Bestow
Parent Rankings Score
8.9/ 10 · Editorially reviewed
No medical exam, no waiting — real coverage today
From $24/month
Why We Like It
Bestow's no-exam model is a genuine differentiator for busy parents who want coverage now, not after a nurse visit and weeks of underwriting. For healthy applicants under 60, their rates are competitive and the experience is the fastest in the industry.
Editor's Verdict
Best No-Exam Option in life insurance.
8.9/10
Pros & Cons
Pros
- 100% no medical exam — apply and get covered online in under 10 minutes
- Competitive rates for healthy applicants under 60
- Backed by North American Company (A+ AM Best)
Cons
- Coverage capped at $1.5M — lower than some competitors
- No riders or supplemental options
Score Breakdown
Safety
9.3
Value
9.1
Ease
9.5
Quality
8.9
Overall Score
8.9
Insurers were evaluated on term life rates for healthy 35-year-olds, application ease and speed, financial strength ratings, coverage flexibility, and customer claims satisfaction.
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