Are you looking to compare Bestow’s instant no-exam term life insurance rates to their top competitors?
Perfect! We can help you with that.
In the post below, we’ll show you Bestow’s term life rates by age as well as a chart with the rates from Bestow’s top instant life insurance with no-exam competitors.
Table of Contents
Bestow Life Insurance Rates by Age Chart: 20-24
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 20-24 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 20 | Male | $10 | $15 | $22 | $38 |
| 20 | Female | $7 | $8 | $10 | $14 |
| 21 | Male | $10 | $15 | $22 | $38 |
| 21 | Female | $7 | $8 | $10 | $14 |
| 22 | Male | $10 | $15 | $22 | $38 |
| 22 | Female | $7 | $8 | $10 | $14 |
| 23 | Male | $10 | $15 | $22 | $38 |
| 23 | Female | $7 | $8 | $10 | $14 |
| 24 | Male | $10 | $15 | $22 | $38 |
| 24 | Female | $7 | $8 | $10 | $14 |
Bestow Life Insurance Rates by Age Chart: 25-29
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 25-59 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 25 | Male | $10 | $15 | $22 | $38 |
| 25 | Female | $7 | $8 | $10 | $14 |
| 26 | Male | $10 | $15 | $22 | $38 |
| 26 | Female | $7 | $8 | $10 | $15 |
| 27 | Male | $10 | $15 | $22 | $38 |
| 27 | Female | $8 | $8 | $10 | $16 |
| 28 | Male | $10 | $15 | $22 | $38 |
| 28 | Female | $8 | $9 | $11 | $22 |
| 29 | Male | $10 | $15 | $22 | $38 |
| 29 | Female | $8 | $9 | $11 | $17 |
Bestow Life Insurance Rates by Age Chart: 30-34
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 30-34 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 30 | Male | $10 | $15 | $22 | $38 |
| 30 | Female | $7 | $8 | $10 | $18 |
| 31 | Male | $10 | $15 | $22 | $38 |
| 31 | Female | $8 | $10 | $12 | $19 |
| 32 | Male | $10 | $15 | $22 | $38 |
| 32 | Female | $8 | $10 | $12 | $19 |
| 33 | Male | $10 | $15 | $22 | $38 |
| 33 | Female | $8 | $10 | $14 | $20 |
| 34 | Male | $10 | $15 | $22 | $38 |
| 34 | Female | $9 | $10 | $14 | $21 |
Bestow Life Insurance Rates by Age Chart: 35-39
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 35-39 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 35 | Male | $11 | $16 | $24 | $42 |
| 35 | Female | $9 | $12 | $15 | $24 |
| 36 | Male | $12 | $18 | $26 | $46 |
| 36 | Female | $9 | $13 | $17 | $27 |
| 37 | Male | $12 | $20 | $28 | $50 |
| 37 | Female | $9 | $13 | $17 | $27 |
| 38 | Male | $12 | $21 | $30 | $54 |
| 38 | Female | $10 | $15 | $20 | $34 |
| 39 | Male | $14 | $22 | $32 | $58 |
| 39 | Female | $11 | $16 | $22 | $37 |
Bestow Life Insurance Rates by Age Chart: 40-44
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 40-44 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 40 | Male | $14 | $24 | $34 | $62 |
| 40 | Female | $11 | $18 | $23 | $41 |
| 41 | Male | $15 | $25 | $36 | $66 |
| 41 | Female | $12 | $19 | $25 | $44 |
| 42 | Male | $15 | $27 | $38 | $70 |
| 42 | Female | $12 | $20 | $27 | $48 |
| 43 | Male | $16 | $29 | $40 | $73 |
| 43 | Female | $13 | $21 | $29 | $51 |
| 44 | Male | $17 | $30 | $42 | $77 |
| 44 | Female | $13 | $22 | $30 | $55 |
Bestow Life Insurance Rates by Age Chart: 45-49
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 45-49 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 45 | Male | $18 | $33 | $45 | $85 |
| 45 | Female | $14 | $24 | $32 | $59 |
| 46 | Male | $19 | $36 | $50 | $93 |
| 46 | Female | $15 | $26 | $35 | $64 |
| 47 | Male | $20 | $39 | $53 | $101 |
| 47 | Female | $16 | $28 | $37 | $68 |
| 48 | Male | $21 | $41 | $57 | $109 |
| 48 | Female | $17 | $30 | $40 | $73 |
| 49 | Male | $23 | $45 | $61 | $141 |
| 49 | Female | $17 | $32 | $42 | $77 |
Bestow Life Insurance Rates by Age Chart: 50-54
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 50-54 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 50 | Male | $24 | $56 | $65 | $125 |
| 50 | Female | $18 | $34 | $45 | $83 |
| 51 | Male | $25 | $50 | $69 | $132 |
| 51 | Female | $19 | $36 | $48 | $89 |
| 52 | Male | $26 | $53 | $73 | $140 |
| 52 | Female | $20 | $38 | $50 | $94 |
| 53 | Male | $27 | $56 | $77 | $148 |
| 53 | Female | $21 | $40 | $53 | $100 |
| 54 | Male | $29 | $59 | $81 | $156 |
| 54 | Female | $22 | $42 | $56 | $106 |
Bestow Life Insurance Rates by Age Chart: 55-59
Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 55-59 for: $100k, $250k, $500k and $1 million coverage amount.
