The next generation of life and annuity technology

Launch new products faster. Reduce costs. Grow market share.

The next generation of life and annuity technology

Launch new products faster. Reduce costs. Grow market share.
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Drive transformation

Your brand, our tech

We build the tailored technology solutions you need to modernize and innovate quickly, with data-backed confidence.

Bestow Platform

  • Get the digital application experience modern agents and customers expect, tailored to your business needs.
  • Leverage cutting-edge underwriting tech to reduce costs and quickly launch new products with your rules and your pricing.
  • Streamline operations with tools and portals for underwriters, agents, admins, and customers.

Bestow Data Solutions

  • Enrich your data through our sophisticated modeling engine for targeted audience segmentation and funnel enhancements.
  • Get best-in-class customer insights for optimized marketing spend.
  • Deploy robust audience mapping for more cost-efficient cross-selling and product routing.

Carriers see the benefits of partnering with Bestow

  • <6 months Time to Market

    Products are launched in months, not years.

  • 24% of Cost Reduction

    Lower per-policy costs within the first year.

  • 81% of Instant Decision

    Streamline application and reduce UW costs.
Proven advantages
Life insurance is a complex business with complex challenges. Bestow offers a proven solution to many of your biggest pain points. 
Grow faster
Streamline the funnel with digital application tools and market-informed instant underwriting.
Unlock a new audience
Meet the modern consumer where they want to shop and be better positioned to grow with them, evolving your business to meet their changing needs.
Implement rapidly
Launch optimized digital processes and white-labeled life products in as little as 4-6 months.
Reduce costs
Get all the benefits of cutting-edge technology and process optimization for a fraction of the cost of an internal build. 
Optimize expenses
Quickly realize efficiencies that can lower the cost to acquire a customer by as much as 24%.
Innovate effectively
Speed up your innovation cycle with a tech-focused test-and-learn approach — product changes in weeks, pricing changes in days.

From acquisition to administration

Discover how Bestow helps you transform the entire value chain of your life and annuity business.

Delivering results for industry leaders
Helping top carriers innovate at speed.
Delivering results for industry leaders
Helping top carriers innovate at speed.
Get started today

Learn about Bestow’s suite of solutions, and discover how we can help you modernize and launch new products at unprecedented speed.

Portrait of Lena Chukhno, CRO
Lena Chukhno, Chief Revenue Officer

How Bestow helps across your organization

Leverage Bestow’s technology and data expertise, and our deep insurance industry knowledge, to make life easier across your entire organization, from Business Strategy straight through to Customer Experience.

Abstract chart showing growth

Drive growth

Unlock new markets, launch new products, and optimize existing offerings.

Icon of customer with three stars over head

Improve customer experience

Get the new business and servicing experiences your customers expect.

Underwriting document with dollar sign

Optimize underwriting cost

Guide the right customers to the right products and streamline underwriting.

Target centered on a monitor

Accelerate speed to market

Launch new products in months; adjust pricing in days.

Learn more
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Business enablement

Leverage powerful tech to serve business partners more easily and efficiently.

Integrated browser window and grid

Easy integrations

Seamlessly integrate software solutions tailored to meet your business needs.

Cloud surrounded by monitor, gear, and stack icons

True SaaS solution

Tackle your organization’s biggest pain points with a fully managed software suite.

Browser window with line chart and lightning bolt

Accelerate innovation

Empower your team with the digital infrastructure to be agile and proactive.

Calendar with lightning bolt

Implement rapidly

Stand up and launch new insurance products in months, not years.

Gear icon with distribution lines to four areas

Unleash distribution

Broaden your market approach with new distribution channels.

Mobile phone with puzzle piece

Refine continuously

Test, learn, make changes quickly, and easily implement new product features.

Gear icons with dollar sign

Agile pricing power

Respond to market conditions with pricing adjustments that take mere days.

Decision path with arrows

Accelerate decision-making

Leverage multi-path decisioning with both automated and underwriter referral options.

