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We sure think so. Bestow’s application process is entirely online. Seriously, 100%. Many companies offer an indicative quote online but then refer applicants to an agent or doctor in order to finish the application process. Other online life insurance companies may still require a medical exam for certain coverage amounts or applicants. With Bestow, every applicant gets a decision in minutes.

Bestow’s 100% online application process has four simple parts:

1. Your basic identifying information: email, address, and Social Security Number.
2. Your life. This includes citizenship, medical history, lifestyle, and hobbies.
3. Beneficiaries. This is whoever would receive the death benefit in the event of the insured’s death.
4. Policy and payment details. If approved, choose the coverage amount and term length, then enter credit card info to purchase and bind the policy.

You need life insurance as soon as someone relies on you financially. Really. It’s a good idea to start shopping during major life events like getting married, having a child, buying a home, starting a business, even becoming widowed, separated, or divorced. But you don’t have to wait for a life event of course. With Bestow, you can apply for coverage whenever is most convenient for you so you’re covered even before a life event occurs.

Do you have a spouse, children, or aging parents? If someone depends on your income or your contributions to live, then you need life insurance. Even if you’re not the breadwinner in your household, your family depends on you in other ways. For example, a stay-at-home mom is responsible for a lot of the household responsibilities, so consider the amount it would take to fulfill all of those same responsibilities. For breadwinners who may already have life insurance provided through your employer, an individual life insurance policy can provide extra protection with additional benefits you won’t get from supplemental insurance through your work’s group life policy.