The leading new business and admin software for life carriers
End-to-end solutions to modernize workflows, launch faster, and lower costs
Let's chat
Trusted by partners like
Explore the platform
Explore the platform
Digital sales enablement for agents
Get tools like a clean, modern sales portal and fast, flexible quote interface that offer speed and efficiency to your distribution team.
Explore Application Suite
.png)
Modern, multi-channel distribution
Get a fast, digital, and easy-to-navigate consumer and agent application experience that’s consistent across online, in-person, or phone sales.
Explore Application Suite
Sophisticated rules engine
Unlock the modern tech stack you need to quickly and easily build, test, and launch data-backed and compliant underwriting programs.
Explore Underwriting
.png)
Streamlined workbench
Empower your underwriters with a user-friendly workbench loaded with everything they need to make efficient, informed decisions.
Explore Underwriting Workbench
.png)
Smooth, digital checkout and bind
Give customers and agents a modern checkout experience they'll love, including digital payments and post-decision adjustments.
Explore Application Suite
.png)
Automated policy issuance
Provide policyholders with automatic digital policy delivery and 24/7 access to policy docs via a customer portal experience.
Explore Application Suite
.png)
Powerful administration suite
Simplify post-issue servicing with admin offerings like a feature-packed portal and trusted TPA services.
Explore Admin Portal
.png)
Branded customer portal
Empower customers to self-service up to 97% of typical service needs with our intuitive, branded customer portal experience.
Explore customer self-service
.png)
Simple claims initiation
Digitally initiate the claims process via intuitive administrative and customer portal flows.
Explore Administration
Sales
Digital sales enablement for agents
Get tools like a clean, modern sales portal and fast, flexible quote interface that offer speed and efficiency to your distribution team.
Explore Application Suite
Application
Modern, multi-channel distribution
Get a fast, digital, and easy-to-navigate consumer and agent application experience that’s consistent across online, in-person, or phone sales.
Explore Application Suite
Underwriting
Sophisticated rules engine
Unlock the modern tech stack you need to quickly and easily build, test, and launch data-backed and compliant underwriting programs.
Explore Underwriting
Streamlined workbench
Empower your underwriters with a user-friendly workbench loaded with everything they need to make efficient, informed decisions.
Explore underwriting workbench
Bind
Smooth, digital checkout and bind
Give customers and agents a modern checkout experience they'll love, including digital payments and post-decision adjustments.
Explore Application Suite
Policy Issue
Automated policy issuance
Provide policyholders with automatic digital policy delivery and 24/7 access to policy docs via a customer portal experience.
Explore Application Suite
Maintenance
Powerful administration suite
Simplify post-issue servicing with admin offerings like a feature-packed portal and trusted TPA services.
Explore Admin Portal
Branded customer portal
Empower customers to self-service up to 97% of typical service needs with our intuitive, branded customer portal experience.
Explore customer self-service
Claim
Simple claims initiation
Digitally initiate the claims process via intuitive administrative and customer portal flows.
Explore Administration
Intelligence
Data-backed decisions
Optimize processes across the product lifecycle to realize smarter outcomes at lower costs.
Explore Intelligence
Bring new products to market in months, not years.
Get started
Move fast. Lower costs.
<6 months
Time to Market
Products are launched in months, not years.
45%
Cost Reduction
Lower per-policy costs within the first year.
81%
Instant Decision
Streamline application and reduce UW costs.
3x
Conversion Rate
A frictionless, digital sales process.
22%
Lower Underwriting Costs
Recommendation Engine tech drives cost efficiency.
3x
Underwriting Efficiency
Automation and integrations fuel potential savings.
From acquisition to administration
Discover how Bestow can help you transform and grow your life and annuity business.
How Bestow helps across your organization
Leverage Bestow’s technology and data expertise, and our deep insurance industry knowledge, to make life easier across your entire organization, from business strategy straight through to customer experience.
Drive growth
Unlock new markets, launch new products, and optimize existing offerings.
Improve customer experience
Get the new business and servicing experiences your customers expect.
Optimize underwriting cost
Guide the right customers to the right products and streamline underwriting.
Accelerate speed to market
Launch new products in months; adjust pricing in days.
Business enablement
Access powerful tech to serve business partners more easily and efficiently.
Easy integrations
Seamlessly integrate software solutions tailored to meet your business needs.
True SaaS solution
Tackle your organization’s biggest pain points with a fully managed software suite.
Accelerate innovation
Empower your team with the digital infrastructure to be agile and proactive.
Implement rapidly
Stand up and launch new insurance products in months, not years.
Unleash distribution
Broaden your market approach with new distribution channels.
Refine continuously
Test, learn, make changes quickly, and easily implement new product features.
Agile pricing power
Respond to market conditions with pricing adjustments that take mere days.
Accelerate decision-making
Leverage multi-path decisioning with both automated and underwriter referral options.
Optimize underwriting cost
Make faster, smarter decisions with digital tools, processes, and data insights.
Balance risk and competitiveness
Thread the needle between pricing, eligibility, and mortality.
Robust workbench
Give your underwriters the digital tools they need to work smarter, not harder.
Next-gen purchasing experience
Meet your customers where they’re at with the online buying experience they expect.
Empowered self-service
Customer portal lets policyholders handle up to 97% of service requests.
Service burden reduced
Ease volume and stress on Customer Support teams with a self-service portal.
Staffing flexibility
Empower your own team or leverage Bestow’s trained customer support agents.
