Gerber Life Insurance Company A Name You Know and Trust
Gerber Life Insurance Company provides affordable life insurance for families on a limited budget. Gerber Life offers affordable life
insurance policies for children, adults and seniors. Term life insurance and whole life insurance, including guaranteed whole life
insurance, are just a few of our quality life insurance policies with various coverage options to meet your family's needs.
Apply or get a free quote online 24 hours a day. Gerber Life helps protect your family's future, financial security and stability.
Give your child a powerful head start!
We all want to give our children an advantage in life. The Grow-Up Plan is a whole life insurance policy that protects your child while
starting a nest egg for the future. A Gift that Doubles Your Grow-Up Plan not only provides up to $50,000 of whole life insurance
protection now, but the coverage amount automatically doubles during age 18, at no extra cost!
Security for Today, Savings for Tomorrow
As soon as you get the Grow-Up Plan, you lock in a low childhood premium rate that's guaranteed never to increase.
It's like a 60% discount - a big savings - on what your child would otherwise pay for new coverage as an adult.
A Plan that Grows
In addition to the coverage amount automatically doubling, your child will have several opportunities to increase coverage as an adult.
Thanks to you, your child can always have protection to count on.
Adult-size coverage with child-size premiums
You can start your child with a $5,000, $10,000, $15,000, $25,000, $35,000 or $50,000 whole life policy and lock in a low childhood
premium that will never increase. Parents, grandparents and permanent legal guardians may apply
when children are 14 days to 14 years old.
Coverage that doubles
During age 18, the Grow-Up Plan’s coverage amount doubles automatically. For example, a $10,000 policy doubles to $20,000,
a $15,000 policy doubles to $30,000 and so on – with no increase in your monthly premium. That’s right, double the coverage at the
same low childhood premium –
Guaranteed!
Guaranteed life insurance coverage for your child as an adult.
Your child can keep the Grow-Up Plan as an adult and can increase the coverage, at our standard rate for your child's age
at that time, and as long as premiums are paid. Your child can purchase up to 10 times the original coverage amount.
This is a guaranteed right, regardless of health, occupation or anything else – even if your child cannot get insurance from
other companies
Builds cash value
Your Grow-Up Plan accumulates cash value as long as premiums are paid. By giving Grow-Up to your child now, you can give him or
her a head start on the future. After 25 years, the policy’s cash value will be at least equal to or greater than 100% of premiums paid.
What is Cash Value?
As years go by, the policy accumulates cash value. This money is available if ever there is a need for ready cash. After 25 years,
the cash value is equal to or greater than 100% of premiums paid. In other words, even though the policy has provided full insurance
protection and all guarantees for 25 years, your child can receive a sum of money that’s at least equal to every dollar paid in premiums if
the policy is turned in, assuming there are no outstanding policy loans or interest.
Can a grandparent apply for the GROW-UP Plan?
Yes. A child’s parent, grandparent or permanent legal guardian may apply – parent signature only where required by law.
He or she will be the policy owner until the child reaches age 21.
When the coverage doubles on the policy anniversary date during age 18, will the premium double too?
No! The premium is guaranteed to stay the same for your child’s lifetime. So, the cost-per-$1,000 of insurance actually goes down
when the coverage doubles!
Can Gerber Life cancel my child’s GROW-UP coverage?
Once valid coverage begins and as long as the premiums are paid, the company cannot cancel the insurance for any reason.
Only you (or your child at age 21) can cancel the coverage.
The Gerber Life College Plan
Start saving for college in a way that fits your budget.
Just about $1 a day can put your child on the path toward a college education!
Nothing is more essential to your child's future success than a college degree. And now, the Gerber Life College Plan gives you an
easy and affordable way to save for college with insurance. You can choose the monthly premium that works best with your budget,
and then receive $10,000 to $150,000 toward your child's college expenses—guaranteed!
The Gerber Life College Plan can help you make college dreams come true.
Monthly payments—choose the premium that fits your budget, starting at just about $1 a day.
Guaranteed payment of full benefit at maturity, as long as premiums are paid—no need to worry about interest rates or market volatility.
Life insurance protection—guarantees your child will receive the full benefit amount if something were to happen to you before the
maturity date.
