Bestow
Fully online term life with no medical exam - lowest friction in the category
Overview
Bestow issues term life cover entirely online with no medical exam for eligible applicants. The product is deliberately simple, which lowers the barrier for readers who would otherwise never complete a life insurance application, but also means lower coverage limits than traditional underwritten products.
Strengths
- $100-250 per sale
- No medical exam removes the biggest drop-off point
- Simple product, easy to explain
Trade-offs
- Lower payout ceiling than Policygenius or Ethos
- Coverage limits exclude high-need cases
- Simple product means less content depth
Commission structure
| Model | CPA — per policy sold |
|---|---|
| Published rate | $100–$250 per policy bound |
| Cookie window | 30 days |
| Payment terms | Net 30 |
| Minimum payout | $100 |
| Recurring | No |
| Payout tier | High Top-tier payout — worth building content around |
Source: earnifyhub.com · Data checked: 2026-10-28
How to apply for the commission
- Apply through the affiliate programme.
- Confirm eligibility criteria and coverage ceiling.
- Position it for readers who want a fast decision, not the maximum cover.
- Set tracking in /go/.
- $100 minimum, Net 30.
Good secondary offer. Most life insurance content should lead with a full brokerage and use Bestow for readers who bounce off a long application.
Traffic restrictions
US traffic, excluding NY in some structures. Eligibility restrictions apply.
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