Business strategy
Drive growth
Unlock new markets, launch new products, and optimize existing offerings.
Improve customer experience
Get the new business and servicing experiences your customers expect.
Optimize underwriting cost
Guide the right customers to the right products and streamline underwriting.
Accelerate speed to market
Launch new products in months; adjust pricing in days.
Technology
Business enablement
Access powerful tech to serve business partners more easily and efficiently.
Easy integrations
Seamlessly integrate software solutions tailored to meet your business needs.
True SaaS solution
Tackle your organization’s biggest pain points with a fully managed software suite.
Accelerate innovation
Empower your team with the digital infrastructure to be agile and proactive.
Insurance product
Implement rapidly
Stand up and launch new insurance products in months, not years.
Unleash distribution
Broaden your market approach with new distribution channels.
Refine continuously
Test, learn, make changes quickly, and easily implement new product features.
Agile pricing power
Respond to market conditions with pricing adjustments that take mere days.
Underwriting
Accelerate decision-making
Leverage multi-path decisioning with both automated and underwriter referral options.
Optimize underwriting cost
Make faster, smarter decisions with digital tools, processes, and data insights.
Balance risk and competitiveness
Thread the needle between pricing, eligibility, and mortality.
Robust workbench
Give your underwriters the digital tools they need to work smarter, not harder.
Customer experience
Next-gen purchasing experience
Meet your customers where they’re at with the online buying experience they expect.
Empowered self-service
Customer portal lets policyholders handle up to 97% of service requests.
Service burden reduced
Ease volume and stress on Customer Support teams with a self-service portal.
Staffing flexibility
Empower your own team or leverage Bestow’s trained customer support agents.
Business strategy
Drive growth
Unlock new markets, launch new products, and optimize existing offerings.
Improve customer experience
Get the new business and servicing experiences your customers expect.
Optimize underwriting cost
Guide the right customers to the right products and streamline underwriting.
Accelerate speed to market
Launch new products in months; adjust pricing in days.
Technology
Business enablement
Access powerful tech to serve business partners more easily and efficiently.
Easy integrations
Seamlessly integrate software solutions tailored to meet your business needs.
True SaaS solution
Tackle your organization’s biggest pain points with a fully managed software suite.
Accelerate innovation
Empower your team with the digital infrastructure to be agile and proactive.
Insurance product
Implement rapidly
Stand up and launch new insurance products in months, not years.
Unleash distribution
Broaden your market approach with new distribution channels.
Refine continuously
Test, learn, make changes quickly, and easily implement new product features.
Agile pricing power
Respond to market conditions with pricing adjustments that take mere days.
Underwriting
Accelerate decision-making
Leverage multi-path decisioning with both automated and underwriter referral options.
Optimize underwriting cost
Make faster, smarter decisions with digital tools, processes, and data insights.
Balance risk and competitiveness
Thread the needle between pricing, eligibility, and mortality.
Robust workbench
Give your underwriters the digital tools they need to work smarter, not harder.
Customer experience
Next-gen purchasing experience
Meet your customers where they’re at with the online buying experience they expect.
Empowered self-service
Customer portal lets policyholders handle up to 97% of service requests.
Service burden reduced
Ease volume and stress on Customer Support teams with a self-service portal.
Staffing flexibility
Empower your own team or leverage Bestow’s trained customer support agents.
Proven Advantages
Life insurance is a complex business with complex challenges. Bestow offers a proven solution to many of your biggest pain points.
Reduce costs
Get all the benefits of cutting-edge technology and process optimization for a fraction of the cost of an internal build.
Grow faster
Streamline the funnel with digital application tools and market-informed instant underwriting.
Innovate effectively
Speed up your innovation cycle with a tech-focused test-and-learn approach — product changes in weeks, pricing changes in days.
Unlock new audiences
Refine and boost distribution channels to meet customers where they're at and have the flexibility to grow with them as markets evolve.
Optimize expenses
Quickly realize efficiencies that can lower the cost to acquire a customer by as much as 45%.
Implement rapidly
Launch optimized digital processes and white-labeled life products in as little as 4-6 months.
What is Bestow, exactly?
Answers to the top questions we get asked by carriers.
What does Bestow do?
Our life insurance software de-risks carrier modernization efficiently, and at less cost than an in-house build. Specifically, we provide e-app and e-quote technology, a customizable underwriting engine and workbench, simple payments and billing solutions, streamlined policy delivery and admin, and intuitive portals for agents, underwriters and policyholders. Carriers can implement the entire platform or seamlessly integrate parts of it with their legacy systems.
Who is Bestow for?
- 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!
What are the primary benefits of choosing Bestow?
- Expedite growth by streamlining the purchase funnel and eliminating roadblocks.
- Reduce acquisition costs by as much as 24% (based on third-party competitive analysis).
- 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.
Will I still have control over my underwriting decisions and risk tolerances?
Yes. You make all the rules, set all pricing, and retain all of your own branding from quote to admin.
Didn’t Bestow used to sell life insurance?
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. Lantern Insurance Company is now selling direct-to-consumer at lanterninsurance.com.
Where is my Bestow life insurance policy?
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.
Latest news
Get the latest Bestow news, leadership bylines, and partner success stories.
You’ve got goals. We’ve got solutions.
Connect to set up a product demo or to start a conversation about Bestow’s unique end-to-end platform solutions for life insurance and annuities.
.svg)
