Best for No-Exam Life Insurance
If you’ve been putting off getting life insurance because you don’t want to go through a lengthy application process or deal with the hassle of a medical exam and tests, Bestow may be an excellent option for you. You can get a substantial amount of term life insurance without a medical exam, and your coverage can begin as soon as the same day you apply, making Bestow our top choice for no-exam life insurance.
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Bestow Life Insurance Pros and Cons
Pros
- No medical exams required
- Up to $1.5 million in coverage available
- Get coverage as soon as the day you apply
- Long, 30-day guarantee
Cons
- Only sells term life insurance
- Policies not available in New York
- No insurance riders available
Pros explained
No medical exams required
Applying for life insurance usually involves answering questions about your health and undergoing a medical exam and lab work. No-exam life insurance policies like those Bestow offers skip those requirements.
Up to $1.5 million in coverage available
Typically, coverage for a no-exam policy Is limited to $500,000 or less. But Bestow offers up to $1.5 million in term life coverage without a medical exam.
Get coverage as soon as the day you apply
Fully underwritten policies with medical exams can take weeks to finalize. Simplified underwriting such as Bestow’s can allow more rapid approval, and your policy may go into effect as soon as the same day you apply, the company says.
Life insurance policies usually have a 10-day free look period where you can cancel your policy and get a full refund. With Bestow, you’re covered by a 30-day guarantee. If you cancel your coverage within 30 days of its issue date, you’ll get a full refund.
Cons explained
Only sells term life insurance
Where many or most life insurers sell term, whole, universal and variable universal life insurance, Bestow only sells term life insurance. If you’re …….