| Age | Gender | $100k | $250k | $500k | $1 million |
|---|---|---|---|---|---|
| 55 | Male | $30 | $62 | $85 | $164 |
| 55 | Female | $22 | $43 | $58 | $111 |
| 56 | Male | $31 | $64 | $89 | $172 |
| 56 | Female | $23 | $45 | $61 | $116 |
| 57 | Male | $32 | $67 | $93 | $179 |
| 57 | Female | $24 | $47 | $65 | $123 |
| 58 | Male | $34 | $70 | $101 | $196 |
| 58 | Female | $25 | $49 | $72 | $138 |
| 59 | Male | $36 | $73 | $115 | $224 |
| 59 | Female | $27 | $51 | $78 | $151 |
*Date of birth used is 6/15. For male, 5’11” 180 lbs, non-tobacco, excellent health, good credit. For female, 5’4 140 lbs, non-tobacco, excellent health, good credit. Rates are for a 10-year level term. Rates as of 12/15/202
Bestow Life Insurance vs. Ethos Life vs. Ladder Life vs. Sproutt Life Insurance vs. Haven Life (Haven Simple): 500k Life Insurance No Medical Exam
The table below compares the monthly term life insurance rates between: Bestow Life Insurance vs. Ethos vs. Ladder Life vs. Sproutt vs. Haven Life (Haven Simple) for $500k life insurance no medical exam policy for a 20-year level term.
| Company | Rating | Exam | Term | $500k of coverage |
|---|---|---|---|---|
| Bestow | A+ | No | 20-Year | $52 |
| Ethos | A+ | No | 20-Year | $68 |
| Sproutt | A | No | 20-Year | $73 |
| Ladder Life | A+ | No | 20-Year | $86 |
| Haven Life | A++ | No | 20-Year | $92 |
*Rates for a 45 year old male, D.O.B. 6/15/1976. Excellent: health, height & weight, credit, driving record, non-tobacco user. Rates as of 12/15/2021
As you can see in the table above, a $500k no medical exam life insurance policy for a 20-year level term, for a 45-year old male, at the top rate class, from a Superior rated company is only $52 month. This policy is a 100% instant no exam term life insurance policy with a final decision, rate and coverage in about 9 minutes.
Bestow Life Insurance Pricing Secret– 15 Year & 20 Year Term
Bestow’s life insurance rates on their 15-year and 20-year level terms are often not much more than their 10-year level term. Take a look at an example below:
Below are the rates for a 40-year old female at the best health class:
$500k 10-year term: $23 month
$500k 15-year term: $27 month
$500k 20-year term: $29 month
Below are the rates for a 45-year old male at the best health class:
$500k 10-year term: $45 month
$500k 15-year term: $51 month
$500k 20-year term: $52 month
As you can see, with Bestow life insurance, most people can lock in a 15-year or 20-year term for only a few dollars more a month than a 10-year term.
Chart Takeaways- Bestow Life Insurance: Ages 20-30
- As you can see in the table above, a $100k term life insurance with Bestow is a low as $10 month for a 20-year old male and $7 month for a 20-year old female. This is for someone that is in excellent health. For a $250k 10-year level term life insurance policy for a $8 month for a female and $15 month for a male. These rates are the absolute lowest in the entire country, from every life insurance company for $250k, $500k and $1 million policy amount for a 20 year old female! The rates from Bestow for a 20 year old woman cost less than top insurance companies such as: Banner Life, Pacific Life, AIG, Prudential, Protective Life, New York Life, Haven Life, Lincoln National, Northwestern Mutual, Ethos and the rest.
- As you can see in the table above a 22-year old female can lock in a $500k instant-decision term life insurance policy with no exam for $10 month and a $1 million policy for $14 month. This is the absolute lowest rate in the country, even less than the other top companies that require a medical exam and or phone interview with the insurance company as part of the application process.
