Why am I considered a tobacco user?

Did you get this message? “Your prescription history showed medications that indicate that you are a tobacco user so your…

What data is being used?

The products that Bestow offers rely on data vendors (identify verification, prescription history databases, motor vehicle reports and financial data)…

What is algorithmic underwriting?

Algorithmic underwriting is a fast and inexpensive approach to understanding what type of risk the insurance company will assign to…

Will my premiums increase over time?

Nope! The amount you agree to at purchase is the amount you will pay until your policy term ends or…

How do I pay my premium?

Currently, we only offer payment by credit card. Payments will be automatically drafted every scheduled payment day until the term…

Do the third-party data pulls have any side effects (credit score, negative MIB record of multiple applications for insurance)?

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

Can I talk to a human about my life insurance needs?

Of course! We have Customer Care Advisors available to assist you with any questions or concerns that may you have.…

When does my life insurance begin?

Your life insurance begins as soon as you are approved and your first payment is collected. Then continues for as…

Is a medical exam required to get life insurance?

Not with Bestow. A medical exam helps an insurance company double check how healthy you are. Instead, Bestow checks your…

How long does the application process take?

As fast as 5 minutes! We’ve worked hard to make the application process quick and seamless so apply today!

Get started today and have coverage in a few easy steps