Gerber Life Insurance Company




Headquartered in Fremont, Michigan, Gerber Life Insurance Company was founded in 1967 and is a subsidiary of Nestle. Best known for being the leading provider of children’s insurance, Gerber Life Insurance Company also offers adult life insurance and accidental death and dismemberment (AD&D), having over 2.9 million policies in force in the United States, Puerto Rico, and Canada.



  • Best known for the Gerber Grow Up Plan, a leader in whole life insurance for children

  • Provides guaranteed issue whole life policies for people ages 50 to 80, with no health questions

  • Accident protection (AD&D) offers customers extra protection from the unexpected




PlansDescriptionWho Is It Right For?Product BrochureRun a Quote

Gerber Life Guaranteed Issue

The Gerber Life Guaranteed Life Insurance Plan provides valuable whole-life insurance to help cover final expenses, such as medical bills, burial costs, and unpaid debt.Best suited for people between the ages of 50 and 80 who need quality final expense coverage to assist in absorbing the financial burden at the end of life.Gerber Guaranteed Issue

Accident Protection Insurance (AD&D)

Accidents can happen to anyone, causing financial hardship for those left behind or disabled. Provide protection from the unexpected with accident protection Insurance.Adults who are looking for additional coverage that provides increased protection in case an accident leaves them disabled or results in death. Gerber Accident Protection

Gerber Life Grow-Up® Plan

The Grow-Up® Plan is whole-life insurance for children that provides financial protection, builds cash value, and guarantees life insurance coverage for a lifetime.Parents and legal guardians of children ages 14 days to 14 years who want to lock in low rates for whole-life coverage.Gerber Grow Up Plan



Gerber Guaranteed Issue Life Insurance



When it comes to inexpensive final expense insurance or burial insurance for seniors, Gerber’s Guaranteed Issue Whole Life policy is ideal for people between the ages of 50 and 80 who need $5,000 to $25,000 in coverage with no blood draws and no medical exams. With this whole-life policy, the premiums will not increase as it builds cash value that allows for loans to be taken against the policy.

If the insured person dies of natural causes within the first two years of this policy, the premium paid on the policy will be returned plus an additional 10 percent. However, if death results from an accident in those two years, the policy will pay the beneficiary the full amount of the policy.
For those looking for a life insurance policy to help cover medical bills and burial needs, Gerber Life is rated one of the best in the industry and has some of the most competitive rates in the market.


Gerber Guaranteed LifeAIG Guaranteed IssueColonial Penn Guaranteed Acceptance
Graded Benefit Period2 Years2 Years2 Years
Policy Minimum$5,000$5,000$880
Policy Maximum$25,000$25,000$7,040
Health Questions RequiredNoNoNo
Issue Age50 – 80 years of age50 – 85 years of age50 – 85 years of age
Pricing Example
(Male, Age 66, Non-Smoker, $7000 in coverage)
$70.77/m $75.69/m$79.60/m



Gerber Accident Protection Insurance



Different from life insurance, accident protection insurance provides financial coverage for a disabling injury or death resulting from an accident. Given that accidents are events that are unexpected, accident protection covers incidents that aren’t related to natural causes. Therefore, additional protection against the unexpected or unintentional is extremely important.
Costs surrounding accidents can be greater than other types of events, making accident protection ideal for people in high-risk occupations. Accident protection insurance provides an extra layer of financial protection to assist with unforeseen medical expenses, loss of income, and other potential financial hardships that can affect your loved ones.


Gerber Accident ProtectionMutual of Omaha Guaranteed ADvantageFidelity Life Accidental Death Benefit
Day One Coverage?YesYesYes
Policy Minimum$20,000$50,000$50,000
Policy Maximum$100,000$500,000$250,000
Health Questions RequiredNoNoNo
Return of PremiumNoYes, with rider.Yes, with rider.
Issue Age19 – 69 years old18 – 80 years old20 – 59 years old
Coverage For Spouse Available?YesYesYes
Pricing Example
(Male, 35, Non-smoker, $50,000 in coverage)
$5.23 per month$10.29 per month$8.87 per month



Gerber Life Grow Up Plan



The Grow Up Plan is Gerber Life Insurance Company’s flagship product. It provides whole-life insurance coverage for children that lasts their entire life. These juvenile-focused plans are designed exclusively for children, with coverage ranging from $5,000 to $50,000. And, when the child reaches the age of 18, the coverage amount doubles without any price increases. The main benefit of a policy like this is being able to lock in low insurance rates early on in your child’s life. It’s considerably less expensive than waiting to buy coverage when the child is an adult.
Parents and legal guardians can purchase the Gerber Grow Up Plan for a child who is between the ages of 14 days and 14 years. As long as premiums are paid, the policy cannot be canceled. Plus, it builds cash value, providing an asset that can be used during the course of the child’s adult life.


