Algorithmic underwriting with no medical exam required for up to $1.5M coverage.
Get started at Bestow → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Buyers who want zero-friction underwriting and don't need rider customization.
Bestow — Algorithmic underwriting with no medical exam required for up to $1.5M coverage. Best for: Buyers who want zero-friction underwriting and don't need rider customization.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
No. Bestow uses fully algorithmic underwriting with no medical exam required for up to $1.5M in coverage, and a quote typically completes in under 5 minutes.
Bestow offers term coverage from $100K to $1.5M, with the full $1.5M available without bloodwork or a medical exam. Term lengths range from 10 to 30 years.
Bestow is best for buyers who want zero-friction, no-exam underwriting and don't need rider customization. Healthy applicants ages 18-60 tend to get the smoothest experience.
Bestow policies are underwritten by North American Company for Life and Health, which carries an A+ (Superior) financial-strength rating from A.M. Best.
Skipping the medical exam can mean higher premiums — Bestow's pricing typically runs about 10-25% above traditional exam-based policies — plus limited rider options and a maximum issue age of 60. ClearValue is a comparison platform; confirm current pricing directly with Bestow.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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