- Business Insider

"After dragging my feet on getting life insurance for the last several years, it's now one less thing nagging at the back of my mind."

- Business Insider

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$50,000 – $1,000,000

in term life coverage

10-year and 20-year policies designed to fit your lifestyle and your budget.

In a matter of minutes, I had a 20-year $500,000 term policy in place with a monthly premium less expensive than the $100,000 policy I had.
- Randy

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Buying life insurance can seem daunting, but we’re here to make it easy. To learn more about the types of life insurance, what it will cover and how much you need, visit the Bestow blog to read Insurance 101.

Term Life 101

The Term
This is how many years you are covered for. Bestow offers traditional 10 and 20-year plans.
The Premium
This is what you will pay monthly. Term life is usually the most affordable and the cost won’t change over time.
The Payout
This is the amount of money your beneficiary (or beneficiaries) will receive if you die during the term.

Why should I consider term life insurance?

It’s not fun or easy to think about what would happen if you die. That’s why Bestow is making it easy to protect your people. With 100% online term life insurance, you can apply in minutes. Depending on the policy you select, your family could pay off a mortgage, send a kid to college or cover your funeral costs.

You may have a policy at work, and that’s great because the premiums are often subsidized by your employer. But your work plan is often no more than one year’s salary. For most families today, this simply isn’t enough coverage and it vanishes when you leave your job or are sick and can’t work. Many people consider this type of life insurance supplemental.

What are you looking to protect?

A HomeAn EducationA Comfortable Life
<p>A couple and their child visiting a senior woman at her home.</p>

Most families' largest expense is their home. And with a policy that covers the remaining mortgage, you can provide stability for your family, allowing them to stay in their home and neighborhood.

<p>Smiling young woman using digital tablet at home</p>

With rising tuition and the cost of room and board, getting a college education is a major expense. That's why many people choose to consider this when selecting a coverage amount. You could ensure your child has access to higher education, private school or other training to give them a leg up on a career.

<p>A close-up of young mother with a toddler girl on beach on summer holiday.</p>

From phone plans to back-to-school shopping, there are a lot of little expenses that add up quickly. To maintain your family's lifestyle whatever comes their way, a life insurance policy can help provide the means to cover life's mundane and even unexpected expenses.

<p>A couple and their child visiting a senior woman at her home.</p>

Most families' largest expense is their home. And with a policy that covers the remaining mortgage, you can provide stability for your family, allowing them to stay in their home and neighborhood.

To make sure your policy stands the test of time, we partnered with two of the largest and most respected insurance companies in the country, Munich Re® and North American Company for Life and Health Insurance®. They’re among the highest rated names in the insurance industry, each with over 130 years of experience and rated A+(Superior) by A.M. Best. You get the dependability of centuries-old industry giants and the convenience of a modern technology company.
What can I expect during the application process?

We worked with our insurance partners, designers, and engineers to design as delightful of an application process as an application for life insurance could be. The application begins by checking if you are a real person (no robots), followed by questions about your health and lifestyle. We make sure your information is protected with encryption, and we do not sell your personal information to third parties. Once we have enough information, if approved, we recommend a coverage amount and monthly price that makes the most sense for you.

How do I know Bestow will be around in 5+ years? What will happen to my policy?

Policies purchased through Bestow are issued by North American Company for Life and Health Insurance® — an A+ rated insurer. Bestow just makes the application experience simple and convenient.

Who should buy life insurance?

Do you have a spouse, children, or aging parents? If someone depends on your income or your contributions to live, then you need life insurance. Even if you’re not the breadwinner in your household, your family depends on you in other ways. For example, a stay-at-home mom is responsible for a lot of the household responsibilities, so consider the amount it would take to fulfill all of those same responsibilities. For breadwinners who may already have life insurance provided through your employer, an individual life insurance policy can provide extra protection with additional benefits you won’t get from supplemental insurance through your work’s group life policy.

Will applying with Bestow have any effect on my credit score?

Bestow follows the Fair Credit Reporting Act and requests a soft credit inquiry, which will not impact your credit score.

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