Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 16, 2021

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Gerber Life has been operating in North America for over 50 years.
  • They offer a variety of child and adult life insurance.
  • Canceling a policy can be done in a few short steps.

If you decide that it’s time to get out of your Gerber Life insurance policy, it can feel like a big decision. However, depending on the complexity of coverage, this can usually be accomplished in a few short steps. This lets the customer browse the best life insurance companies.

Seeing as a longer cancellation process just means more money spent on losing a customer, it’s just good business sense to make the process as painless as possible. There are also a number of options you could switch to if that’s best for your situation.

Curious about what you’ll pay when you get out of your Gerber life insurance policy? Enter your ZIP code to get a free quote once you surrender your Gerber life insurance policy.

How Do I Surrender My Gerber Life Insurance Policy?

Deciding to get out of your Gerber Life Insurance program, be it the child or adult policies, is a big moment. However, whenever that decision is made, you can rest assured in knowing that it’s a fairly easy process.

How Do I Cancel My Gerber Life Insurance Policy?

In order to cancel with Gerber Life, you need to:

  • Call 1-800-704-3341.
  • Request to speak to someone about canceling your policy.
  • Provide proof of your policy via your policy number or other identification.
  • Expect to receive an email or letter confirming your cancelation.

If you have a Gerber Life Grow-Up or whole life policy, you can also expect to receive any cash value you’ve accumulated that was left after paying off what was owed on the policy.

Can I Cancel My Gerber Life Insurance?

While deciding to cancel an insurance policy can be a big decision, it can be achieved, most of the time, in under an hour. Once you get confirmation, you’re free to shop around for a new policy or move to another option within Gerber Life’s available options.

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Gerber Life Insurance Products

The Gerber Life insurance company has been providing coverage for juveniles and middle-class families for over 50 years at this point. With a marketing platform that has plastered the airwaves of children’s channels, Gerber’s target audience is clear.

That being said, Gerber Life also offers a form of health insurance to small businesses. While the company originally started in America, it currently holds over 3.6 million policies in the US, Canada, and Puerto Rico. This totals to about $52 million of in-force life insurance policies.

Gerber Life Grow-Up Plan

Getting a Gerber Life Grow-Up Plan for a child or grandchild can provide unique opportunities in savings and will provide coverage for proper expenses if the worst was to happen. The policy applies to anyone under 14 and provides benefits to a grieving family, or when the child comes of age.

As a whole life policy, the Gerber Life Grow-Up plan provides the policyholders with an option to gain cash value, which can be borrowed against as long as premium payments are up to date. When the insured person reaches age 21, they have the option to continue or cease coverage.

Permanent and Term Life

Children’s life insurance is far from where Gerber’s policies end and the insurers are more than dedicated to providing a policy that meets any number of customer needs. This includes Term Life, Whole Life, Guaranteed Life, and Accident Protection.

Gerber’s term life insurance policies can last in increments of 10 years and offers a death benefit of up to $30,000. The insurer states that most applicants don’t need a medical exam and can have their application decision within minutes.

With a Gerber whole life insurance policy, the premiums will stay at a flat rate and cannot be canceled. This policy offers an opportunity to build cash value from a portion of the premium, in addition to a death benefit of up to $300,000.

In addition, Gerber also has a guaranteed life program available for anyone over the age of 50. This type of policy guarantees that the person will be able to get insured and it can be used to cover final expenses and burial costs.

Gerber Life Insurance Cost

As with other life insurance companies, Gerber Life insurance’s quotes will differ depending on a variety of factors like age, tobacco use, and pre-existing medical conditions. Some policies are also more expensive due to the nature of investment or savings components available in them.

However, for an example, take a look at what a healthy non-smoking woman can expect to pay for a 20-year term life policy with varying death benefits. Affordable Gerber life insurance is available if you apply while you’re still young.

Age$100,000/20-Year$150,000/20-Year$200,000/20-Year
20$15.58$26.17$31.46
25$16.00$21.50$27.00
30$18.75$25.63$32.50
35$21.50$29.75$38.00
40$27.58$38.88$50.17
45$33.58$47.88$62.17
50$45.67$66.00$86.33
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As you can see, getting a Gerber life insurance quote will be more expensive the larger the death benefit. That being said, the policy is still fairly affordable as the client goes up in age. Those looking to buy Gerber life insurance early enough can still save plenty.

Gerber Life Insurance Reviews

Gerber Life has been in the industry for over 50 years and has established itself as a reliable source for coverage in that time. Not every customer has left satisfied, though, and some have gone as far as to file public complaints with various rating services.

There aren’t many Gerber Life reviews from industry rating companies, but the ones that are out there are positive.

Customer Reviews

There were a total of 96 complaints closed by Gerber Life in the last three years and 33 of them in just the last 12 months alone, as shown on the Better Business Bureau’s website. The star rating is just above one, with some customer’s taking issue with the lack of proper communication.

Industry Reviews

There aren’t many industry reviews currently available for Gerber Life. Currently, the Better Business Bureau has Gerber Life rated with an A+ and A.M. Best rates the company with an A to recognize their excellence in the business.

These ratings would serve as proof that the policyholder might face minimal issues during the length of their agreement. It’s always smart to make sure that you know the ins and outs of the policy beforehand, though.

Wanna know what you could pay after you cancel your Gerber Life policy? Enter your ZIP code to get an idea of your rates once you surrender your Gerber life insurance policy.

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