Life insurance basics

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

How much life insurance do I need?

Coverage calculator

If you were to pass away, how much money might your family need? Everyone’s situation is unique, but our coverage calculator can help give you an estimate of where your coverage needs may start. Curious about our math?

Answer a few simple questions and leave the math to us.


Disclosure: The Bestow Term Life Insurance Calculator is for informational purposes only and is not to be construed as financial advice, nor is it intended to be a recommendation of specific insurance guidance products. Bestow shall not be responsible for any financial or investment decisions made as a result of any information generated by the Bestow Term Life Calculator. The amount of insurance generated by this calculator is an estimate only. The estimated amount of insurance is based upon the information you input into the calculator, as well as various other assumptions made by Bestow. You should speak to a financial advisor about any financial or investment-related questions that you may have.

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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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Complete the full application in minutes. If approved, you could have coverage today.

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