Bestow

Bestow is a Dallas, Texas life insurance technology company building a unified SaaS platform for life insurance carriers, agents, and embedded partners. Founded in 2016, Bestow provides end-to-end and modular solutions across new business and policy administration, including a digital Application Suite for quote, illustration, and application journeys; an Underwriting engine and workbench with instant, fully automated decisioning powered by machine learning on actuarial data; an Agent Portal and sales management tooling; an Admin Portal and Customer Portal for self-service; TPA (Third-Party Administrator) services; a Performance IQ analytics surface; and a Data Optimization Suite for modeling, integrations, and activation. Bestow's Protect API and associated SDK power embedded life insurance — letting fintechs, banks, financial institutions, P&C carriers, mortgage platforms, and benefits providers offer instant term life, final expense, and IUL coverage inside their own apps and websites, with Bestow handling underwriting, payment, billing, policy delivery, and ongoing administration behind the scenes. Integrations span ACORD life and annuities data standards, Adyen for payments, Cloudflare for identity and security, and data vendors including Bevel, Clareto, EIS, ExamOne, and Human API ReFlex Select. There is no publicly accessible developer portal or API reference — partner documentation, sandbox access, and Protect API onboarding are gated behind a partner login at docs.bestow.com and arranged through Bestow's sales and partnerships team.

Bestow is profiled on the APIs.io network. Tagged areas include Insurance, Life Insurance, InsurTech, Embedded Insurance, and Insurance As A Service.

Bestow’s developer surface includes FAQ, terms of service, privacy policy, YouTube channel, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

10.8/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

InsuranceLife InsuranceInsurTechEmbedded InsuranceInsurance As A ServiceUnderwritingPolicy AdministrationTerm LifeFinal ExpenseIULProtect APISDKACORDFinancial Services

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 10.8/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Commercial Clarity 2.1 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/bestow: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

GraphQL 1

GraphQL schemas published by this provider.

Documentation 2

Reference material describing how the API behaves

PartnerDocs

PartnerDocs

GraphQL

GraphQL

Build 1

SDKs, sample code, and the tooling you integrate with

AgentTools

AgentTools

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 2

Status, limits, changes, and where to get help

FAQ

FAQ

Contact

Contact

Commercial 3

Pricing, plans, and the legal terms of use

License

License

Terms

Terms

Privacy

Privacy

Company 6

The organization behind the API

Website

APIPartners

PartnerAPI

Newsroom

Careers

LinkedIn

Other 4

Properties that don't map to a standard resource type

ApplicationSuite

Underwriting

Insights

Medium

Source (apis.yml)

aid: bestow
name: Bestow
description: Bestow is a Dallas, Texas life insurance technology company building a unified SaaS platform for life insurance
  carriers, agents, and embedded partners. Founded in 2016, Bestow provides end-to-end and modular solutions across new business
  and policy administration, including a digital Application Suite for quote, illustration, and application journeys; an Underwriting
  engine and workbench with instant, fully automated decisioning powered by machine learning on actuarial data; an Agent Portal
  and sales management tooling; an Admin Portal and Customer Portal for self-service; TPA (Third-Party Administrator) services;
  a Performance IQ analytics surface; and a Data Optimization Suite for modeling, integrations, and activation. Bestow's Protect
  API and associated SDK power embedded life insurance — letting fintechs, banks, financial institutions, P&C carriers, mortgage
  platforms, and benefits providers offer instant term life, final expense, and IUL coverage inside their own apps and websites,
  with Bestow handling underwriting, payment, billing, policy delivery, and ongoing administration behind the scenes. Integrations
  span ACORD life and annuities data standards, Adyen for payments, Cloudflare for identity and security, and data vendors
  including Bevel, Clareto, EIS, ExamOne, and Human API ReFlex Select. There is no publicly accessible developer portal or
  API reference — partner documentation, sandbox access, and Protect API onboarding are gated behind a partner login at docs.bestow.com
  and arranged through Bestow's sales and partnerships team.
type: Index
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bestow.png
tags:
- Insurance
- Life Insurance
- InsurTech
- Embedded Insurance
- Insurance As A Service
- Underwriting
- Policy Administration
- Term Life
- Final Expense
- IUL
- Protect API
- SDK
- ACORD
- Financial Services
url: https://raw.githubusercontent.com/api-evangelist/bestow/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.20'
apis: []
common:
- type: DomainSecurity
  url: security/bestow-domain-security.yml
- type: Website
  url: https://www.bestow.com
- type: ApplicationSuite
  url: https://www.bestow.com/application-suite
- type: Underwriting
  url: https://www.bestow.com/underwriting
- type: AgentTools
  url: https://www.bestow.com/agent-tools
- type: Integrations
  url: https://www.bestow.com/integrations
- type: APIPartners
  url: https://www.bestow.com/api-partners
- type: PartnerDocs
  url: https://docs.bestow.com
- type: PartnerAPI
  url: https://api.hellobestow.com
- type: FAQ
  url: https://www.bestow.com/faq
- type: Insights
  url: https://www.bestow.com/insights
- type: Newsroom
  url: https://www.bestow.com/newsroom
- type: Careers
  url: https://www.bestow.com/careers
- type: Contact
  url: https://www.bestow.com/contact
- type: License
  url: https://www.bestow.com/licenses
- type: Terms
  url: https://www.bestow.com/terms-conditions
- type: Privacy
  url: https://www.bestow.com/privacy-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/bestowtech/
- type: YouTube
  url: https://www.youtube.com/@bestow_tech
- type: Medium
  url: https://medium.com/bestowinc
- url: graphql/bestow-graphql.md
  type: GraphQL
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com