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Life insurance basics

Starting your search for life insurance can seem daunting. We're here to fix that.

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If you’ve ever wondered how to buy life insurance, you’re not alone. Every day, people looking for more peace of mind choose Bestow.

  • Affordability

    Term life premiums can start at just $11 a month for up to $1.5 million in coverage.

  • Speed

    Most applicants get an instant decision, and can get same-day coverage, if approved.

  • Ease

    Answer a few basic health and lifestyle questions. Skip the medical exam.

  • Relief

    Enjoy the light, airy feeling that usually comes with crossing an important to-do off your list.

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Term life insurance vs. whole life insurance

Term Life


A term life policy provides a set amount of coverage for a period of time that you select when you buy it.

That’s the “term.” It can range from 5, 10, even 30 years.


Term is cheaper than whole life, since coverage ends when the policy expires.

Term life insurance rates for some qualified applicants can start as low as $11 a month.

Whole Life


Whole life insurance coverage is exactly what it sounds like. It can remain in force until you pass away, as long as the premium payments are made.


Given the eventuality of your death, and a cash value component, premiums on whole life are more expensive than term life insurance.

Learn more

Learning Center


If you’re shopping for life insurance, you may run into a few new words — but it’s not as complicated as you might think. Here you’ll find some simple definitions for common life insurance terms.

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