100% Digital

Instant Decision Life Insurance

Your clients can apply, qualify, and get coverage in as little as 9 minutes.

Get Appointed

No Exam. EVER.

No case management

Fast decisions

Fully underwritten pricing

Agent Resources

Everything you need to start selling with Bestow

Your unique URL is now your easiest way to sell.

Clients can go from quote to covered in as little as 5 minutes.

Clients answer simple health and lifestyle questions

Get underwriting results in about 60 seconds

If approved, coverage begins upon payment

Bestow’s application process is 100% online.

That means your client won’t have to submit to a medical exam. It also means they won’t have to wait around for the results before seeing their rate. End to end, a customer may apply, qualify, and get coverage in as little as 9 minutes.

Bestow Owns the Entire Customer Journey from End-to-End

100% digital, 0% paperwork

No forms, no files, no following up. Your clients get an instant decision. You collect a commission and keep on selling.

Get Appointed

Agent Resources

Information, collateral, and leave-behinds for you and your prospects.

Frequently Asked Questions

Ideal Client Eligibility
- Ability to read and answer online questionnaire in English without translation aid
- Apply from within the U.S.
- U.S. Citizen or Green Card Holder
- H-1B, H-1C, L-1A, L-1B, TN-1, E-1, E-2, E-2C, E-3, EB-5, K-1, K-3 Visa with minimum 2 years of residence in the U.S.
- Permanently resides in the U.S, excluding NY
- Preferred, standard and low substandard risks only
- No indication of high insurance shopping activity with poor disclosure
- Not recently declined by another carrier for medical or criminal history reasons
- No history of criminal activity in the past 10 years
- No DWI/DUIs in the past 5 years
- No indication of adverse financial profiles or credit issues
- BMI 18.5 to 39.9

Possible Insurable Scenarios
- Chest pain, non-cardiac related
- Depression, mild with first-line treatment
- Anxiety, mild with first-line treatment
- Attention deficit disorder, mild with first-line treatment
- Obsessive-compulsive disorder, mild with first-line treatment
- Seizure disorder, well-controlled
- Upcoming surgery or procedure
- Type 2 diabetes age 30 and over, well-controlled, treated with oral medication only (no insulin)
- Hepatitis, acute and recovered
- Sickle cell trait (not disease)
- Skin disorders, including basal cell or squamous cell carcinoma
- Disability payments within the past 12 months
- Well-defined mild marijuana usage

Uninsurable Scenarios
- Alcohol abuse
- Amyotrophic lateral sclerosis
- Aneurysm
- Bipolar disorder
- Cancer (other than basal cell & squamous cell)
- Cardiomyopathy
- Chronic hepatitis
- Chronic kidney disease
- Chronic obstructive pulmonary disease
- Diabetes (Type 1)
- Eating disorder
- Heart disease or failure
- HIV positive or medically diagnosed as having AIDS
- Huntington’s disease
- Liver cirrhosis
- Multiple sclerosis
- Organ transplant
- Peripheral arterial disease
- Post-traumatic stress disorder
- Psychosis
- Schizophrenia
- Sickle cell disease (not including the trait)
- Stroke (mini-stroke/TIA may be insurable)
- Systemic Lupus
- Any use of cocaine, methamphetamines, heroin, opioids, hallucinogens or any controlled substance not prescribed by a physician
- Currently in a hospital, long-term care facility or hospice
- Confined to a wheelchair, had any memory impairment, or used supplemental oxygen within the past 12 months
- Received assistance or supervision with dressing, eating, bathing, toileting, or moving around the house within the past 12 months
- Unexplained weight loss

Mobile Demo

Get Contracted Today!

Start offering your clients the Bestow experience

Submit Request

Author: Cameron Greenlaw

Broker

Instant Offer Life Insurance with Bestow now available!

100% Digital

Instant Decision Life Insurance

Agent Resources

Your unique URL is now your easiest way to sell.

Bestow’s application process is 100% online.

Bestow Owns the Entire Customer Journey from End-to-End

100% digital, 0% paperwork

Agent Resources

Frequently Asked Questions

Mobile Demo

Get Contracted Today!

Author: Cameron Greenlaw

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