The next generation of life and annuity technology

End-to-end life insurance software for a rapidly evolving market.

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Platform Overview
New Business
Administration
Intelligence

Launch new products faster.

New Business

Streamline your life & annuities origination business.

Application Suite

From quoting to checkout, we build digital-first & hybrid experiences for customers and agents.

Explore Application Suite

Underwriting

Build and test new products with our rules engine, and enhance your workbench with the power of automation.

Explore Underwriting

Agent Tools

Get an intuitive sales management dashboard and tools, including real-time statusing that agents and carriers can trust.

Explore Agent Portal

Application Suite

From quoting to checkout, we build digital-first & hybrid experiences for customers and agents.

Explore Application Suite

Underwriting

Build and test new products with our rules engine, and enhance your workbench with the power of automation.

Explore Underwriting

Agent Portal

Get an intuitive sales management dashboard and tools, including real-time statusing that agents and carriers can trust.

Explore Agent Portal

Reduce costs.

Administration

Optimize your post-issue servicing needs through tools and self-service portals.

TPA Suite

Harness robust admin tools and features for pre and post-issue servicing, either integrated into your CX process or through Bestow TPA services.

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Service Portal

Launch a frictionless self-service portal customers can use across multiple products, saving valuable time and resources.

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TPA Suite

Harness robust admin tools and features for pre and post-issue servicing, either integrated into your CX process or through Bestow TPA services.

Explore TPA Suite

Service Portal

Launch a frictionless self-service portal customers can use across multiple products, saving valuable time and resources.

Explore Service Portal

Grow your book of business.

Intelligence

Elevate your marketing and product decisions with superior data.

Performance IQ

Monitor KPIs across all channels and tools with superior tracking, reporting, and integrations.

Explore Performance IQ

Data Optimization Suite

Make your data work for you with sophisticated marketing tech and data modeling to improve your sales funnel and make smarter resourcing decisions.

Explore Data Optimization Suite

Performance IQ

Monitor KPIs across all channels and tools with superior tracking, reporting, and integrations.

Explore Performance IQ

Data Optimization Suite

Make your data work for you with sophisticated marketing tech and data modeling to improve your sales funnel and make smarter resourcing decisions.

Explore Data Optimization Suite

Bring new products to market in months, not years.

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people working in an office

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.

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.

From acquisition to administration

Discover how Bestow can help you transform and grow your life and annuity business.

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Helping top carriers innovate at speed.
See what real carrier partners are saying about working with Bestow.

"We love that you come with a perspective on what to do - we don't have to write 14-page requirements documents anymore because you come with solutions."

Director
Top 20 life carrier

“Bestow has proven that this industry can change. In just a few months, we’ve advanced a generation in the experience we can provide.”

Director
Top 20 life carrier

“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.”

Director of Product Management
Top 20 life carrier

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.

Business strategy
Technology
Insurance product
Underwriting
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.

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.

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Feature

Insurtech Bestow lands $120M Series D from Goldman Sachs, Smith Point Capital

May 13, 2025

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.

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