Bestow API
Bestow is a life insurance technology platform that delivers new business, administration, and intelligence software to life carriers—powering digital quoting, applications, automated underwriting, policy administration, and self-service portals. An unofficial API lets you programmatically pull policies, applications, quotes, underwriting decisions, billing, and agent records—and push updates like new applications, underwriting submissions, and policy servicing actions back into Bestow.
What is Bestow?
Bestow is a life insurance technology company that provides new business and administration software to life insurance carriers. Carriers use Bestow to run digital quote, illustration, and application journeys for customers and agents; drive instant automated underwriting through a rules engine and workbench; process payments, billing, and policy delivery; and operate customer and admin portal experiences alongside full third-party administration (TPA) services. The platform supports term life, final expense, indexed universal life (IUL), and other products, and can be deployed end-to-end or as modular components.
Core product areas include:
- New Business Solutions (Application Suite, Agent Portal, Underwriting Platform)
- Administration Solutions (Admin Portal, Customer Portal, TPA Services)
- Intelligence Solutions (Performance IQ, Data Optimization Suite, Innovation Lab)
- Protect API for embedded, white-labeled life insurance offerings
Common data entities:
- Quotes, Illustrations, Applications, Coverages
- Underwriting Submissions, Decisions, Rules, Risk Profiles
- Policies, Endorsements, Policy Documents, Servicing Events
- Billing Accounts, Payments, Premium Schedules
- Agents, Producers, Distribution Partners
- Applicants, Policyholders, Beneficiaries
The Bestow Integration Challenge
Carriers run new business and admin workloads on Bestow daily, but turning portal- and partner-driven workflows into API-driven automation is non-trivial:
- Partner API gates: Protect API access is provisioned through partnership agreements, so embedded and white-labeled integrations require onboarding before programmatic access
- Carrier-by-carrier configuration: Product definitions, underwriting rules, forms, and journeys are tailored per carrier—generic integrations break across tenants
- Portal-bound data: Agent Portal, Admin Portal, and Customer Portal surface much of the operational data, which isn't always exposed through a documented public endpoint
- Authentication complexity: MFA and session-based logins are common in carrier environments and complicate headless automation
- Underwriting decision handling: Instant automated underwriting returns decisions, referrals, and declines that need precise status and reason-code mapping
- Document and policy delivery workflows: Applications, policy documents, and correspondence require careful upload/download and template handling
How Supergood Creates Bestow APIs
Supergood reverse-engineers authenticated browser flows, Bestow's portal surfaces, and Protect API interactions to deliver a resilient API layer for your Bestow tenant—across new business, administration, and intelligence modules.
- Handles username/password and MFA (SMS, email, TOTP) securely
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across Application, Underwriting, Policy, Billing, and Distribution so you integrate once and rely on consistent objects
- Aligns with carrier-specific product definitions, underwriting rules, and entitlements to ensure compliant access
Use Bestow with AI agents: Bestow MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your modules, products, and authentication model.
- Supergood Generates and Validates Your API
We deliver a hardened, production-ready Bestow adapter tailored to your carrier configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Bestow evolves.
API Endpoints
Authentication
/authenticateAuthenticate to a Bestow tenant using username/password, or MFA, and obtain a session token for downstream calls.
Quotes
/quotesRetrieve quotes and illustrations with filters for product, term, coverage amount, and status.
Applications
/create_applicationSubmit a new digital life insurance application against the carrier's configured product definition and journey.
Underwriting
/underwriting_decisionsPull instant automated underwriting decisions, referrals, and declines with reason codes for an application.
Policies
/policiesList issued policies and coverages with filters for product, status, and effective date range.
Billing
/billingPull billing accounts, premium schedules, and payment activity across direct and list bill plans.
Use Cases
Embed digital life insurance through the Protect API
- Launch a white-labeled quote and application journey inside your own platform - Submit applications and stream instant underwriting decisions back to your UI - Reconcile issued policies and coverages into your downstream systems
Sync application and policy data into your warehouse
- Pull quotes, applications, and issued policies into a single warehouse - Stream underwriting decision and policy status events to BI and analytics tools - Reconcile applicant, policyholder, and beneficiary records for unified customer 360
Automate underwriting and new business workflows
- Push applications into the underwriting workbench and pull decisions back for downstream pricing - Route referrals, approvals, and declines to agents without portal clicks - Attach supporting documents and trigger policy delivery on bind
Reconcile billing and agent distribution data
- Sync premium schedules, payments, and billing accounts into general ledger and AR systems - Surface delinquent accounts and lapse-pending events to retention workflows - Keep agent and producer records in sync with downstream CRM and incentive systems
Technical Specifications
Authentication
Username/password, OAuth and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated browser flows plus Bestow's Protect API and portal surfaces where exposed by the carrier
Response format
Normalized JSON across Application, Underwriting, Policy, Billing, and Distribution objects
Rate limits
Adaptive throttling tuned to your tenant to avoid carrier-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for applications, underwriting decisions, and policies with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for application submission, underwriting decision, policy issuance, and billing changes
Latency
Sub-second reads on cached entities; multi-second writes when posting through underwriting and application workflows
Throughput
Horizontally scaled workers sized to new business and administration volume
Reliability
Retry, backoff, and idempotency keys for applications, underwriting submissions, and billing transactions
Adaptation
Continuous monitoring of Bestow releases, Protect API changes, and carrier-specific configuration drift
Frequently asked questions
Yes. Supergood normalizes data across New Business (Application Suite, Underwriting Platform, Agent Portal) and Administration (Admin Portal, Customer Portal, TPA Services), so you can integrate application, underwriting, policy, and billing entities once.
No. Supergood works with your existing Bestow entitlements and authenticated sessions. Protect API partner agreements are only required when you specifically want to consume the embedded white-labeled offering brokered through that program.
Underwriting decisions, referrals, and declines are exposed through the normalized API surface with reason codes preserved, so your downstream systems can act on approve, refer, and decline outcomes without scraping the workbench UI.
Each tenant is profiled against its configured products, underwriting rules, and forms. Supergood preserves carrier-specific fields, lifecycle states, and entitlements rather than forcing a generic schema.
The same normalized API surface covers term life, final expense, indexed universal life (IUL), and other products configured in your Bestow tenant, so multiple product lines sit alongside each other.