Gerber Life Grow Up PlanMutual of Omaha Globe Life Child Life Insurance
Day One Coverage?YesYesYes
Policy Minimum$10,000$5,000$5,000
Policy Maximum$50,000$25,000$20,000
Builds Cash Value?YesYesYes
Health Questions Required?Limited questions requiredLimited questions requiredLimited questions required
Issue Age14 days to 14 years old14 days to 25 years oldNot disclosed
Guaranteed Future Insurability?Yes; option to increase coverage at ages 21, 25, 30, 35, and 40Yes; option to increase coverage at ages 30, 33, 36, and 39Yes; details not disclosed
Pricing Example
(5-year-old Male, $10,000 Whole-Life Coverage)
$8.54 per month$6.08 per month$3.82 per month


Gerber Life Insurance Company
Address: Gerber Life Insurance Co. 445 State Street Fremont, MI 49412 
Phone: 800-704-2180 
Website: www.gerberlife.com  
* A.M. Best: A (Excellent) 
BBB: A+
About: Gerber Life has a long history of being there when our customers need us most. We have an "A" (Excellent) rating, most recently in June 2012, from A.M. Best, an impartial reporting firm that rates insurance companies on financial stability, management skill and integrity. This is the third highest rating awarded out of 13 possible categories. Their rating refers only to the overall financial status of the Company and is not a recommendation of the specific policy provisions, rates or practices of the Company. For nearly 80 years, Gerber has been a name that stands for family care. You can have confidence in our name and in our coverage. Gerber Life does business in the U.S., Puerto Rico, and Canada, has more than $37 billion of life insurance in force and insures more than 3 million policies. 


*A.M. Best Company ratings range from A ++ (Superior) to F (In Liquidation)
Gerber Life Insurance Company
Gerber Life Insurance Company Linda Mourkakos - CT
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
excellent always there for any type of question

5
Gerber Life Insurance Company Nikolaos Mourkakos - CT
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
fast and accurate trustworth

5
Gerber Life Insurance Company John Perez - TX
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
Very courteous and helpful.

5
Gerber Life Insurance Company Lawrence Thelen - CT
4

Company: Gerber Life Insurance Company
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
So far so good. Haven’t had to use it yet.

4
Gerber Life Insurance Company Wanda (Tangela) Mcgee - OK
4

Company: Gerber
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Fast application process.

4
Gerber Life Insurance Company Jerry Carrillo Ortiz - NM
5

Company: Gerber Life
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
Easy and quick! Received confirmation via personalized note.

5
Gerber Life Insurance Company Gerard Reyes - NJ
5

Company: Gerber
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
Great product for my need. Thanks.

5
Gerber Life Insurance Company Donald Holder - NC
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
excellent, and satisfied

5
Gerber Life Insurance Company Rick Tyrell - AK
5

Company: Gerber Life Insurance Company
Product: Guaranteed Issue
Plan: Guaranteed Issue Whole Life

Comments:
It was a simple and easy process. Stress free!!

5
Gerber Life Insurance Company Peter Farrell - NY
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
tbd - hasn't kicked in yet.

5
Gerber Life Insurance Company Sue Williams - IL
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
Everyone has been professional and friendly. I would recommend this company for others to purchase
their life insurances policies from.

5
Gerber Life Insurance Company Linda Johnson - CA
5

Company: Gerber
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
Best fit my needs on life insurance

5
Gerber Life Insurance Company Toni Maxwell - CA
5

Company: Gerber
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level - Pay to 100

Comments:
Great help in time of need, awesome working with my agent. Couldn’t of been more happy with the
service.

5
Gerber Life Insurance Company Rebecca Brookins - PA
5

Company: Gerber
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level - Pay to 100

Comments:
I’m glad Gerber had a package for my family. Thank you.

5
Gerber Life Insurance Company Michael Nichols - MS
5

Company: Assurity Life Insurance Company
Product: Assurity Graded Benefit
Plan: Graded Whole Life

Comments:
Professional experience

5
Gerber Life Insurance Company Lisa Epifanio McGovern - NY
3

Company: Gerber Life
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Too early to tell. All seems fine.

3
Gerber Life Insurance Company Gregory Carter - TX
3

Company: Gerber Life Insurance Company
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
its ok the customer service could be more helpful.

