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Gerber Life Insurance review 2021

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Find whole life plans designed for covering children, plus options for the entire family.'s rating: 3.5 / 5


Bottom line: Gerber has several options for insuring children, but getting life insurance for your child might not be right for you unless you’ve exhausted other savings and investment plans or child riders.

18 to 70

Issue Age

$10,000 to $300,000


Depends on policy

Medical Exam Required


Policies Term, whole
Coverage maximum $300,000
Term lengths 10, 20 or 30 years
Medical exam required Depends on policy
Available states Not all plans available in NY
Issue age Not listed


  • Easy online quote comparison tool
  • Medical exams not required if you’re between 18 and 50 years old


  • Not as good of an investment as a high-yield savings account or 529 plan
  • More expensive than adding a child rider to your life insurance policy
  • Denied or delayed claims for AD&D policies
Riders Accelerated death benefit rider
Guaranteed insurability rider
Payor benefit rider
Waiver-of-premium rider

Expert review

Megan Shepherd

Review by

Megan Shepherd is an insurance editor at Finder, committed to delivering precise, informative content to help readers evaluate their insurance coverage options. A licensed insurance agent in health, life, disability and general lines of coverage, Megan's expertise is also seen on and backed by more than four years of providing guidance in the industry. She earned her BS at the University of Texas at Dallas and enjoys tuning up her backhand on the tennis court.

Expert review

Gerber life insurance specializes in permanent policies designed to support parents and children as they grow, at an affordable rate.

It also offers term life insurance with wide coverage levels, if you prefer. You can access info easily on Gerber’s website, and run a quote in less than five minutes.

You’ll have a wide variety of no medical exam policies, but if you’re looking to build cash value that you can use toward your child’s education, a savings or 529 plan might reap bigger rewards.

Gerber life insurance rates

Using Gerber’s online quoting tool, we pulled sample rates for a $150,000, 20-year term policy based on a healthy, nonsmoking man and woman.


What affects my rates with Gerber?

Gerber doesn’t disclose any specifics about its rating classes on its website, which is common but suggests less transparency than insurers who do detail this information.

However, any of the following lifestyle and health factors could lower your chance of paying low rates:

  • Diabetes, cancer, stroke, AIDS, HIV, Heart disease diagnosis in the past 10 years
  • Drug use in the past 10 years
  • Weight over specific height-to-weight ratio
  • High blood pressure
  • High cholesterol level
  • Tobacco or nicotine use in the past year
  • Felony or misdemeanor in the past five years

How to get a quote from Gerber life insurance

You can contact Gerber life insurance by phone at 800-704-2180. Otherwise, you can start the quote process online by following these steps:

  1. Choose the type of coverage you want and fill out your state, age, gender and email. Click Get a Free Quote.
  2. View your list of quotes. If you’re happy with one, select it and click Apply Now.
  3. Navigate your way through the application, giving your contact and personal info and answering medical questions.
  4. After answering the questions, designate your beneficiary.
  5. Last, provide your payment method — either bank account draft or credit card — then review and e-sign your documents.
  6. If you’re approved, register your account online to take advantage of Gerber’s eServices. You can set up automatic payments, update your contact information, change your beneficiary and more.

Is a child’s life insurance policy worth it?

A child’s life insurance policy may not give the best protection, even with a college savings feature.

You may get a better investment return from a high-interest savings account or 529 plan. Plus, standard policies offer child riders that extend your benefits to your kids until they’re age 25.

At that point, you often can convert them to individual policies. It’s worth checking out life insurance with child riders to score the most value.

What types of life insurance does Gerber Life offer?

You can find a wider mix of policy types with other companies, but it’s not unusual for Gerber to specialize in whole life insurance. You will find a small term life policy in the mix.

Term life

Gerber has a term life option that’s comparable to other companies, with coverage ranging from $25,000 to $300,000, terms for 10, 20 or 30 years and payments from $15.42 monthly.

Whole life

Gerber offers traditional and unique whole life plans with coverage up to $150,000 and options for a growing kid’s needs. You also can build cash value and borrow from it at 8% interest, a typical rate for this policy.

Its whole life plans include:

  • Gerber life grow-up plan. Coverage up to $50,000 available for children from 14 days to 14 years old. Monthly premiums are guaranteed for life, and the coverage doubles at 18 years old.
  • Guaranteed life. Whole life insurance designed for those between 50 and 80 years old with guaranteed acceptance, no medical exam required. Choose coverage from $5,000 to $25,000.
  • Gerber Life college plan. Life insurance and college savings in one, with a guaranteed $10,000 to $150,000 payment when the policy matures. If the child dies, the beneficiary gets the full payout.
  • Young adult life. Cash-building whole life insurance designed for 15- to 17-year-olds with coverage up to $50,000. Coverage automatically doubles at age 18 with no premium increase.

Does Gerber offer burial insurance?

Yes. Gerber’s guaranteed life insurance serves as burial insurance for seniors ages 50 to 80. You can buy $5,000 to $25,000 in coverage — and loved ones can use the funds to cover your funeral and end-of-life expenses.

What riders can I add to my policy?

Gerber’s website doesn’t give much info about its policy add-ons, but the few it does mention includes unique options and free living benefits:

  • Accelerated death benefit. This free add-on pays up to 50% of your benefit before death if you’re diagnosed with a terminal illness.
  • Guaranteed insurability. Also called a guaranteed purchase option, this rider lets you add insurance as your life changes without needing a medical exam. It’s available on the grow-up policy.
  • Payor benefit. Also called payment protection, this grow-up plan add-on covers payments for the person insured if you die or become disabled and can’t pay premiums.
  • Waiver of premium. This add-on lets you continue coverage uninterrupted if you become disabled and can’t pay for your policy. You also can use this rider during periods of pregnancy.

Gerber reviews and complaints

Founded in 1967, Gerber life insurance has been in the industry for over 50 years, proving it has a long-standing financial history and the likely ability to pay out claims. Gerber is accredited with the Better Business Bureau with an A+ rating, as of October 2020, signaling good customer support.

AM Best also awarded an A rating, suggesting Gerber’s ability to pay future claims. Also, customers on many review sites say that Gerber’s online application is easy to navigate.

However, Gerber settled a lawsuit in August 2020 for over $1 million due to claims violations and delayed payouts. At first, people were denied accidental death and dismemberment (AD&D) claims for their children and were asked to give unnecessary documentation.

Some people sued to receive benefits. Since the lawsuit centered around its death and dismemberment policies, you might think twice before choosing Gerber’s AD&D policy.

How Gerber compares to other companies

Gerber specializes in child and young adult life insurance, not a typical focus for most life insurance companies.

Its college savings policy is unique on the market, though it may not return as much as other investments like 529s. Gerber also offers guaranteed-approval whole life policies, ideal for high-risk applicants.

However, Gerber’s policies may not have cheap premiums. Based on our sample quotes, a $150,000, 20-year term policy for a 30-year-old man costs $32 a month. That’s almost double the average $17 a month for the same policy with $250,000 in coverage.

If you’re looking to insure a child or teen or don’t qualify with other companies, Gerber might be worth a quote. But you might keep shopping if you want highly rated service.

Compare life insurance companies like Gerber

See how Gerber stacks up to other companies’ coverage, cost and benefits. Tap the Compare box to see up to four companies side by side.

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21 - 60 years old
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Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
21 - 54 years old
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Compare up to 4 providers

Frequently asked questions about Gerber life insurance

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry. Gerber receives three and a half out of five stars for fewer than average policy customization options and a higher than average number of customer complaints.

Learn more about our methodology here.

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