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Gerber Life offers highly rated life insurance plans that can cover everyone in your family during each stage of life. This includes whole life insurance for children and adults, as well as guaranteed life insurance protection for senior citizens.
Business Insider has compared Gerber Life Insurance against over 30 other providers to find the best life insurance companies.
Gerber Life has been offering coverage for families since 1967, and the highly rated insurance provider received an "A" (Excellent) rating from AM Best in January 2023. This means the company has the financial strength to pay out claims, and that you can feel confident you're buying a policy that will hold up if you find yourself in the unfortunate position of having to file a claim.
Gerber Life insurance policies likely work best for people seeking affordable premiums, lifetime coverage for their dependents, or guaranteed issue coverage as a senior citizen. If you're in the market for child life insurance, guaranteed life insurance for seniors, inexpensive term coverage or even help paying for college, read on to learn more about this company's products and how they work.
Get Life Insurance Quotes
Compare affordable life insurance options with Policygenius.
Gerber Life makes it easy to get a free life insurance quote online. This benefit lets you find out how much you might pay for coverage before you apply, and it makes it considerably easier to shop around and compare rates.
The charts below show how much you might pay for various insurance products from Gerber Life based on age, coverage amounts and other factors.
Gerber Term Life Insurance
This chart shows sample premiums for $150,000 in coverage for a 30-year-old woman in good health.
| Term | Monthly premium |
| 10 years | Starting at $26.25 |
| 20 years | Starting at $25.63 |
| 30 years | Starting at $28.88 |
This next chart shows premiums for $150,000 in coverage for a 30-year-old man in good health.
| Term | Monthly premium |
| 10 years | Starting at $32.63 |
| 20 years | Starting at $32.25 |
| 30 years | Starting at $38.25 |
Gerber Guaranteed Life for Seniors
Here are example rates for lifetime coverage for a 65-year-old woman in good health:
| Coverage amount | Monthly premium |
| $5,000 | Starting at $31.76 |
| $15,000 | Starting at $93.45 |
| $25,000 | Starting at $155.15 |
And here are rates for the same coverage amounts but for a 65-year-old man in good health:
| Coverage amount | Monthly premium |
| $5,000 | Starting at $43.04 |
| $15,000 | Starting at $127.28 |
| $25,000 | Starting at $211.52 |
Gerber Life is fairly transparent when it comes to its claims process, although there is no way to begin your claim online. Instead, Gerber Life says you have to call the company at 1-800-628-0560 to request a claims form.
Customer service representatives are available Monday through Friday from 8 a.m. to 7 p.m. EST at this number, and the company says you can also send life insurance claims correspondence to the following address:
Gerber Life Insurance Company
Life Claims Processing Unit
445 State Street
Fremont, MI 49412
Unfortunately, many of the complaints lodged against Gerber Life are about its claims process and the company's customer services practices in general. Some past customers have complained that Gerber Life continued deducting premiums for a policy they already canceled, while others claim they can't get ahold of anyone at the company to help them complete the claims process. The Better Business Bureau (BBB) even shows that Gerber Life Insurance has 95 closed complaints on the platform from the last three years, and 33 complaints over the last 12 months.
To ensure a life insurance claim with Gerber Life goes off without a hitch, we suggest keeping careful documentation of all your correspondence with the company. Also make sure your claim form is completed accurately and sent in with a Certified Death Certificate (not a copy) and other documentation that backs up your claim.
Gerber Life offers term life insurance with no medical exam required, a whole life insurance plan for adults, guaranteed life insurance for seniors and whole life coverage for children and teenagers. One major benefit of this company is the fact you can get a free quote for coverage online, and that Gerber Life is very transparent when it comes to the details of the policies it offers.
Term life insurance from Gerber Life is offered in terms of 10 years, 20 years and 30 years. You can secure coverage in amounts from $100,000 to $300,000, and there's no medical exam required if you're approved. Gerber Life says premiums on this kind of coverage are fixed, so they will not change for the duration of the policy's term.
Gerber Life also offers whole life insurance for adults ages 18 and older. This coverage is typically available in amounts from $50,000 to $300,000, although plans with a death benefit worth up to $1 million may also be available.