- A healthy 28-year old woman, can secure a $500k instant-issue term life insurance with no-exam for just $11 month or only $132 a year. A million no-exam policy with Bestow for a 28-year woman is only $16 month or $192 year, for a 10-year level term policy. A $1 million 20-year term policy for a 28-year old woman from Bestow is only $26 month.
Chart Takeaways- Bestow Life Insurance: Ages 30-40
- The rates for a 30-year old man in excellent health, range from $10 month for a $100,000 10-year term up to $38 month for a $1 million policy. The same policy for a 30-year old woman in excellent health, range from $7 month for a $100k 10-year term to $18 month for a one million policy.
- As you can see in the table above, a $500k instant-issue term life insurance no-exam on a 10-year term is only $15 month for a 35-year old woman in excellent health and $24 month for a 35-year old male.
Chart Takeaways- Bestow Life Insurance: Ages 40-49
- As you can see in the table above, a $250k 10-year term policy with Bestow costs $18 month for a 40-year old female in excellent health and $24 month for a 40-year old male in excellent health.
- As you can see in the table above, the rates for a 47-year old female are as low as $16 month up to $68 for a 10-year term from $100k to $1 million policy.
Chart Takeaways- Bestow Life Insurance: Ages 50-60
- As you can see in the table above, a $100k 10-year term policy with Bestow costs $18 month for a 50-year old female in excellent health and $24 month for a 40-year old male in excellent health.
- As you can see in the table above, the rates for a 55-year old male range from $30 month for a $100k policy up to $164 month for a $1 million policy. A 55-year old female can secure a $100k policy for as low as $22 month and get a $1 million policy for as low as $111 month.
Bestow Life Insurance- Rates Compared To Competitors
As you can see in the list above, Bestow has the lowest rate in the nation. Bestow’s life insurance application is instant-issue with no medical exam. Compare this to the other companies such as: Banner Life, Lincoln National, Pacific Life, AIG, Symetra, SBLI and Transamerica that either require a medical exam or phone interview. The underwriter could also request your medical records from these insurers unlike Bestow which provides and instant-decision one you submit your application.
Compare this to the Bestow life insurance application which is 100% online and takes about 10 minutes. There is no medical exam, phone interview or waiting for medical records.
Bestow Term Life Insurance Application & Underwriting
The underwriting for Bestow’s term life insurance policy is quick and easy. There is no medical exam, no phone interview and no waiting for medical records. The quotes and application are entirely online and a final decision is provided once you complete the application. The application process with Bestow takes about 9 minutes from quotes to an active term life insurance policy.
The online application asks these health and lifestyle questions:
- In the past 6 months, have you lost more than 10 pounds?
Yes or No
- In the past 12 months, have you used cigarettes, E-cigarettes, pipes, vapor products, snuff, chewing tobacco, nicotine gum or nicotine patches?
Yes or No
- Have you ever tested positive for HIV through Western Blot Assay and ELISA at the direction of an insurance company or been medically diagnosed as having AIDS?
Yes or No
- In the past 12 months, have you received disability payments?
Yes or No
- In the past 12 months, has a medical professional advised you to have:
Surgery
Any test or procedure
None of the above
- In the past 10 years, have you been diagnosed or treated by a medical professional for:
Heart Disease
Organ Transplant
Peripheral arterial disease
Chronic kidney disease
Liver cirrhosis
Chronic obstructive pulmonary disease (COPD)
Aneurysm
Huntington’s disease
Amyotrophic lateral sclerosis (ALS)
Cardiomyopathy
Chronic hepatitis
Multiple sclerosis
Sickle cell anemia (not trait)
Systemic Lupus
Depression or other mental health impairment
Cancer
Alcohol abuse
Chest pain
Diabetes
Stroke or mini-stroke/TIA
Seizure disorder
None of the above
- Have you had a biological parent die before age 60 from any of the following:
Heart disease
Melanoma
Colon cancer
Ovary or breast cancer
None of the above
- Are you currently admitted to a:
Hospital
Long-term care facility
Hospice
None of the above
- In the past 12 months have you been:
Confined to a wheelchair
Diagnosed or treated by a medical professional for memory impairment
Required to use supplemental oxygen
Assisted or supervised with dressing, eating, bathing or walking
None of the above
- In the past 30 days, have you been diagnosed or treated by a medical professional for COVID-19?
Yes or No
- Are you a U.S. Citizen?
Yes or No
- Where were you born?
The U.S. or U.S. Territories
Elsewhere
- In the next 12 months, do you plan to reside or travel outside of the United States?
Yes or No
- Do you have any life insurance or annuities currently in force or pending?
