Frequently asked questions

We’re the leading new business and administration technology partner for life insurance carriers looking to modernize efficiently and quickly. We support digital quote, illustration, and application journeys for customers and agents, offer a sophisticated underwriting engine and workbench interface, provide seamless payment, billing, and policy delivery services, and make administration a breeze with portal experiences for customers and support staff alike, as well as full TPA services trusted by top carriers. Our platform supports term life, final expense, IUL, and more — and can be implemented as a full end-to-end or modular solution. This gives carriers the flexibility to modernize in the way that makes sense for their unique needs.

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• 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!

• Expedite growth by streamlining the purchase funnel and eliminating roadblocks.
• Reduce acquisition costs via automation and digitization.
• 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.

Bestow is committed to complying with all life insurance laws and regulations. Our licenses page contains our complete list of producer and TPA license numbers, where applicable, across all 50 states.

We’re a technology company serving life carriers. We marry award-winning technology chops with decades of insurance experience that spans executive leadership, underwriting, compliance, product, and more. This uniquely positions us to help carriers modernize and innovate new products with a speed and fidelity not previously available in the industry.

Bestow isn’t a software vendor. We’re a tech partner, not merely a “set it and forget it” solution. It’s true that we've developed bedrock technology, but we pride ourselves on our partnership approach, collaborating with each carrier to help them solve big challenges that are unique to their business.

Bestow supports, term, final expense, indexed universal life, annuities, and an ever-expanding menu of product options.

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The Bestow platform optimizes the entire policy lifecycle, with products and experiences spanning quote and application all the way through claims initiation.

Yes. Data and intelligence underpin the Bestow platform, giving carriers access to clean, actionable data and recommendations that are impractical or sometimes impossible for siloed legacy systems to produce. Our intelligence page walks through many of these capabilities and their benefits.

We pride ourselves on lightning fast time to market. Obviously, timelines depend on partner needs and project specifics, but our partners have been extremely impressed with our development speed. For example, many of the digital insurance products we’ve brought to market took between 6-7 months to develop and launch, far shorter and more cost effective than attempting an in-house build.

Bestow offers solutions for both D2C and agent-led channels, including giving captive agents and outside distribution teams tools to seamlessly sell remotely, in-person, or via drop ticket.

Yes! Insurance is a complicated industry, and nothing is more frustrating than dealing with a vendor or partner who is learning that after you’ve signed a contract. We’re seasoned pros when it comes to product filing, regulatory requirements, compliance, governance and more. We’ve been at this a while, with tons of expertise and in-market experience to set you up for a smooth launch and sustained success. On top of our vast experience, we also keep up with the latest (and ever-changing) state by state regulations, so our partners can be proactive and ready for anything.

This depends on the nature and the scale of the change, of course, but timelines can range from hours or days to a number of weeks. Given that many in the industry view product changes as a once-a-year proposition at best, our speed and flexibility really sets carriers up to quickly respond to market forces.

Yes — you can integrate parts of the Bestow Platform into your existing stack. While some components work best as part of the full platform, many key functions are modular and can be deployed independently. This allows you to enhance specific areas (like underwriting, agent tools, or customer servicing) without disrupting your current systems. Reach out to talk to our sales team about how we can build the right offering for your carrier.

No, not necessarily. You may be able to keep the parts of your existing stack that are working and integrate only the Bestow capabilities you need. The platform is designed to work alongside existing systems. Reach out to talk to our sales team about how we can build the right offering for your carrier.

Our platform streamlines underwriting with straight through processing, smart sequencing, intuitive underwriter tools, integrated data calls, and automated workflows. Meanwhile, the carrier maintains control, including rules and logic, risk thresholds, eligibility, mortality, etc. Visit our underwriting page to learn more about our capabilities.

Yes. You make all the rules, set all pricing, and retain all of your own branding from quote to admin.

Bestow’s recommendation engine can determine if an applicant is applying for the right-fit product for them, and even redirect them in real time to another product off the Bestow platform, but within the carrier’s portfolio.

Yes. Bestow’s underwriting technology is integrated with all the standard data vendors you’d expect. If your carrier requires any specific non-standard integrations, our platform can easily accommodate that, as well. View our integrations page for a complete list of current integrations.

Bestow employs rigorous data security protocols. Forms, signatures, and communications are stored in compliance with HIPAA, NAIC standards, and NIST 800-53 controls. Ongoing adherence is verified by regular independent audits, and we maintain SOC 1 and SOC 2 Type 2 certifications to validate our controls.

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Yes. Top life carriers trust Bestow with significant policy volume, and we regularly test volume capacity for benchmarks that far exceed typical levels. On a day to day basis, the Bestow platform maintains 99.99% uptime.

Yes, absolutely. Bestow’s technology is cloud-native and API-first, supporting the modernization demands of today’s life carriers. Bestow is also heavily invested in how AI innovations can create efficiency wins for life carriers straddled with legacy systems and costly manual processes.