Gerber Life Insurance Review

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Gerber Life Insurance

Overall Rating


Bottom Line

While Gerber Life used to primarily offer life insurance for young children, they now offer a variety of life insurance products.


  • No Medical Exam Required
  • Numerous Policy Options
  • Financially Strong


  • Not the best option for Saving
  • Only one rider option

Financial Strength


Policy Options


Rider Options


Saving Option


When it comes to life insurance, your rates are better the younger you are when you purchase a policy. For this reason, some parents choose to purchase life insurance for their children.

Purchasing a policy for your child allows them to have a policy in place when they’re older. It’s also a good way to teach your children financial literacy and budget management from a young age.

Gerber Life Insurance Company, the same company that sells baby food, advertises special policies that parents can purchase for their young children. They also sell policies that can benefit older insureds as well.

Is Gerber Life really worth it? Check out our review to find out.

About Gerber Life Insurance

Gerber Life provides life insurance coverage for children and adults in the US, Canada, and Puerto Rico. While they originally sold policies meant to cover young children, they soon realized that they needed a wider breadth of insurance products in order to be successful. Now they have a full range of life insurance products and even a college plan for young adults.

Gerber Life Insurance Company was founded in 1967 as a subsidiary of Gerber Products Company, which many are familiar with for their baby food. In 2007, Nestle acquired the products division of Gerber.

The life insurance division was acquired by Western and Southern Financial Group in 2018. They do not plan to rebrand Gerber Life at this time.

Financial Ratings

A great way to compare life insurance companies is to check financial ratings. Financial ratings from major insurance bureaus can give you an idea of what it’s like to do business with a company, how strong their financial outlook is, and if they are able to pay claims.

A.M. Best is an insurance rating bureau that is concerned with insurers’ creditworthiness and financial outlook. They have given Gerber Life an A rating. Based on their rating, A.M. Best believes Gerber Life to be financially stable and able to pay claims.

The Better Business Bureau, also called the BBB, is concerned with interactions between companies and their customers. They have given Gerber Life an A+ rating, which means that Gerber Life has a good reputation among its customers.

Life Insurance Products Offered

While Gerber Life used to primarily offer life insurance for young children, they now offer a variety of life insurance products. Life insurance is generally sold in term policies (policies that expire) or permanent policies. Gerber Life has several policies for applicants to choose from within these two categories.

Unfortunately, Gerber Life only offers one rider or additional coverage. If you choose, you may purchase a waiver of premium rider, which waives premium payments if you’re unable to make payments due to an injury or disability.

Here are the life insurance policies that you can purchase through Gerber Life:

Term Life

Term life insurance covers you for a certain amount of time, which is specified by the policy’s term. Gerber Life offers terms of 10, 15, 20, and 30 years. If you pass away during your term, your beneficiary will receive a payout. If you don’t, then the policy will simply lapse.

Gerber Life offers their term life product through an online life insurance application. Many people can qualify for the policy without a medical exam, which can speed up the underwriting process.

Gerber Life offers term life coverage from $25,000 to $150,000. They advertise monthly payments as low as $8 per month.

Whole Life

Whole life insurance, also called permanent life insurance, covers you for your entire life. This means that your beneficiary will get a guaranteed death benefit when you pass away.

With whole life policies and other permanent life products, you have the opportunity to build up cash value that you can borrow against down the line. It is also tax-deferred until you borrow it.

Gerber Life offers coverage up to $150,000 and a guaranteed level premium for the life of the policy. These policies are available to applicants ages 18 to 70. If you are under 51 years old, you may qualify without a medical exam.

Guaranteed Life

Gerber Life’s Guaranteed Life product is a whole life insurance policy designed for applicants from 50 to 80 years old. This type of policy is also called final expense insurance and is meant to cover the costs associated with burial and funeral.

Applicants are guaranteed acceptance with no medical exam, but coverages are very low. The maximum amount of coverage that you can get with this product is $25,000.

Accident Protection

The Accident Protection product offers a cash benefit in the event of an accident-related death or an injury as a result of an accident. This can help people cover the cost of lost wages, medical bills, and more.

Applicants are guaranteed approval for this, and coverage can go up to $100,000. No medical exam is required, and you are guaranteed level premiums.

Gerber Life Grow-Up Plan

Gerber Life’s Grow-Up Plan is their most well-known product because it is relatively unique. It is a whole life insurance plan for children from 14 days to 14 years old.

A parent or guardian completes the application and can apply for coverage up to $50,000. They make monthly payments like any other life insurance policy and hand the policy over to the child when they turn 18.

The coverage doubles when the insured turns 18 years old. However, this means that the maximum coverage the insured will get is $100,000, which is pretty low for a life insurance policy. This is something to consider before you purchase it.

Young Adult Life

The Young Adult life insurance product is for children that have aged out of the Grow-Up plan. It is a whole life insurance policy designed for children from ages 15 to 17.