Whole life coverage from Gerber Life builds cash value you can borrow against, and the death benefit is meant to last a lifetime as long as premiums are paid. The premiums on whole life from Gerber Life are also fixed, meaning they will not increase over time.
The Gerber Grow-Up Plan is for children under the age of 14, and it is essentially a whole life policy for kids that can be extended to last a lifetime. Parents buy these plans for children so their dependents have guaranteed coverage they can build on for life. The amount of coverage doubles when the insured turns 18, and higher coverage limits can be purchased in adulthood regardless of occupation or health.
This plan from Gerber Life is available for teenagers who are 15 to 17, and it is a whole life plan that doubles in value automatically at the age of 18. Plans are available in amounts of $5,000 to $50,000, and coverage can be continued into adulthood.
Applicants ages 50 to 80 can also consider guaranteed coverage from Gerber Life with no medical exam required. This protection is available in amounts from $5,000 to $25,000, and it can apply regardless of health. Guaranteed life insurance for seniors from Gerber Life also builds cash value you can borrow against to cover unexpected expenses.
Gerber Life also offers the Gerber Life Insurance College Plan, which is a unique type of policy that builds cash value for 10 to 20 years. This policy offers a guaranteed payment of $10,000 to $150,000 when it reaches maturity as long as premiums are paid, yet the beneficiary receives a death benefit from the policy if the insured passes away before the term ends.
This type of plan is meant to help families provide a death benefit while also saving for college over a fixed timeline of 10 to 20 years.
Gerber Life offers several riders and additional coverage options, including the following:
What happens to Gerber Life insurance when a child turns 18? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
When a child with the Gerber Grow-Up Plan turns 18, the value of the policy automatically doubles. You can also purchase more coverage in adulthood regardless of health or occupation. In that sense, whole life for children purchased through Gerber ensures a child can have access to life insurance later on regardless of their circumstances.
Does Gerber Life insurance have an age limit? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Gerber Life policies are available from infancy through the end of your life, although some types of coverage are limited to certain age groups. For example, senior citizens can apply for guaranteed issue life insurance from ages 50 to 80, yet the Gerber Grow-Up Plan is only available for children up to age 14.
Does Gerber Life sell whole life insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Gerber sells whole life insurance for children, adults and senior citizens.
Does Gerber Life offer term coverage? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Gerber Life also offers term life insurance coverage that can last from 10 to 30 years.
See how Gerber Life stacks up in comparison to three other big names in life insurance: Fidelity Life, Bestow Life, and MassMutual Life.
Fidelity Life Insurance offers a few different types of life insurance including term life insurance, final expense insurance, and whole life insurance for seniors. This company stands out due to how easy it is to get a free life insurance quote online and options that don't require a medical exam.
Fidelity Life also offers a range of insurance riders you can use to tailor your policy, including an accidental death benefit rider, a terminal illness rider, a child rider, an inflation rider, and even a return of premium rider. This company can be a good option if you want to shop for life insurance coverage online, and if you want the chance to customize your coverage so you get exactly what you want.
Bestow Life is an online insurance company that promises fast and easy term life insurance policies with no medical exam required. Premiums start at $11 per month for healthy applicants, and coverage is available in amounts from $100,000 to $1.5 million. Terms are available from 10 to 30 years.
The downside of Bestow is that life insurance is only available for applicants ages 18 to 60, and that the company doesn't offer any permanent life insurance options. Bestow does not offer any riders you can use to customize your coverage, either.
MassMutual is known for offering coverage through specialized agents who can get to know you and make recommendations based on your lifestyle. MassMutual also offers more types of life insurance overall, including term life insurance, whole life, universal life and variable life insurance.
MassMutual also sells other financial products like annuities, long-term care insurance, disability insurance and more. This makes the company even more valuable for consumers who may want to buy different financial products over the course of their lifetime.
Our review of Gerber Life considered a range of details about the company including its third-party ratings for financial strength, its coverage options and its claims process. We independently researched all details about Gerber Life's policies, including all riders, policy limits and limitations. We also compared Gerber Life to a range of other life insurance companies that offer similar coverage in order to see how they compare on policy limits, pricing, the application process and more.