Gerber Life Insurance Review

Based on MoneyGeek's analysis of major insurers, Gerber Life ranks among the best life insurance companies for seniors. 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.

It's also one of the top companies for children life insurance. Gerber's child life insurance plan appeals 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 doesn't offer any universal life plans, so applicants may want to purchase a policy from North American if they’re looking for flexible lifetime coverage.

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

Choose the insurance plan that best suits your unique needs by learning more about Gerber Life's insurance options.

Whole life insurance provides lifetime financial protection with cash value that grows tax-deferred. You'll pay fixed premiums that never increase, and you can borrow against the cash value to cover expenses like long-term care costs. It works well if you're planning your estate, have lifelong dependents or want predictable monthly payments.

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 suits 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.

Life insurance costs depend on several factors. Younger applicants pay less than older ones, and healthy individuals qualify for better rates than those with medical conditions. The coverage amount you choose and the type of policy directly impacts your premium.

Below are average quotes for Gerber term and guaranteed life insurance policies.

These rates are based on our sample profiles. Individual premiums may vary based on your specific health profile, medical history and lifestyle factors. These rates are estimates for comparison purposes only.

Life insurance beneficiaries who need to file a claim with Gerber Life can start the process by calling the dedicated life claim phone line at 1-800-628-0560 to request a life insurance claim form. Representatives are available Monday through Friday from 8 a.m. to 7 p.m. ET.

You'll need to provide essential information about the deceased and submit a certified copy of the death certificate. Beneficiaries must be designated on the insurance policy to receive a payout. Complete all sections of the claim form accurately, including details about your relationship to the deceased and how you'd like to receive payment.

Send completed life insurance claims, forms and correspondence to Gerber Life Insurance Company Life Claims Processing Unit, 445 State Street, Fremont, MI 49412. The timeline varies depending on the specific case and required documentation.

For Guaranteed Life policies, if death occurs in the first two years, beneficiaries receive 110% of earned premiums. After the two-year period ends, the full benefit amount of your policy is paid.

MoneyGeek's Gerber life insurance review found that the company offers life insurance policies geared towards children, teens, college students, adults and seniors. For most plans, you can get a quote and apply easily online. Many applicants can also get life insurance through Gerber without needing a health exam.

Compare Gerber Life policies with products from different insurance companies to determine the best life insurance for your needs.

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

Life insurance companies advertise competitive rates and excellent service, but actual performance varies widely. We analyzed Gerber Life's offers, pros, and cons to determine where it ranks for affordability, customer experience and coverage flexibility.

We scored each company across three weighted factors:

• Affordability (55%): We compared average premiums. Cost determines whether families can maintain coverage long-term, making it the most heavily weighted factor in our analysis.
• Customer Experience (30%): We reviewed J.D. Power ratings, complaint indexes and usability data. This score reveals how insurers handle claims, answer questions and resolve problems.
• Coverage Options (15%): We evaluated product range, riders, conversion privileges and living benefits. More options increase your odds of finding coverage matching your specific needs.

Our rate comparison used a standard sample profile:

• Nonsmoker
• 5 feet 9 inches tall, 160 pounds
• Average health rating

We then modified age, gender, height, weight, tobacco use and health rating to calculate Gerber Life's costs across different customer types. This approach reveals pricing patterns across demographics rather than showing a single scenario.

Data sources include rate filings from state insurance departments, A.M. Best financial stability ratings and MoneyGeek's proprietary insurer database.

Why These Factors Matter

• Affordability receives the highest weight because premiums directly impact whether you can afford coverage. A policy with excellent benefits doesn't help if you can't maintain payments.
• Customer experience scores address a critical concern: Will your beneficiaries face delays or disputes when filing claims? We prioritized complaint ratios and claims processing speed because your family shouldn't struggle with paperwork during difficult times.
• Coverage options matter less than cost and service, but still influence your decision. Riders like accelerated death benefits or guaranteed insurability options add value for specific situations. We evaluated whether Gerber Life's product lineup matches what competitors offer.