Bestow uses proprietary algorithms to do our own underwriting.
North American Company for Life and Health Insurance® retains the risk.
North American Company for Life and Health Insurance® adjudicates and pays claims.
Bestow acts as a Third Party Administrator for North American Company for Life and Health Insurance®. Bestow processes all new business, handles all customer service and pays all commissions. Our goal is for agents to have a single point of contact in Bestow. You can see a full breakdown of responsibilities here.
Our unique digital application process and underwriting your prospects (in as little as 9 min) is industry leading. The opportunity to offer an instant decision at the end of the application process would be a differentiator in your business.
We may appear in quote engines in the future, but we will not be on Drop Ticket.
Bestow offers competitive rates as well as a best-in-class experience.
There are six rate classes including two tobacco classes — Elite NT, Preferred NT, Select NT & T, Essential NT & T.
Our Agent Experience Team will be the main contact for contracting. We will work with the Broker General Agency. If interested, please contact your BGA.
Our Agent Experience Team will be the main contact for contracting.
Yes, Broker General Agencies can have 2 levels below them (e.g. Agency & Agent). Bestow will work with you to establish your downline. Bestow will be the main contact for contracting and appointing.
Please contact the Agent Experience Team or your Broker General Agency for an appointment.
Our Agent Experience Team will be the main contact. When you’ve completed agent onboarding, we'll send a unique URL in a welcome email and copy your upline.
Our Agent Experience Team will be the main contact and will cc you when your downline has been appointed and issued their unique URL.
Commissions are paid on a monthly basis. We gather all business sold in a month and typically pay that commission via direct deposit on the 15th of the following month. Commission and Book of Business Reports are sent to all paid BGAs, Agencies, and agents at that time.
Yes, chargebacks take place in the following scenarios:

  1. A 30 Day Free Look Cancellation that takes place which bridges over a 2 month period
  2. Any cancellation where unearned commissions exist
  3. Rescission of coverage

Chargebacks take place in the commission period in which it occurs.
Any policy fees are included in the premium and we pay commissions based on the total premium.
Bestow uses our proprietary underwriting algorithms to make underwriting decisions.
Accept/Reject with six rate classes — Elite NT, Preferred NT, Select NT & T, Essential NT & T.
Bestow reports medical conditions and other information to MIB, we do not report Decline statuses to MIB.
No, we do not allow underwriting appeals.
Yes — it’s part of our 3rd Party Data vendor access inputs.
We have an Agent Handbook and an Enrollment Demo for BGAs, Agencies and agents. Our Agent Experience Team does live training webinars by request.
You can email or text these unique URLs to your prospective customers. You can also reference them from your own website. You cannot post your Bestow URL directly to social media, e.g. Facebook, Twitter, LinkedIn.
No, each applicant must fill their application out on their own device.
Monthly Commission and Book of Business Reports are sent to all paid BGAs, Agencies, and agents. Application data reporting is available at the BGA level.
Please ask your customer to contact Bestow via the toll free number 833-300-0603 or log into their customer portal.
Agents should remain removed from this process. For all claim notifications the beneficiary should be referred directly to Bestow at 833-300-0603 or to bestow.com/file-a-claim/ to submit an online request.
Have another question? Reach out to get an answer