The era of point solutions is over
Meet the life insurance platform that delivers growth and cost savings at speed.
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Accelerate launches. Grow your book.
Own your roadmap.
One platform, purpose-built for life and annuity, from quote to policy admin and analytics
Sell through any channel.
Convert more agents.
Build dynamic illustrations in real-time.
Define your own rules. Control your own risk.
Empower your customers.
Cut the cost of underwriting.
Every distribution model, on one platform.
Meet your customers where they shop and buy, whether through agents (captive, independent, or BGA; agent-led or drop ticket), directly to consumers, or through member service reps. Every model runs on one platform, each channel configured to how it actually sells.
200%
Conversion lift over a carrier’s legacy product
~70%
Applicants who were first-time life insurance buyers
Eliminate friction
Reduce bottlenecks and boost app submits with smooth, digital processes including application, sign and pay, policy delivery, and more — optimized for both mobile and desktop.
Increase performance
Whether your goal is to grow volume or increase your start-to-bind rate, Bestow's digital application technology and data modeling can make huge impacts on your funnel.
Reduce costs
Tap into insurance process automation, a sophisticated underwriting engine, and powerful data tools to reduce costs and increase efficiency - all at a fraction of the cost of an in-house build.
Turn quotes into bound policies, faster.
Empower agents with a unified experience that carries every applicant from quote to signature — with real-time status, action-needed flags, and seamless handoffs to underwriting. Agents see exactly what moves each case forward, so fewer applications stall and more reach payment.
95%
Submit rate for agent-led applications
24 mins
Average start to bind time
Visibility at a glance
Every application, status, and action-needed flag lives in a single dashboard built around how agents work.
Fewer dropped cases
Clear next-actions keep applications moving instead of stalling out or disappearing into a black box.
Adoption you can see
An experience agents choose to use again and again, so your return on investment compounds.
Configure, solve, and illustrate, instantly.
Go beyond static tables to generate dynamic, highly visual, and compliant illustrations in seconds. Adjust for premium or face amount in real-time and send and export illustrations without leaving the sales experience.
28%
Boost in bind likelihood
100+
API-mapped field options tailored to your business
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Solve instantly
Toggle between premium and face-amount solves and see the difference updated in real time.
Clarity clients can read
An intuitive visual chart makes coverage and value easy to understand without wading through dense tables.
Stay compliant
Illustrations run on carrier-defined parameters and generate to spec, so what agents show is what carriers can stand behind.
Your rules. Your products. Our platform.
Own your underwriting logic and configure decisioning rules, routing, and referral paths to match your risk appetite and business needs. Then, evolve your products with your strategy, faster than ever.
22%
Lower underwriting costs
2x
Increase in policy sales
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Own the logic
Configure decision rules, thresholds, and routing to reflect your own risk strategy, not a fixed template.
Precision routing
Support multiple underwriting paths, including STP, refer to underwriting, and full human underwriting.
Adapt on your timeline
Update rules and parameters as your business evolves, without waiting for lengthy IT cycles or new releases.
Unburden your teams. Empower your customers.
Launch a portal experience that lets customers self-serve most key needs, while carriers can run policy administration on the same modern platform. Fewer service calls, more satisfied policyholders, one system of record.
97%
Needs self-served by customers
87 NPS
Double the customer satisfaction vs industry average
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Self-service by default
Policyholders can manage beneficiaries, billing, documents, and more without picking up the phone.
One system of record
Servicing and administration can run on the same platform that sold the policy, avoiding fragmentation issues.
Retain more policies
A modern post-sale experience keeps customers informed and engaged throughout the policy lifecycle.
Better data. Smarter decisions. Lower costs.
Turn the data already moving through your platform into decisions that cut cost. From actionable performance insights to a recommendation engine that routes each applicant to their best fit product, intelligence works across the policy lifecycle to reduce manual effort and lower the cost per policy.
22%
Lower per-policy costs
67%
Increase in start-to-bind rate
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See what's working
Performance IQ surfaces actionable insights across your funnel, so you can act on real-time data instead of guesswork.
Route with intelligence
Recommendation engine scores applicants on approval and purchase likelihood, for faster, better product fits — including 3rd party off-ramping.
Lower the cost curve
Automation and smart data tools cut manual or duplicative tasks, and result in smarter, more cost-efficient decisions.
Modernization is table stakes. Bestow delivers results.
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AI runs on Bestow.
AI requires full visibility. Full visibility requires a complete platform. Point solutions can't get you there.
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The platform L&A has been waiting for
See what real carrier partners are saying about working with Bestow.
"Our collaboration with Bestow has allowed us to modernize the customer experience, strengthen our market position, and reach more people with the protection they need.”
”This is the fastest project I have worked on in the last 20 years. Just a testament to how great our teams have worked together.”
“We’ve only ever set the aspiration to have one product launch in a year, and with you guys we’re shooting for four!”
What is Bestow, exactly?
Everything you need to know about the platform, and a few things you didn't know to ask.
We’re the leading new business and administration technology partner for life insurance carriers looking to modernize efficiently and quickly. We support digital quote, illustration, and application journeys for customers and agents, offer a sophisticated underwriting engine and workbench interface, provide seamless payment, billing, and policy delivery services, and make administration a breeze with portal experiences for customers and support staff alike, as well as full TPA services trusted by top carriers. Our platform supports term life, final expense, IUL, and more — and can be implemented as a full end-to-end or modular solution. This gives carriers the flexibility to modernize in the way that makes sense for their unique needs.
- Carriers looking to modernize parts or all of their business.
- Carriers looking for more efficiency in their underwriting.
- Carriers looking for easily-adoptable agent solutions.
If you’re working in acquisition or administration at a carrier, probably you!
Yes. You make all the rules, set all pricing, and retain all of your own branding from quote to admin.
- Expedite growth by streamlining the purchase funnel and eliminating roadblocks.
- Reduce acquisition costs via automation and digitization.
- Unlock new audiences by meeting the modern customer where they are shopping - online.
- Implement rapidly with white-labeled Bestow tech, going live in as little as 4 months.
- Innovate efficiently with product changes in weeks and pricing changes in days.
Yes, Bestow used to sell term life insurance directly to the consumer under the name Bestow Life Insurance Company, but sold that carrier to Sammons® Financial Group in 2024, who renamed it Lantern Insurance Company. Today, Bestow is a leading life insurance SaaS platform provider.
Sammons® Financial Group purchased Bestow Life Insurance Company in 2024. It was renamed Lantern Insurance Company. Your policy remains in force, and you can access your account here.
Ready for what’s next?
Let's talk about how your business stays competitive, and what it takes to get there.
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