With Term Life insurance, you can enjoy greater peace of mind today knowing you’re helping protect your loved ones tomorrow.
Term Life insurance coverage from $25,000 to $150,000 for adults ages 18 to 60
The Gerber Life Term Life Plan provides a reliable, affordable way to help you protect your family’s financial future.
You choose the coverage and term that meets your needs—$25,000, $50,000, $75,000, $100,000, $125,000 or $150,000—
for 10, 15, 20, or 30 years. You choose the plan that works for you and your budget.
Attractive rates with no increases
With Gerber Life you can get an affordable term life insurance policy and secure it at a fixed rate that is guaranteed not to increase for
the term of the policy. Unlike other types of term coverage that raise rates each year, with the Gerber Life Term Life Insurance Plan, you are
assured you will pay the same budget-friendly premiums for the initial 10, 15, 20, or 30 year term you own the policy. Premiums will never
increase during the initial term. Rates quoted are based on applicant’s tobacco use and assumed good health. Other rates are available.
Guaranteed renewable
After the 10, 15, 20, or 30 year duration of your policy, you can choose to renew annually at the premium for your age at that time.
Your option to renew is guaranteed—without a physical—at the end of your term.
Easy application—no medical exam required to apply
Gerber Life’s Term Life Plan is life insurance made easy. No medical exam is needed in most cases. The application process is simple
you can apply for term life insurance online using the form above to find your coverage options and rates. If you have questions during the
application process, Gerber Life can help! Contact our knowledgeable, licensed Gerber Life representatives who will help you make the
choices that are right for you and your family. Coverage may depend on the answers given in the application.
A medical exam may be needed for cause and is required for applicants 51 years of age and older who choose $100,000 or more in
coverage.
Whole Life insurance coverage that lasts a lifetime
This policy offers you coverage amounts of $25,000, $50,000, $75,000, $100,000, $125,000 and $150,000. And because it’s permanent
whole life insurance, you can keep the policy your entire lifetime at an affordable premium rate that will never increase. But that’s not all.
This plan also builds guaranteed “cash value” you can depend on should you or your loved ones need a source of immediate cash.
It’s a very reassuring feature not always offered with other types of life insurance!
Budget-minded premiums that never increase
What’s more, you can review the rate table to the right to find the monthly premium that is most affordable for you. And you can count
on these rates to never increase—guaranteed! You can rest assured knowing you’ll never pay more for this important insurance
than you will today. And the sooner you apply, the lower the rate you lock in for life. Whole life insurance rates quoted are based
on applicant’s tobacco use and assumed good health. Other rates are available.
Applying is easy
To get a whole life insurance quote, simply answer a few health questions on our online application.
Use the form above to find your coverage options and rates.
No medical exam is needed to apply if you're from age 18 to 50 and in average good health. If you’re 51 or older and are applying for
$100,000 or more of insurance, or if for any other reason an exam is required, we will pay to have a specially trained person meet with
you. Coverage and approval is dependent on answers to health questions.
Optional Waiver of Premium Rider
As an option, you can purchase a Waiver of Premium Rider. It’s an extra safeguard for you. If you should become totally disabled
before ge 60, and that disability continues for at least 6 months, you stop paying premiums. The rider will pay your policy premiums
and Gerber Life will continue your life insurance coverage. Your family will continue to have the full protection of your policy…and the
cash value will keep on building, just as before. You will even keep the privilege of borrowing against that cash value to help with
your finances. At age 60, you would start paying premiums again.
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Regardless of Your Health, You Can’t Be Turned Down
If you are 50 to 75 years old, you can choose a guaranteed cash benefit of $3,000 to $15,000. The application process is simple
and easy. No medical exam is required and there are no health questions to answer. Your acceptance – regardless of your health
– is guaranteed. Lift the Burden of Final Expenses from Your Loved Ones Burial expenses today can cost anywhere from $7,000 to
$10,000 – and, if you qualify, Social Security provides only $255.1 If the unexpected occurs, your family could be faced with funeral
costs and other expenses that they might find difficult to pay, at a time when they are suffering from grief and loss.