3
Gerber Life Insurance Company Bobby Staggs - OK
5

Company: Gerber Life
Product: Life Accident Protection
Plan: Other Term & Accidental

Comments:
Agent is very friendly and she gets the paperwork done quickly

5
Gerber Life Insurance Company Nicholas Brown - NY
5

Company: Gerber Life
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
The transaction was easy to execute.

5
Gerber Life Insurance Company Curtis Lewis - VA
4

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
I have Gerber life for my children, I never thought I would insure myself with them but they offered
a good rate and were easy to deal with.

4
Gerber Life Insurance Company Faith Simpson - AL
5

Company: Gerber Life
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
I'VE USED GERBER FOR MY OTHER POLICES AND ITS ALWAYS BEEN A GOOD EXPERIENCE.

5
Gerber Life Insurance Company Ashley Pearson - OR
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Fast and easy application process, and well priced!

5
Gerber Life Insurance Company Frederick Taylor - CA
5

Company: Gerber Life Insurance Company
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
I'm very satisfied with the policy I received through Gerber Life Insurance.

5
Gerber Life Insurance Company Marianne Daniel - CA
5

Company: Gerber
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Gerber provided me with the type of coverage I need at a reasonable price. Definitely worth it!

5
Gerber Life Insurance Company Pai Thao - WI
5

Company: Gerber Life
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
Excellent rates and coverage.

5
Gerber Life Insurance Company Joy Pellizzari - CA
5

Company: Gerber Life Insurance Company
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
I worked with Jen Plisch. She was very professional and extremely helpful. Her knowledge of your
products was superb! She was very patient with me and my many questions and explained everything so
it was so simple! Thank you Jen !

5
Gerber Life Insurance Company John Pellizzari -
5

Company: Gerber Life
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Jennifer Plisch was our Agent and was very knowledgeable. She had a lot of patience with us and
answered all of our questions professionally and thoroughly. She helped us pick out the policies
that were right for our family. I highly recommend her for helping you decide what your needs might
be. Thank you Ms. Plisch .

5
Gerber Life Insurance Company Justin Ryan - CA
5

Company: Gerber
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
I didn't even know about this kind of policy. Great info and love the policy

5
Gerber Life Insurance Company Nicole Jarvis - FL
5

Company: Gerber
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Great policy at a great price.

5
Gerber Life Insurance Company Venus Pitts - NC
5

Company: Gerber
Product: Life Accident Protection
Plan: To Age 121 Level (No Lapse U/L)

Comments:
This was my first insurance policy, and the process was fast and easy!

5
Gerber Life Insurance Company Kerry N Zenich - OR
5

Company: Gerber Life
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
So far I have had excellent service! I had a recurrence of cancer and am currently undergoing
treatment. I was looking to see if there was any insurance available for me. True Blue took my
information and a Insurance Broker called and told me about Gerber (YES, Gerber's Guaranteed Life).
I was able to get $25k life insurance. There are a few stipulations, and I have not seen the policy
yet, but the service was excellent and I assume it will all go as stated! Thank you Jennifer
Plisch, your assistance and compassion is greatly appreciated!!

5
Gerber Life Insurance Company Heather Moore - TN
5

Company: Gerber
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level (No Lapse U/L)

Comments:
Great customer service!

5
Gerber Life Insurance Company Charles Rosenblum - FL
5

Company: Gerber Life
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
Very helpful- quick to respond and got the application submitted right away.

5
Gerber Life Insurance Company Craig Seavey - NH
4

Company: Gerber Life Insurance Company

Comments:
It was fine they did call me back but they did not call me first.

4
Gerber Life Insurance Company Emily Lee - NY
5

Company: Gerber
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
So glad to be a customer. Thanks so much!

5
Gerber Life Insurance Company Earnest Oblander - KY
4

Company: Gerber Life Insurance Company
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
I need to set up my preferred payment plan by writing a check each time it is due, and not set up to
have it charged to a credit card. That is more of an expense with the interest charges added on to
the cost of the policy.

4
Gerber Life Insurance Company Yolanda Camarena - CA
5

Company: Gerber Life Insurance Company
Product: Guaranteed Life
Plan: Guaranteed Issue Whole Life

Comments:
In one word, excellent service!!

5
Gerber Life Insurance Company Lestine Bowen - VA
5

Company: Gerber Life
Product: Guaranteed Issue No Health Questions
Plan: To Age 121 Level - Pay to 100

Comments:
Reasonable pricing made this policy the best deal.

5