow benefits

  • Flexible policy terms: Bestow offers high levels of coverage options and various terms to meet your specific needs.
  • Easy application: The application process is super simple and straightforward. As long as you are eligible, you could get your life insurance policy in just minutes.

Bestow drawbacks

  • Older people may not apply: Bestow does not offer coverage options over the age of 60.
  • Term life insurance only: Bestow only offers term life insurance. They do not have any permanent insurance coverage options available. 

Factors contributing to the overall rating

Policy application


Bestow makes it simple to apply for policies directly through their online platform. They do not require you to take a medical exam to determine your coverage options and availability – instead, you can apply completely online and receive a decision in minutes.

Based on your medical records and personal data, Bestow will determine whether or not you meet their eligibility requirements. Those who smoke are likely to have significantly higher premiums. Once you’ve been approved for coverage offered by Bestow, the rates are locked in for the policy term you chose. For example, if you quit smoking midway through your policy term, you are not able to apply for a rate change.

Fees, coverage and policies


The policies Bestow offers are based on applicant’s health data and other information given at the time of their online application. They leverage AI to determine a monthly premium based on the personal information you provided during the application process. Bestow offers monthly premiums starting at $10/month, and will fluctuate based on what the AI technology gathers regarding your personal information.

Bestow offers term life insurance with the following options:

  • Choice of 10, 15, 20, 25 or 30 years terms
  • Coverage ranging from $50,000 – $1,500,000

Individuals aged 18-60 are eligible to apply for coverage, but smokers who apply may have a reduced age range.



Riders are not available on the policies offered by Bestow.

Claim support 


Bestow’s claim support members are very considerate, making it easy to help your beneficiary submit the claim to the insurance company, which issued the policy. 

Customer service


Bestow has both online and phone customer service support available to help you speak with a life insurance agent as soon as possible. 

Safe and secure 


Bestow’s term life insurance offering is issued by North American Company for Life and Health Insurance® with an A+ rating by AM Best.

Is Bestow right for you?

Bestow application process is simple and streamlined, giving you the ability to apply completely online and hassle-free. With no medical exam required, you can apply and receive coverage on the same day if approved. It offers term life insurance policies that give you flexibility when it comes to your term length and coverage. 

Life insurance quotes provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life Insurance Policies offered by Bestow are issued on policy form LS181 and LS182, or state version including all applicable endorsements and riders, by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products or issues ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. North American is rated A+ (Superior) by A.M. Best. A+. (Superior), the second highest rating out of 15 categories, was affirmed by A.M. Best for North American Company for Life and Health Insurance as part of Sammons Financial Group on August 19, 2020. A.M. Best is a large third party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligations to policyholders. Our application asks about your lifestyle and health to avoid requiring a medical exam