Gerber Life Insurance Review

Find out if Gerber Life is the best company to protect your loved ones.

Is Gerber a Good Life Insurance Company?

Gerber Life has been providing life insurance since 1967.

As a member of the Western & Southern Financial Group, this company has over $50 billion of life insurance in force.

Financial Strength

  • AM Best – “A”

Rating as of 12/2021 and subject to change

How Easy Is it to Get a Policy with Gerber?

Gerber makes it very easy to buy life insurance.

You may apply online for life insurance.

Both guaranteed issue and fully underwritten policies are available.

Are Gerber Life Policies Competitive?

Gerber has some good options available depending on the type of policy you’re looking for.

In some cases, Gerber may be the best life insurance company available.

Gerber Life Insurance for Adults

  • The following policies are available:
    • Guaranteed Life Insurance – $5,000 – $25,000
    • Simplified Senior Life – $25,000 – $100,000
    • Whole Life Insurance – $50,000 – $1,000,000
    • Accidental Death – $50,000 – $250,000

The policies and riders available may vary by state of residence.

Guaranteed Life Insurance highlights:

  • Whole life insurance policy
  • Non-participating – no dividends
  • No health exam is necessary
  • No health questions will be asked
  • Issue ages 50-80
  • Face amounts from $5,000 – $25,000
  • Graded Death Benefit – If death occurs in:
    • Within the first two years – death benefit = premiums paid plus an additional 10% of earned premiums.
    • After two years, the full death benefit is paid.
  • If death is due to accidental causes, the full death benefit is paid even if death occurs in the first two years.
  • The policy builds cash value
  • Loans are available

This policy is best for insureds with significant health issues who would not qualify otherwise.

Other companies that offer guaranteed issue policies to compare include American General and Wellabe.

Simplified Senior Life highlights:

  • Whole life insurance policy
  • Non-participating – no dividends
  • No exam for applicants aged 70 or younger
    • Simplified underwriting with decisions in minutes
  • Full underwriting is required for ages 71-80
  • Issue ages 50-80
  • Face amounts from $25,000 – $100,000
  • Premiums guaranteed not to increase
  • Accelerated Death Benefit Rider for terminal illness
  • The policy builds cash value
  • This policy is not a graded benefit policy.

This policy is designed for healthier insureds who will qualify for the underwriting criteria.

Other companies offering accelerated underwriting to older ages include Sagicor and Pacific Life.

Whole Life Insurance highlights:

  • Whole life insurance policy
  • Non-participating – no dividends
  • Issue ages 18-70
  • Minimum face amount – $50,000 ($100k for age 50+)
  • Maximum face amount – $1,000,000
  • Simplified underwriting for under age 51 up to $300,000
  • Full underwriting for:
    • Age 51+ over $100,000
    • Age 18+ over $300,000
  • Accelerated Death Benefit Rider
  • Disability Waiver of Premium
  • The policy builds cash values

It’s possible to receive underwriting decisions in minutes with simplified underwriting cases.

All others will require full underwriting, paramed exam, etc.

We always recommend comparing Gerber’s whole life to Penn Mutual, MassMutual, and Guardian policies.

Accidental Death Policies from Gerber

Gerber accidental policies do not require medical underwriting.

This policy only pays a death benefit if you die from a qualifying accident.

Some highlights include:

  • Issue ages from 18-69
  • Face amounts from $50,000 – $250,000 based on the following:
    • 18-54 – Up to $250,000
    • 55-59 – Up to $100,000
    • 60-69 – Up to $50,000
    • There are state variations to the above
  • There is no waiting period for benefits to begin

Accidental coverage is a good option when you want to supplement a life insurance policy or are uninsurable for health reasons.

Gerber Life Insurance for Children

  • For children, Gerber offers:
    • The Grow-Up Plan – $10,000 – $50,000
    • Gerber Life College Plan – $10,000 – $150,000

We don’t offer child life insurance and recommend contacting Gerber directly if you want to insure your child with an individual policy.

Does Gerber Provide Good Customer Service?

You may reach customer service at 800-704-2180

If you have a policy with Gerber, you may find information online by logging in – here.

Corporate headquarters is located at:

445 State Street – Fremont, Michigan 49412


Gerber has some good life insurance options to consider when looking at smaller-faced policies or guaranteed issue.

It’s always a good idea to compare other companies and their products to ensure you receive the best options available to meet your needs.

Please take a few minutes to submit your quote request today. Thank you.

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