Your 100% no-exam term life insurance application

Get your fast, free term life insurance quote in just seconds with Bestow.
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No waiting. No Exam. Life insurance made easy.

Traditional life insurance usually requires a medical exam, and it can take weeks just to find out if you’re eligible. But Bestow’s term life insurance application never requires a medical exam, and every applicant gets an instant decision.

Get a free quote in just seconds
Get a free quote in just seconds

You’re just a few clicks away from an instant price quote.

Apply for term life insurance with no exam required
Apply for term life insurance with no exam required

Just answer some basic health and lifestyle questions.

Activate coverage in minutes if approved
Activate coverage in minutes if approved

You could have coverage as soon as today. Really.

Product Features

If you’re like most people, you’ve probably been putting off life insurance. Maybe it’s an awkward conversation. Maybe you think it’ll be complicated or expensive. Maybe a little of both? Sure, life insurance is important, but it doesn’t have to be a big deal. That’s where we come in. Bestow is the fast, easy way to finally help protect your loved ones with term life insurance. No medical exam. No waiting. Just a quick online application and an instant decision for everyone. Rates start around $10/mo and you could activate your coverage as soon as today, if approved. See? No big deal.

Real Reviews from Real Customers

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Application process was thorough and straight forward without exam which was a plus during COVID-19. Glad I decided to take this step to protect my family and would highly recommend Bestow to family and friends.


Best decision...wish I would have done this sooner!

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There is a better way to apply for term life insurance.



The online application process takes minutes, with no exam needed. Answer a few basic health questions to apply.

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Life insurance in minutes? Yup. Apply in as little as five minutes and get an instant decision and coverage today, if approved.



Bestow aims to make affordable life insurance options fast, easy, and accessible. Rates from $11/mo. Coverage from $50,000 to $1.5M, if approved.

Smart Tech
Smart tech =
speed and savings

We’re life insurance nerds 24/7. By day, we’re passionate about our insurance products and policyholders. By night we’re innovators and tinkerers, developing the technology that helps provide instant life insurance quotes, and hopefully finds you the best policy and that just-right coverage amount to help give you a little peace of mind.

Term life insurance
vs. permanent life insurance

There are plenty of options when it comes to life insurance products, but the two primary types of life insurance are called term life insurance and whole life insurance. Which one is right for you? Well, like all financial decisions, it depends!

Term life

Permanent 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.


Permanent coverage is just that. It lasts your entire life until you pass away, which, spoiler alert, happens to everyone.

No cash value.


Some permanent life insurance also has a cash value element.

Term life insurance typically costs less than whole life as a general rule, partly because the coverage lasts for a specific period of time.


Permanent life insurance tends to cost much more than term life as a general rule.

What's more important than a home? A policy that can help pay for all or a portion of your mortgage can ensure your family stays in the home, neighborhood, and schools you choose should you pass away.

What are you
looking to protect?

You've got insurance questions.
We've got answers.

What is term life insurance?
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How much life insurance do I need?
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Should I get 20 or 30-year term life insurance?
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What happens if I outlive my term life insurance?
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Who should buy life insurance?
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What are the advantages of term life insurance?
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At what age does term life insurance end?
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What happens after I get my quote?
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Coverage today, if approved.
Yep. It's that easy.