Underwriting document with dollar sign

Optimize underwriting cost

Make faster, smarter decisions with digital tools, processes, and data insights.

Balanced scale

Balance risk and competitiveness

Thread the needle between pricing, eligibility, and mortality.

Window with chart and folder icons

Robust workbench

Give your underwriters the digital tools they need to work smarter, not harder.

Pointed finger tapping on a tablet with lightning bolt on screen

Next-gen purchasing experience

Meet your customers where they’re at with the online buying experience they expect.

Monitor with browser window

Empowered self-service

Customer portal lets policyholders handle up to 97% of service requests.

Customer service agent with check mark

Service burden reduced

Ease volume and stress on Customer Support functions with self-service portal.

Finger pointings towards multiple people

Staffing flexibility

Empower your own team or leverage Bestow’s trained customer support agents.

Learn more

Business Strategy

Abstract chart showing growth

Drive growth

Unlock new markets, launch new products, and optimize existing offerings.

Icon of customer with three stars over head

Improve customer experience

Get the new business and servicing experiences your customers expect.

Underwriting document with dollar sign

Optimize underwriting cost

Guide the right customers to the right products and streamline underwriting.

Target centered on a monitor

Accelerate speed to market

Launch new products in months; adjust pricing in days.

Learn more

Technology

Tool box icon

Business enablement

Leverage powerful tech to serve business partners more easily and efficiently.

Integrated browser window and grid

Easy integrations

Seamlessly integrate software solutions tailored to meet your business needs.

Cloud surrounded by monitor, gear, and stack icons

True SaaS solution

Tackle your organization’s biggest pain points with a fully managed software suite.

Browser window with line chart and lightning bolt

Accelerate innovation

Empower your team with the digital infrastructure to be agile and proactive.

Learn more

Insurance Product

Calendar with lightning bolt

Implement rapidly

Stand up and launch new insurance products in months, not years.

Gear icon with distribution lines to four areas

Unleash distribution

Broaden your market approach with new distribution channels.

Mobile phone with puzzle piece

Refine continuously

Test, learn, make changes quickly, and easily implement new product features.

Gear icons with dollar sign

Agile pricing power

Respond to market conditions with pricing adjustments that take mere days.

Learn more

Underwriting

Decision path with arrows

Accelerate decision-making

Leverage multi-path decisioning with both automated and underwriter referral options.

Underwriting document with dollar sign

Optimize underwriting cost

Make faster, smarter decisions with digital tools, processes, and data insights.

Balanced scale

Balance risk and competitiveness

Thread the needle between pricing, eligibility, and mortality.

Window with chart and folder icons

Robust workbench

Give your underwriters the digital tools they need to work smarter, not harder.

Learn more

Customer Experience

Pointed finger tapping on a tablet with lightning bolt on screen

Next-gen purchasing experience

Meet your customers where they’re at with the online buying experience they expect.

Monitor with browser window

Empowered self-service

Customer portal lets policyholders handle up to 97% of service requests.

Customer service agent with check mark

Service burden reduced

Ease volume and stress on Customer Support functions with self-service portal.

Finger pointings towards multiple people

Staffing flexibility

Empower your own team or leverage Bestow’s trained customer support agents.

Learn more

Develop and launch new products in months, not years.

What is Bestow, exactly?

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Latest news
Get the latest Bestow news, leadership bylines, and partner success stories. 
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Sammons Financial® is the marketing name of Sammons® Financial Group, Inc. and its member companies. Sammons Financial Group is comprised of North American Company for Life and Health Insurance®, Midland National® Life Insurance Company, Sammons Institutional Group, Inc., Beacon Capital Management, and Sammons Financial Network® LLC, member FINRA. Annuities and life insurance are issued by either Midland National Life Insurance Company or North American Company for Li60 and Health Insurance; product guarantees are solely the responsibility of the issuing life insurance company.