Guaranteed Life Insurance Plan
With the Gerber Life Guaranteed Life Insurance Plan, you can have peace of mind knowing that you’ve planned ahead to ease the
burden of final expenses. This whole life insurance policy provides up to $15,000 to help pay medical bills, leftover debts and funeral
costs.
Unlike term life insurance, your Guaranteed Life Insurance Plan builds cash value that you can borrow against
– that's money you can request if and whenever you need it.
Regardless of Your Health, You Can’t Be Turned Down
If you are 50 to 75 years old, you can choose a guaranteed cash benefit of $3,000 to $15,000. The application process is simple and
easy. No medical exam is required and there are no health questions to answer. Your acceptance – regardless of your health
– is guaranteed.
Your spouse, if aged 50 to 75, also can get up to $15,000 in guaranteed benefit protection.
Provides Cash Value You Can Use in an Emergency
Unlike term life insurance, Guaranteed Life whole life insurance provides guaranteed coverage that lasts a lifetime, as long as premiums
are paid. What’s more, your policy will accumulate cash value that you can borrow against should a need arise. The cash value amount
depends on your age, how long you’ve had your policy, and the dollar amount of premiums paid. It’s a living benefit that you can
borrow against or cash in later in life.
A Name You Know and Trust
Gerber Life Insurance Company, A Name You Know and Trust. an affiliate of the Gerber Products Company, shares a name
that has been synonymous with family caring for more than 80 years. You can have confidence in the name and in the coverage.
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Accident Insurance will Protect Those You Love Against the Unexpected
No one can predict when an accident may occur. Accidents can happen to anyone at any time, and many times
they cause financial hardship for those left behind or left disabled.
You Can Provide Immediate Security for Just Pennies A Day
The Gerber Life Accident Insurance Plan provides financial protection against accidental death or a disabling injury 24 hours a day.
You can select from $20,000 to $100,000 in accidental death protection. Should the unexpected occur, the valuable cash benefit can
be used to help pay for out-of -pocket medical costs, lost wages or other expenses, thereby helping you to provide an important level of
security for your loved ones.
Budget-friendly rates start as low as 7 cents a day, and there’s no waiting period.
Your coverage takes effect immediately, once Gerber receives your first premium payment.
Your Approval Is Guaranteed
Completing the application is fast and easy. If you are between 19 to 69 years old, you are pre-approved. No physical exam
is required and there are no health questions to answer. You are eligible regardless of health, occupation or anything else.
Your Spouse’s Coverage Also Is Guaranteed
You – and also your spouse – are pre-approved for the Gerber Life Accident Insurance Plan, for whichever amount you each choose,
up to a combined total of $200,000 coverage for both of you.
And Your Rates Are Guaranteed to Never Increase!
As long as premiums are paid, your benefits can never be reduced and your monthly premium is guaranteed to never increase.
A Name You Know and Trust
Gerber Life Insurance Company, an affiliate of the Gerber Products Company, shares a name that has been synonymous
with family caring for more than 80 years. You can have confidence in our name and in our coverage.
State AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV
NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Male Female 1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,
48,48,50,51,52,53,54,55,56,57,58,59,60, 61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78
Term Life:
These plans give adults a budget-minded way to help ensure their families can cover basic expenses if they are not there to provide
for them. Premiums Never Increase for the Initial Term Guaranteed Renewable Converts to Whole Life
Whole Life:
Permanent life insurance protection which builds cash value for savings-oriented consumers.Premiums Never Increase
Builds Cash Value Coverage Lasts a Lifetime The Guaranteed Life plan was developed especially for seniors. It makes it easy to
obtain life insurance to help cover your burial expenses—and more. This policy has a two-year graded death benefit.Premiums
Never Increase
Builds Cash Value No Medical Exam Required
Accidental Dealth Benefit:
The Gerber Life Accident Protection Plan gives immediate cash benefits in the event of accidental death or disabling injury.
Premiums Never Increase
No Medical Exam Required
Spouses Eligible
Protect the promise of your family's future. Gerber Life makes it easier than ever to help ensure your family's financial stability
in case something happens to you. All of our life insurance policies offer choices in coverage with affordable premiums
and an easy application process.
Our friendly licensed insurance advisors can answer your questions and help you apply for coverage.