Moms Need Life Insurance Too (This Helpful Service Makes Applying a Breeze!)

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Want to help take care of the people you love? Bestow makes applying for term life insurance easy!

woman on laptop

Apply in minutes for up to $1.5 million in term life insurance with Bestow!

According to, 43% of adult women do not have life insurance. The ones that do only have about a quarter of the coverage needed. With this in mind, consider encouraging the moms in your life (especially if that includes yourself!) to apply for life insurance.

Life insurance can be an important option for anyone who has a spouse, children, or aging parents who depend on your income. And with almost half of women not being covered, it’s even more important to consider protecting your loved ones while giving you peace of mind.

Even if you’re not the breadwinner in your household, consider everything your family depends on you to do for them. How much would it cost to have someone fulfill all of those responsibilities in your absence? Life insurance can be an easy way to help make sure that they’re taken care of after your death.

mom and baby

Maybe you’ve entered a new phase of life, like marriage or parenthood. Perhaps you live alone but want to make sure that your funeral expenses won’t be a financial burden to your loved ones. Maybe you just need a life insurance policy to help supplement your employer’s group policy with extra protection.

No matter what your situation, you probably need life insurance, and it’s important to make sure that you have the coverage your individual situation requires. That’s where Bestow can help!

MacBook showing Bestow Life Insurance FAQ page

Even though the idea of buying life insurance can feel a little intimidating, it doesn’t have to be a hassle! Bestow makes it easy to apply for term life insurance online without any paperwork, sales calls, or visits to the doctor’s office for a medical exam. Their application asks about your lifestyle and health to determine eligibility in order to avoid requiring a medical exam.

Best of all, the whole application process can be completed in as little as 5 minutes, leaving you with a decision or offer right away if you qualify!

woman using laptop

Bestow offers term life insurance policies starting at just $10 a month, with face amounts ranging from $50,000 to $1.5 million. Coverage is available in term lengths of 10, 15, 20, 25, and 30-years.

Policies purchased through Bestow are issued by the North American Company for Life and Health Insurance®, which has a Superior A+ rating from A.M. Best. Bestow simply takes on the role of making the application process easy and convenient.

woman holding baby and using laptop on Bestow life insurance website

If you’re between the ages of 18 and 60, you can apply for a free quote right from your computer, tablet, or phone. Note that Bestow’s application does request a soft credit inquiry, which will not impact your credit score.

They follow the FCRA, so you know your information is kept confidential. The application process is super simple and if approved, you can choose to link your credit card for easy monthly payments.

mother and daughter on tablet bestow life insurance

On the fence? Check out these raving reviews from folks who have used Bestow:

“I’m trying to break the generational curse of not understanding finances. I wanted to make small investments for my son and realized life insurance was a big step that I was missing. The site made signing up hassle-free and easy. I could not believe how easy it was and now I regret waiting so long.” ⭐⭐⭐⭐⭐ – Taeysha 

“The best part was that I could do everything online and didn’t end up with 15 voicemails from agents afterward. Everything was clear and easy to understand.” ⭐⭐⭐⭐⭐ – Emily E.

“I’m basing this review on the ease of obtaining coverage. It was the easiest thing I’ve done in a while. I have peace of mind knowing my girls will be taken care of if anything terrible happens. The best part was no blood draws or doctors. Highly recommend!” ⭐⭐⭐⭐⭐ – Blake

“I was initially going to purchase additional life insurance coverage through my employer, but, after comparing premiums, Bestow came out as the clear winner.” ⭐⭐⭐⭐⭐ – DT

“The sign-up process was super fast. I was able to complete a few questionnaires right from my phone, which took about 10 mins. Once complete, the app returned an instant rate quote. Additionally, I was able to select from an impressive range of coverage for my budget and needs.” ⭐⭐⭐⭐⭐ – Justin S

“In a matter of minutes, I had a 20-year, $500,000 policy in place with a monthly premium less expensive than the $100,000 policy I had.” ⭐⭐⭐⭐⭐ – Randy

parents and child with dog

Bestow’s application process is pretty much a no-brainer. Head to the Bestow website to find out just how easy it is to apply for the coverage your family deserves.

