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: Apr 30, 2021

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The Facts of Life

  • Gerber Life has an A rating from A.M. Best
  • Gerber Life offers both term and whole life insurance policies
  • Life insurance policies start at as little as $3.27 per month

While Gerber may be synonymous with baby food and onesies, that’s far from all that they do.

In fact, Gerber Life insurance company has been around since 1967, providing affordable whole life insurance options for children and now adults and seniors as well.

Keep reading to learn more about Gerber Life Insurance and what coverages they offer.

Before jumping into this Gerber Life review, enter your ZIP code above, and we can help you find and compare rates today.

Is Gerber Life affordable?

Gerber Life insurance offers life insurance policies for both children and adults and senior life insurance. Their children’s life policies start at as little as $3.27 per month, according to Gerber, for $5,000 of coverage.

This is very affordable, given that the policy grows cash value and doubles in coverage when the child turns 18.

Gerber’s term life insurance is said to start at around $15 per month, which is also very affordable and average for term rates for adults.

However, it’s important to remember that life insurance rates vary widely from person to person based on individual circumstances.

The rates they provide are the lowest possible and not necessarily what you may get quoted or approved for.

The best way to get affordable Gerber life insurance quotes is to get a personal quote using your information.

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Types of Life Insurance Coverage

Gerber Life offers life insurance policies for every stage of life, from childhood to the age of 80.

Currently, they offer two plans for children and teens, two plans for adults that can also benefit seniors, and one senior-focused policy.

Child Policies

Gerber Grow-Up Plan

Designed for children under fourteen, this policy provides guaranteed life insurance for life, even if their health status changes.

The plan builds cash value to borrow against it as they age, and coverage doubles when the child turns 18.

Young Adult Plan

Designed for teens from 15 to 18, this plan will also double when the child reaches 18. The plan provides coverage through a child’s life and builds a cash value over time, with consistent premiums.


Term Life Insurance

Gerber Life offers terms of 10, 20, or 30 years with coverage up to $300,000. Unlike other term policies, this term policy has fixed premiums. In many cases, there will not be a medical exam required.

Whole Life Insurance

This policy is available for those 18 to 70 and has fixed premiums throughout the life of the policy. Gerber whole life insurance allows you to earn cash value that you can borrow against in times of need.

The plan also has a no-cancellation policy as long as your premiums are paid and provides coverage up to $300,000.


Guaranteed Life Insurance

Designed for those from age 50 to 80, this policy provides coverage up to $25,000.

The policy has guaranteed approval, no medical exams or questionnaires, and builds cash value that can be borrowed against if needed.

Other Services From Gerber Life

In addition to providing life insurance, Gerber Life also has two other financial services available to families. The first is Accident Protection Insurance.

Accident Protection Insurance is designed to provide financial support after a death or disabling injury. The protection covers up to $100,000 in medical expenses, lost wages, and other costs.

The coverage can be individual or, for married couples, combined. Coverage is provided to those aged 19 to 69, and approval is guaranteed; no medical exam is required.

The second service offered is the Gerber College Plan. This is essentially a savings fund with additional benefits for you and your child.

The policy is flexible, so your child can use the funds that you save for college or other life plans when they hit 18.

The plan will grow your investment over time and has a guaranteed payout of anywhere from $10,000 to $150,000.

The College Plan’s flexibility makes it a great way to set your child up for success, whatever that looks like to them, be it college or a downpayment on a house or something else.

Gerber Life also offers protection on the College Plan that will allow you to ensure your child’s plan will be paid out to them even if you should pass before it matures.

Customer Complaints

Before deciding to work with any company, it can be helpful to see how other customers have felt about their services.

For insurance companies, one of the easiest ways to do this is to look at the National Associate of Insurance Commissioners (NAIC) and their complaint index.

Currently, Gerber Life has a complaint index score of 0.43, which is very good as the average score would be one.

The score is based on the number of complaints to premiums written, so it is a great way to fairly compare companies of different sizes.

Gerber Life’s low score would suggest that, on average, customers are not complaining about the services that are being rendered.

For additional confirmation, we checked the BBB, and they have given Gerber Life a rating of A. With two sources agreeing, it would seem that customers are generally satisfied with Gerber Life services.

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Should I buy Gerber life insurance?

Gerber Life offers policies for every stage of life, which can be a great benefit to those looking to insure more than one member of their family.

The company’s stable outlook and financial rating of A from A.M. Best instills confidence that the money you are investing in these policies won’t be squandered.

While individual Gerber Life insurance rates will vary based on personal circumstances, all of Gerber’s child plans are very affordable.

As children are the heart of their brand, this makes sense and makes them a very attractive option for parents seeking to find a policy for their child.

Gerber Life life insurance is a solid contender for anyone searching for a life insurance provider.

The best way to determine if they are the right provider for you is to get a Gerber Life insurance quote and, according to the Insurance Information Institute, shop around and compare quotes from other companies.

What do I need to know about Gerber life insurance?

While the larger company Gerber was founded in 1927 and began making baby food, Gerber Life insurance was founded in 1967.

The company has always been focused on providing services for children and parents, from food to clothing to life insurance and college funds.

As a financial institution, Gerber Life Insurance holds a current A.M. Best rating of A, which is one of the highest rankings available.

The company also has a stable financial outlook, according to A.M. Best, which can put prospective customers at ease, knowing their investment is in good hands.

Currently, Gerber Life offers insurance policies for not only children, but young adults, adults, and elders.

They also offer other financial and insurance products to help support and protect families at different stages of their lives.

Now that you’ve finished this Gerber Life review, enter your ZIP code below. We will help you find local providers, making your search for affordable life insurance easier.