Gerber is also a trusted name in the insurance industry, offering financial protection for families through Gerber Life Insurance.
Since its inception in 1967, the company has built itself a solid reputation for offering affordable and reliable life insurance policies tailored for both children and adults.
Whether you’re planning for your child’s future or seeking peace of mind for your family, Gerber Life provides flexible insurance solutions that are accessible and easy to understand.
Furthermore, Gerber Life Insurance is known for its child-focused policies, such as the Grow-Up Plan, which allows parents to start building life insurance and financial security for their children at an early age.
What’s more, the company also offers whole life, term life, and guaranteed life insurance for adults, making it a versatile provider for multi-generational financial planning.
Types Of Insurance Plans Offered By Gerber Life
Gerber Life Insurance offers a variety of plans that cater to different needs and life stages. From helping young families prepare for the future to granting peace of mind with guaranteed coverage to seniors, there’s a plan for everyone.
Here are some of the insurance plans offered by Gerber Life:
Grow-Up Plan
This insurance product is designed to give children a strong financial start in life. Parents or grandparents can purchase this policy for a child as young as 14 days old.
What’s more, the premiums remain locked in for life, and the coverage doubles automatically at age 18,without any increase in cost. Some of itskey features include:
- Coverage from $5,000 to $50,000
- Ownership of the policy transfers to the child at age 21
- Builds cash value over time
- Guaranteed future insurability
Term Life Insurance
This plan is ideal for adults who seek temporary and affordable coverage. It offers high coverage amounts for low monthly premiums, which makes it a good option for young families or individuals with short-term financial responsibilities.
Some of the key benefits includes:
- Has terms of 10, 20, or 30 years
- Coverage up to $300,000
- No medical exam required for some applicants
- Fixed premiums for the term duration
Whole Life Insurance
Whole life insurance from Gerber provides lifelong coverage with premiums that never increase. Also, it builds cash value over time, which you can borrow against in the future. Its features include:
- Permanent coverage for adults 18–70
- Fixed premiums for life
- Coverage from $5,000 to $50,000
- Guaranteed cash value accumulation
Guaranteed Life Insurance (For Seniors)
This plan is specifically designed for seniors aged 50 to 80 who want life insurance without undergoing a medical exam or answering health questions. It’s a simplified issue policy focused on covering final expenses. Some of its best features include:
- Coverage from $5,000 to $25,000
- Ideal for covering funeral or burial costs
- No medical exam or health questions
- Coverage guaranteed as long as premiums are paid
Why Choose Gerber Life Insurance?
Choosing an insurance provider that delivers the best is a major decision, and Gerber Life offers several reasons why families continue to trust the brand for decades. Some of the top reasons why you should settle with this lender are:
Brand Recognition and Trust: Gerber Life Insurance is affiliated with the iconic Gerber brand, which is also a name trusted by families for over 90 years. This connection offers a strong sense of familiarity and reliability.
Flexible Premiums and Coverage Options: With plans ranging from low-cost term insurance to lifelong protection with cash value, Gerber Life meets a wide range of needs and budgets. Furthermore, their policies are designed to be accessible for working families and seniors alike.
Easy Application Process: Many of Gerber’s policies are simplified, which means that no medical exams are required. This makes the application process smoother and quicker, especially for those with health concerns.
Family-Focused Coverage: Unlike many insurance companies, Gerber Life specializes in coverage that starts from infancy and spans into adulthood. Their Grow-Up Plan is one of the few life insurance products tailored specifically for children.
How To Apply For Gerber Life Insurance
Applying for a Gerber Life policy is easy and can be done online, by phone, or through the mail. Here’s how you can get it done:
- Start by selecting the type of policy based on your needs (child, term, whole life, or senior).
- Provide basic personal information including your age, gender, and coverage amount desired.
- For simplified issue policies, answer a few health-related questions (if applicable).
- You will receive an instant quote where you can review policy terms.
- Lastly, submit your application and await approval (often within days).
Gerber Life also offers free quotes online, so you can compare options before making a commitment.
Frequently Asked Questions
Can I Purchase Gerber Life Insurance Without A Medical Exam?
Yes, you can. Most of Gerber’s insurance policies, including the Grow-Up Plan and Guaranteed Life Insurance, do not require a medical exam.
What Happens To The Grow-Up Plan When My Child Turns 18?
At age 18, the coverage amount will double without increasing the premium. Also, ownership of the policy transfers to the child at age 21.
Can I Borrow From My Gerber Life Policy?
Yes, it is possible. Whole life and Grow-Up policies accumulate cash value, which you can borrow against after a certain period. However, keep in mind that unpaid loans will reduce the death benefit.