Life insurance quotes provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life Insurance Policies offered by Bestow are issued on policy form LS181 and LS182, or state version including all applicable endorsements and riders, by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. North American is rated A+ (Superior) by A.M. Best. A+ (Superior), the second highest rating out of 15 categories, was affirmed by A.M. Best for North American Company for Life and Health Insurance as part of Sammons Financial Group on July 30, 2021. A.M. Best is a large third party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligations to policyholders. Our application asks about your lifestyle and health to avoid requiring a medical exam.

About the writer:

Jenna has a Bachelor's Degree from Lycoming College and her Master's from Penn State, holding 4 years of writing experience between a variety of publications and Hip2Save.

Join The Discussion

Comments 22

  1. Annie

    I think Bestow is doing a great job. It is backed by 2 well respected companies in the insurance industry and their instant decision/no exam insurance is the cheapest I have found.

    That said, if you don’t mind an exam then you can often get the same policy cheaper through the more traditional insurance companies (or something like Select Quote or Policy Genius).

    For me, I am choosing a Bestow policy because I had a bad experience with Life Insurance labs previously. Very worth it and took me less than 10 minutes from start to paying for my policy.

  2. Cm

    Whole life and universal life are permanent policies – they typically stay with you no matter how old you get and premiums are usually constant throughout , term policies like this one are temporary policies. Think of permanent policies as owning a house and term policies are like renting. At the end of the term, you no longer have a policy. So if you buy a 20 year term policy, after 20 years, you no longer have a policy and if you want life insurance, you’ll have to buy a new policy at the older age, which is always going to be at a higher premium the older you get.

    So why would anyone buy a term policy? It’s less expensive than the a permanent policy for the same amount of coverage. It’s good for those who need life insurance to make sure their family is taken care of but they can’t afford the higher cost of a permanent policy. For example, if you buy a $200k house with a 30 year mortgage, you might want to get a 30 year term policy for $200k in coverage. That way if something happens to you tomorrow, your family won’t have to give up the home.. even better is that they wouldn’t have to pay taxes on it.

    It’s always good to have a mix of term and permanent policies. Even if you have it through your work, you should still have your own policy. Life insurance through work is usually cheaper because it’s a group policy, so you’re essentially getting a discount because you’re part of the group. But that also means that if you leave that place of employment, you usually can’t take it with you… you quit, you get fired, you retire, you’re laid off, etc. Unless you plan on dying while you’re still working, you’ll want to get your own policy outside the work place. Again, it gets more expensive every year and at some point, you might no longer qualify to buy it, due to age or new health issues. This is one reason to get your kids their own permanent life policy as early as possible. It’s cheap to start at their age and they can take it into adulthood with them and won’t have to go through underwriting for that portion.

    Sorry for the long response, hope that helps.

    • xoxos

      Very helpful! Thanks for your insight, this was all new info for me.

    • Clarap

      Thank You so much for explaining so clearly as purchasing Insurance can be quite a confusing process. I now understood why whole life cost so much more and the difference between the two.

    • JD827

      A Star Hip2Saver is a recognized member of our Hip2Save community hand selected by our team for demonstrating a long history of engagement with helpful & friendly comments across and our social channels. Our Star Hip2Saver badge acts as a verification for readers who know the ins and outs of all Hip2Save sets out to accomplish — assisting our community to live extraordinary lives on ordinary budgets. Readers cannot pay or provide any sort of exchange in order to earn this badge. Rather, they are invited to participate by a member of the Hip2Save team and opt to have the Star Hip2Saver badge added to their profile & comments.

      That is superb advice. Do have more than one policy. My husband had two policies. One paid very quickly which is what I used to pay funeral expenses. One took 6 months to pay. If I hadn’t been working the kids and I would have been in real trouble. you think that once you are older and the children are gone you won’t need life insurance but life is unpredictable. Many grandparents never thought in a million years that they would be raising their grandkids but they are and at that age it is very hard to get. Go to the library and get several books on life insurance. You can’t make good decisions and ask good questions without a little background information.

    • Charlotte Esquivel

      I really appreciate this. You have helped me a lot – this is a godsend. Thank you.

