Gerber Life Insurance Review

If you're a senior looking for whole life insurance without needing to undergo a medical exam, you may find that life insurance plans from Gerber Life are a great option. Gerber's child life insurance plan may also appeal to parents and grandparents who wish to purchase coverage for a child thanks to the automatic doubling of coverage when the child turns 18.

Gerber Life does not offer any universal life plans, so applicants may want to purchase a policy from State Farm if they’re looking for flexible lifetime coverage. State Farm offers Universal Life, Survivorship Universal Life and Joint Universal Life insurance policies that provide flexibility in premium payments and investment options.

Before submitting your application, read our review of Gerber Life's policies to find out more about the provider and your options for life insurance.

Based on findings from the Life Insurance Marketing and Research Association's (LIMRA) 2022 Insurance Barometer Report, 44% of American households would experience financial difficulties within six months if a primary wage earner were to pass away. Choose the insurance plan that best suits your unique needs by learning more about Gerber Life's insurance options.

When you get term life insurance, which generally lasts between 10 and 30 years, your beneficiaries only get the death benefit if you pass away during that time. Many individuals use this type of insurance to cover short-term financial needs, such as education expenses or debt, that their beneficiaries would be left with if they passed away. Although term life insurance plans normally don't generate cash value, they are often far less expensive than permanent life insurance policies.

Term life insurance policies are a good fit for those who want to pay an affordable monthly rate and are looking for temporary financial protection. Gerber Life offers an easy online application process, and you’ll only need to undergo a health exam if you’re over the age of 51 and apply for over $100,000 in coverage.

Whole life insurance policies have a cash value component that accrues over time and allow you to lock in a premium for lifetime coverage. It is a good option for those looking for long-term coverage or for those who want to borrow against the cash value to help cover expenses.

Gerber offers five whole life policy types, catering to children, college students, adults and seniors:

A whole life insurance policy offers lifetime protection for both you and your family. Those who are preparing their estate or who have long-term dependents may find it to be a good fit for them. Also, because of its cash value growth, it is the best option for those who may later need long-term care due to a medical condition and for those who want predictable, stable payments.

Plans that are geared towards seniors are typically considered final expense insurance plans. With these plans, your beneficiaries may be able to pay for any funeral expenses or other existing debts after your passing.

Older adults are the ideal candidates for final expense insurance. This coverage type is generally less expensive than other life insurance plans but also offers less coverage, so it's a good option for seniors looking to help their loved ones cover end-of-life expenses such as burial costs.

Riders are coverage add-ons that can modify an insurance policy, often at an added cost. If you'd like additional coverage, here are some options that Gerber Life offers.

If you’ve decided to buy Gerber Life Insurance, the following sections will walk you through the process and what to do in case your application gets denied.

To help you find the right insurance policy for your needs, here are answers to some typical questions customers ask about Gerber Life Insurance.