Like the Grow-Up plan, this product offers cash value buildup and coverage up to $50,000—the coverage doubles when the insured turns 18 years old.

Gerber Life College Plan

Gerber Life’s College Plan is a product that combines life insurance and a college savings plan in one policy.

This product allows you to build up savings for college expenses with your premium payments. The account’s growth is not affected by the stock market, which means that you don’t have to worry about losing value.

Gerber Life will make a guaranteed payment of $10,000 to $150,000 to the policyholder when the policy reaches maturity. If the unspeakable happens, the beneficiary will receive a death benefit.

Gerber Life Quotes

Many people are curious about how to get a good life insurance rate. Like other life insurance companies, Gerber Life underwrites based on your age, health, lifestyle, occupation, and other factors that affect your longevity. The best way to get a good rate is to live an active, healthy lifestyle and purchase a policy as soon as you need it.

Gerber Life’s Grow-Up Plan is their most well-known product because it is pretty unique. Many people are curious about how affordable it really is. To give you an idea, here are some monthly sample rates for Gerber Life’s Grow-Up plan below:

Age $5,000 $10,000 $15,000 $25,000 $35,000
>1 year old $3.27 $6.53 $9.80 $15.70 $21.98
2 years old $3.50 $7 $10.50 $16.83 $23.56
4 years old $3.73 $7.45 $11.19 $17.91 $25.07
6 years old $3.96 $7.93 $11.89 $19.05 $26.67
8 years old $4.24 $8.47 $12.71 $20.35 $28.48
10 years old $4.53 $9.05 $13.58 $21.76 $30.46
12 years old $4.85 $9.70 $14.55 $23.33 $32.66
14 years old $5.20 $10.38 $15.58 $24.98 $34.98


Gerber Life collects personal information to manage your account and offer products and services. It is only shared with companies that help Gerber run its website and marketing on their behalf. They do not sell your information to third parties.

Gerber Life uses industry standards to safeguard your data on their website, such as SSL encryption and administrative standards for handling information.

Customer Support

Gerber Life’s customer support team can be reached by phone, email, or fax. Representatives are available from 8 a.m. to 7 p.m. EST Monday through Friday or 9 a.m. to 5 p.m. on Saturday.

While their customer service availability seems pretty standard, customers still report difficulty getting in touch with representatives. This can be an issue if strong customer service is important to you.

Pros and Cons

Finding the right life insurance company for you means weighing the good against the bad. Here are some of the pros and cons of purchasing life insurance through Gerber Life.


  • Medical exams not required: Gerber Life’s simplified underwriting means that many applicants between the ages of 18 and 50 can skip a medical exam. This can expedite the underwriting process and help you get approved more quickly.
  • Many policy options: Gerber Life has policies that cater to both children and adults. With both term and permanent policies, you can find life insurance protection that suits your needs.


  • Not the best option for saving: The College Plan may sound like a good deal for those interested in a life insurance policy and college savings, but it may not give you the returns that you hope for. Those who are just interested in college savings will probably get higher returns on a high-yield savings account or 529 plan.
  • An additional term policy may be unnecessary: Many insurance companies offer child’s term riders on existing life insurance policies. This means that you can add a term life policy for your child as a rider on your existing policy. This may be cheaper and easier than taking out a new policy just for your child.
  • Only one rider: Most insurance companies offer a wide range of riders to help you customize your coverage. Gerber Life, however, only has one rider to speak of on its website: waiver of premium rider. This can be limiting if you want expanded coverage on your life insurance.

Alternatives to Gerber Life

Life insurance policies for children are relatively niche, so there isn’t much competition facing Gerber Life. However, there is another life insurance company, American Family, that offers policies for children.

Here is a quick rundown of what they offer.

American Family

Also called AmFam, American Family also offers a whole life policy for children. While American Family has similar financial ratings to Gerber Life, they have much better customer service reviews. If getting in touch with someone is important to you, this can be a deciding factor.

American Family has rates that are slightly lower than Gerber Life, but their policy coverage does not double when the child turns 18. This puts them at a slight disadvantage to Gerber Life.

Is Gerber Life Insurance For You?

As it turns out, there is more to Gerber than the cute face on your baby food jar. They offer a fair number of life insurance policies that can benefit children and adults alike.

While the Grow-Up Plan is pretty affordable, it still may be unnecessary if you’re not purchasing it for the right reasons. If you would like to get your child a life insurance policy that they can take over in the future, then this may be a good way to do it.

If you are looking to insure your child’s life, you would probably be better off adding a child’s term life rider to your own life insurance policy. After all, life insurance policies are meant to protect lost income. A child under 14 probably isn’t bringing in any significant income and therefore, likely doesn’t need their own policy.

If you’re still confused, chat with a financial professional. They will be able to advise you on your particular situation and guide you in the right direction.

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