    • Katie

      Ok so my dad was killed when I was younger. Because of that I was set to get life insurance when pregnant with my first. Then we took out second policies two years later. We do think we have enough coverage for my husband and ok coverage for me. All four policies are 30 yr term. We did all we could and we do not have any more money to put towards life insurance but should anything happen our three little kids should be ok financially. I suggest to everyone no matter how poor that they have life insurance if they have kids. So my question is..should we try to get even More coverage that’s permanent?? We collectively have about 2 million in life insurance. It’s worth it to me to have peace of mind.

      • A

        Cm..Thanks for explaining & making it so easy to understand. Katie can you please share which insurance do you have? We have one & it’s term. If we go for permanent the payment is very high. Thanks!!

  3. Dee

    Make the time to look at your policies. Don’t put it off. Then run some scenarios in your head. If something should happen to my college student, who has $50,000 in student loans, am I in a position to pay that off? What if I lose my job? One of the hardest parts of the pandemic for the financial advisor in the family has been the phone calls, usually from an elderly woman, saying, “He said he took care of me.” There’s fear in their voices because they have NO IDEA if they are taken care of or not, because their husband handled all the money. Sometimes, he took care of her, sometimes there’s enough to bury him and that’s about it. Unfortunately, the people who don’t have a lot of money are the ones who really, really need life insurance. Make sure you know what you have and what you don’t. Get several quotes from different companies. Some are good at hiding fees.

    • DebJ

      If a student dies with college debt that is not the responsibility of the parent to pay unless they co-signed.

      • Dee

        Federal loans are discharged, but what happens with private loans varies. You should know and be prepared in case the worst happens.

  4. mrun1970

    Thank you so much for this. My policy just ended this year, I’m 50 and the renewal was going to be $250 a month. For the same amount of coverage, $300,000, I was able to obtain a policy for $110 a month

    • Amber (Hip Sidekick)

      You’re so very welcome! Glad this was helpful!

  5. A.B.

    Wow, thank you all so much for sharing in this post, it’s such good information! I need to get myself in gear and review our policies, thank you again! 💕

    • Amber (Hip Sidekick)

      You’re most welcome!

  6. TraceyBR

    I just got a new policy with another company because I went from working full-time to part-time so no company life insurance now; such a hassle to go through hour-long phone calls, nurse visit, emails, etc. I just went to the Bestow link to see if the cost would be a little cheaper. I’m 5″10″ and 125 pounds & have been for 30+ years – was denied as my “BMI was outside their parameters”. Darn high metabolism… Maybe I should try again after Christmas when I’ve eaten more.
    Thanks for the info though, it is so important to make sure your family is taken care of if anything happens. It is also super important to have everything in place as well. My brother, who had recently divorced and has four sons, passed away and had no will. It was not easy to get everything all together for sure. There’s a great book called “In Case You Get Hit by a Bus” that is easy to read and has so many helpful tips on how to have your finances in order so that your loved ones will have one less thing to stress about wen the time comes.

  7. Mama2Nine

    I am looking for insurance, but I refuse to use any policy that requires labs. I had two !horrible! experiences with labs, and one insurance company put all of my husbands medications down as I take them and I don’t take any medication. It raised my premium crazy high with his health issues. They said that they had no way to fix it. It’s such a mess. The people that come to draw labs were not properly trained. My husband worked at/ran over a dozen hospitals for over two decades. He knew immediately they didn’t know what they were doing. It was scary. Never again!!!!!
    Any suggestions for a company without lab work?

  8. kadysiga

    I am sorry, this is totally off-topic, but is that a “skin” or sticker on your laptop/tablet? I love the pretty flower design, and have wanted to ask about it every time I have seen it. I always like things that pretty up every day items😀

    • Amber (Hip Sidekick)

      No worries! I’m loving it too!😍 You can grab it from Amazon!

      • kadysiga

        Great, thank you so much!

  9. Kristen

    Hi, I tried applying but I was rejected due to having anxiety. 🙁 Which then makes me more anxious!

    • Kristen

      But thanks for posting and for all of the helpful comments. 🙂

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