Advisors Blog

Introducing Bestow - A Revolutionary Way to Sell Life Insurance

Published on September 14, 2021


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A Revolutionary Way to Sell Life Insurance:
Introducing BESTOW.

Gallagher is partnering with a new carrier with strong financial backing, and leading-edge technology with the goal of helping clients get term life insurance faster and easier than ever. No hoops, no headaches, just insurance .

Bestow’s application process is 100% online. Clients have the freedom to complete their application anytime, anywhere, and with no exams and automated underwriting, your clients will receive a decision on the spot. From beginning to end, a client may apply, qualify, and get coverage in as little as 5 minutes!


  • Issue Ages 18-60
  • 10, 15, 20, 25 & 30 Year Term.
  • Between $50,000 - $1,500,000 in coverage 
  • Bestow's max line of $1.5M is based on self-disclosed income and a multiplier based on age. Any inforce policies with other carriers will be calculated against the max line eligibility. 


  • Watch this one minute video of the Bestow process.
  • Get pre-appointed. You must be pre-appointed with Bestow before clients can submit an application.
  • Once appointed you will have your own unique URL and landing page where your clients can apply.
  • Clients can start applying and get coverage while you sleep using Bestow's unique 5 question mini-application online. 


  1. The Bestow Difference flyer - See why agents and clients alike love Bestow.
  2. One minute Video walkthrough of the Bestow process - See exactly how fast and simple Bestow makes the entire process.
  3. Bestow FAQs - Get your questions answered!
  4. Bestow Social Media Assets - Promote yourself on social media!
  5. Bestow Agent Handbook - Everything you need to know about Bestow.



No exams. There are no exams, no lab tests, no waiting around for results. Clients won’t have to visit a doctor’s office and won’t need to have anyone come to their home. It’s truly zero touch.

Shorter application time. Bestow’s application is 100% online. Clients answer simple health and lifestyle questions and, if qualified, get their rate in minutes.

Competitive pricing & super fast decisions. No exams and automated underwriting means your client will have a decision on the spot.

No case management. Bestow’s streamlined, all-digital process means no chasing forms or missing information, and no waiting around for an underwriting decision.

No policy delivery. Bestow will automatically deliver your client’s policy to them once it has been issued.

More flexibility. Give your clients the freedom to complete their application anytime, anywhere. The 100% online process is quick and easy, and can be completed any time, day or night, from a computer or mobile device.

Privacy & accuracy. Clients may feel more comfortable disclosing sensitive information when the process takes place online, as opposed to working with a live representative.

Easy to understand. Insurance can feel complicated. Bestow simplifies the process and the language to make it approachable and easy to understand for your clients

Helpful team. Your clients may have questions along the way. Our helpful customer support team is available by phone, email, and even online chat.

Client follow up. If your client starts the application process but doesn’t complete the journey, we’ll send a series of friendly reminders to help encourage them to cross the finish line


For agent use only - not for use with the general public.

Corporate CA License No. 0D87913


21820 Burbank Blvd., Suite 301

Woodland Hills, CA 91367

Phone: (800) 473-5966


GBS Insurance and Financial Services, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

© 2021 Arthur J. Gallagher & Co.

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 August 19, 2020. 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.




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