Find out if term life insurance is right for you.

If people count on you, you're in the market for life insurance.

Find out if term life insurance is right for you.

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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.

I'm trying to break the generational curse of not understanding finances. I wanted to make small investments for my son and realized life insurance was a big step that I was missing.
- Taeysha

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“While the future may be uncertain, we have the power to protect our family and property at a nominal cost – let’s take it.”

– Newsweek

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.
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Term or Whole?

Need help understanding the difference between term and whole life insurance? We've got you covered.

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.

Trusted
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.
Trusted
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.

What is the application process like with Bestow?

Bestow’s 100% online application process has four simple parts:

  1. Your basic identifying information: email, address, and Social Security Number.
  2. Your life. This includes citizenship, medical history, lifestyle, and hobbies.
  3. Beneficiaries. This is whoever would receive the death benefit in the event of the insured’s death.
  4. Policy and payment details. If approved, choose the coverage amount and term length, then enter credit card info to purchase and bind the policy.
Will my premiums increase over time?

Nope! The amount you agree to when you purchase is the amount you will pay until your policy term ends or you apply for more coverage and are approved for a new policy.

How is term life insurance different than whole life insurance?

Term life insurance is easy to understand, affordable, and more commonly purchased than whole life. It provides coverage for a specific length of time (this is called a “term”) at a level premium (meaning the price doesn’t change) throughout the life of the policy. This type of life insurance is great for people that need either a small or large amount of coverage at a low cost.

Whole life insurance covers you for life as long as you pay the premium. Some policies include the potential to build up cash value, which is tax deferred, you can be borrowed from it, or you can surrender your policy for the cash value. For these reasons a whole life policy can be more difficult to understand and more expensive than a term life policy.

Does Bestow require a long-term commitment? What if I can’t afford my premium one month?

Each policy has a 30-day free look period. This means that you are eligible for a full refund if you cancel within the first 30 days after purchasing. If you ever can’t afford to make a premium payment, your coverage will continue through a “grace period” (60 days) from the date of your last payment. As long as your premium is paid during the grace period, coverage remains uninterrupted. Any missed premiums throughout the term are deducted from the death benefit in the event of a claim.

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.

Quote in seconds. Insured in minutes. It’s that easy.