Applicants answer questions about their lifestyle and health through our simple online form. Bestow’s in-house underwriting platform instantly processes that data through our encrypted channels in a method called accelerated underwriting. This intelligent framework enables us to fully assess the risk of each applicant individually, without a medical exam, to get an underwriting decision instantly. Approved applicants get real rates, not quotes, at an affordable monthly price. Learn more about our underwriting process here. 

Did this answer your question?