Yes or No
- Employment status:
Working full-time
Working part-time
Full-time student
Part-time student
Stay at home spouse or partner
Not working
Retired
- Let’s calculate your income:
You are paid
- In the next 2 years, do you plan to:
Pilot an airplane
Scuba dive
Race a motor vehicle
Mountain or rock climb
Skydive
None of the above
- In the past 2 years, have you been declined for life insurance?
Yes or No
- In the past 10 years, have you been convicted, pleaded guilty to or have charges pending for a:
Misdemeanor
Felony
DUI/DWI for alcohol or drugs
None of the above
- How many alcoholic drinks do you have per week?
Enter number
- In the past 12 months, have you used any form of marijuana?
Yes or No
- In the past 10 years have you used cocaine, methamphetamines, heroin, opioids, hallucinogens or any controlled substance not prescribed to you by a physician?
Yes or No
The Bestow Application Process
The no exam term life insurance application with Bestow only takes about nine minutes, is entirely online and provides and instant-decision once submitted.
How is Bestow Instant-Decision No Medical Term Life Insurance Different Than Other No Medical Exam Life Insurance?
Bestow’s term life insurance application is 100% online with no:
- Medical exam
- Phone interview
- Medical records
- Need to speak to an agent
Bestow is different than most no-exam term life insurance applications. Most no-exam applications require a phone interview and possibly a medical records request before a final decision is made.
Is There A Waiting Period With Bestow Life Insurance?
No, once you provide payment and activate your policy you are covered immediately for the full death benefit. The only exclusions suicide in the first two years as well as a two year contestabilty clause if you were not honest on your application.
These are the same two exclusions that every term life insurance policy has, whether it’s a fully-underwritten or instant-decision application.
Is Bestow Insurance Legit?
Yes, Bestow Life Insurance is legit. Bestow Life Insurance is underwritten and held by North American Company for Life and Health Insurance which is A+ Superior (the highest category) rated by A.M. Best and has been in business since 1886. North American paid out nearly $600 million in death claims last year alone.
Bestow Insurance has an A+ rating with the BBB and a 4.7 out of 5 on Trustpilot with 780+ reviews.
Is Bestow Life Insurance Any Good?
Yes. Bestow Life Insurance has very competitive rates compared to a fully-underwritten life insurance application, especially on their 15 and 20 year term. In fact, Bestow (North American Life) actually had the absolute lowest rate in the entire country for a woman in her early 20’s on a $100k and $250k policy.
For those that are between the ages of 18-60 and generally have good health, no adverse credit or other underwriting issues, Bestow is very good for those looking for a fast and convenience life insurance application process.
Bottom Line
As you can seen in the Bestow Term Life Insurance Rates by Age Chart, rates range from $7 month to $224 month for those in excellent health looking for $100k up to $1million in coverage on a 10-year term, dependent on your age, gender, health, build, lifestyle and smoking status.
The major advantage that Bestow has over other accelerated underwriting life insurance is that there is never a medical exam, phone interview, medical records request for underwriting or even the need to speak to an agent. The process is 100% online, which may people prefer in this day and age.
As you can see, Bestow often has the best rates in the country for instant-issue no exam term life insurance compared to their competitors.
FAQ
Are Bestow life insurance rates fixed?
Yes. Bestow offers level term life insurance. This means the rate is fixed for the term you select. You can choose either: 10, 15, 20, 25 or 30 year, just depending on your age.
Is there a penalty to cancel early?
No. You can cancel anytime without a penalty.
Is there a conversion option?
No. Once your term is over the policy expires.
How long does the entire process take with Bestow Life Insurance?
The application process with Bestow takes on average amount 9 minutes.
Does Bestow Life Insurance have any exclusions?
Yes. Bestow insurance has the same two exclusions that all term policies have. A two-year contestability clause if you lied on your application as well as a two-year suicide clause.
Is Bestow Life Insurance a good deal?
Yes. For those that do not want to do a medical exam or phone interview with the insurance company or even speak to an agent, Bestow is an excellent deal. In fact, Bestow has lower rates than with the exam for younger applicants in excellent health.
What is Bestow Life Insurance rating?
Bestow itself is not the insurance company, rather their policies are underwritten by North American Company for Life and Health Insurance which is A+ (Superior) rated by A.M. Best and has been in business since 1886.
How much is Bestow term life insurance?
Bestow term life insurance rates range from $7 month up to $224 month or more depending on your age, gender, health, lifestyle and tobacco usage.
Instant Bestow term life insurance quotes
Receive instant no-exam term life insurance quotes from Bestow by using the quoter below.
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