Bestow Term Life Insurance Rates by Age Chart 2022

Bestow term life insurance rates chart

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.

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
20Male$10$15$22$38
20Female$7$8$10$14
21Male$10 $15 $22 $38
21Female$7 $8 $10 $14
22Male$10 $15 $22 $38
22Female$7 $8 $10 $14
23Male$10 $15 $22 $38
23Female$7 $8 $10 $14
24Male$10 $15 $22 $38
24Female$7 $8 $10 $14
Bestow term life insurance policy monthly rate premiums for ages 20-24 man and woman

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
25Male$10$15$22$38
25Female$7$8$10$14
26Male$10 $15 $22 $38
26Female$7 $8 $10 $15
27Male$10 $15 $22 $38
27Female$8$8 $10 $16
28Male$10 $15 $22 $38
28Female$8$9$11 $22
29Male$10 $15 $22 $38
29Female$8$9 $11$17
Bestow term life insurance policy monthly rate premiums for ages 25-29 man and woman

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
30Male $10 $15 $22 $38
30Female $7 $8 $10 $18
31Male$10$15$22$38
31Female$8$10$12$19
32Male$10$15$22$38
32Female$8$10$12$19
33Male$10$15$22$38
33Female$8$10$14$20
34Male$10$15$22$38
34Female$9$10$14$21
Bestow term life insurance policy monthly rate premiums for ages 30-34 man and woman

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
35Male$11$16$24$42
35Female$9$12$15$24
36Male$12$18$26$46
36Female$9$13$17$27
37Male$12$20$28$50
37Female$9$13$17$27
38Male$12$21$30$54
38Female$10$15$20$34
39Male$14$22$32$58
39Female$11$16$22$37
Bestow term life insurance policy monthly rate premiums for ages 35-39 man and woman

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
40Male$14$24$34$62
40Female$11$18$23$41
41Male$15$25$36$66
41Female$12$19$25$44
42Male$15$27$38$70
42Female$12$20$27$48
43Male$16$29$40$73
43Female$13$21$29$51
44Male$17$30$42$77
44Female$13$22$30$55
Bestow term life insurance policy monthly rate premiums for ages 40-44 man and woman

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
45Male$18$33$45$85
45Female$14$24$32$59
46Male$19$36$50$93
46Female$15$26$35$64
47Male$20$39$53$101
47Female$16$28$37$68
48Male$21$41$57$109
48Female$17$30$40$73
49Male$23$45$61$141
49Female$17$32$42$77
Bestow term life insurance policy monthly rate premiums for ages 45-49 man and woman

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
50Male$24$56$65$125
50Female$18$34$45$83
51Male$25$50$69$132
51Female$19$36$48$89
52Male$26$53$73$140
52Female$20$38$50$94
53Male$27$56$77$148
53Female$21$40$53$100
54Male$29$59$81$156
54Female$22$42$56$106
Bestow term life insurance policy monthly rate premiums for ages 50-54 man and woman

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
55Male$30$62$85$164
55Female$22$43$58$111
56Male$31$64$89$172
56Female$23$45$61$116
57Male$32$67$93$179
57Female$24$47$65$123
58Male$34$70$101$196
58Female$25$49$72$138
59Male$36$73$115$224
59Female$27$51$78$151
Bestow term life insurance policy monthly rate premiums for ages 55-59 man and woman

*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.

CompanyRatingExamTerm$500k of coverage
BestowA+No20-Year$52
EthosA+No20-Year $68
SprouttANo20-Year $73
Ladder LifeA+No20-Year $86
Haven LifeA++No20-Year $92
Bestow Life vs. Ethos vs. Ladder Life vs. Sproutt vs. Haven Life monthly premium rates for $500k life insurance no medical exam 20-year term

*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 Secret15 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

Bestow sample rates for $500 10-year term vs. competitors
Bestow Life Insurance has the lowest rate in the country for a woman in her 20's in excellent health
Bestow literally has the lowest rate in the entire country for a 24-year old female for a $500k 10-year term policy.

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.

About Bestow Life Insurance application process, how it works

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 Life Insurance Quotes

See instant term life insurance quotes from Bestow. Use the quoter below.

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