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 16, 2021

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The Facts of Life
  • Oxford has lower monthly rates than Gerber Life
  • Gerber Life has a wider range of policies than Oxford
  • Gerber Life and Oxford have the same A.M. Best ratings

Gerber Life and Oxford provide permanent and term life insurance products to various customers. While Gerber Life provides policies for people of all ages, Oxford focuses on those of advanced ages.

Comparing Gerber Life vs. Oxford shows that Oxford has lower rates but Gerber Life offers a wider range of policies.

Before jumping into this Gerber Life vs. Oxford  review, enter your ZIP code to find the best life insurance quotes in your area.

Gerber Life vs. Oxford: What are their monthly rates?

Comparing the monthly rates of two life insurance providers is one way to determine the right fit for you. The following charts show the monthly rates of Gerber Life and Oxford for a $10,000 whole life policy based on age and gender.

Gerber Life vs. Oxford: Male Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesOxford Average Monthly Rates
Age 50$44.09$24.51
Age 60$63.89$39.90
Age 70$99.18$68.43
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The following chart has the same information for females.

Gerber Life vs. Oxford: Female Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesOxford Average Monthly Rates
Age 50$34.47$20.54
Age 60$51.06$32.32
Age 70$75.53$52.12
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As you can see, Oxford Life Insurance rates are lower than Gerber Life insurance rates and female rates are lower than male rates.

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Gerber Life vs. Oxford: What products are offered?

The primary difference between Gerber Life and Oxford is the type of policies offered. Gerber Life has policies specifically designed for young families, while Oxford is focused on customers of an older age.

Gerber Life offers term life policies available in 10, 20, and 30-year terms. These policies range from $100,000 to $300,000. Only those aging 51 years and older require a medical exam so most policies will avoid this procedure.

The company has a variety of whole life insurance policies that differ based on age. These policies provide life insurance options for children, teenagers, adults, and seniors.

The Gerber Life Grow-Up Plan is designed for children between the ages of 14 days and 14 years. Purchased by a parent, grandparent, or legal guardian, coverage ranges from $5,000 to $50,000. When the child turns 18, the value doubles and they can become the policyholder at 21 years of age.

If a parent, grandparent, or legal guardian waits until after the child is beyond 14 years of age, there is a teenage option available for those between 15 and 17 years old. It’s similar to the child plan but the child doesn’t wait as long to become the policyholder.

Gerber Life insurance for adults can be purchased by customers that are 18 years and older. The value of these policies increases significantly, ranging from $50,000 to $300,000.

Child and teenage plans can be converted into an adult plan when the child turns 21 years old and only those 51 years and older require a medical exam.

The provider has a senior plan but it’s designed to cover final expenses, like a funeral and burial. Only available for those between 50 and 80 years of age, the coverage is between $5,000 and $25,000. The policy can be purchased as a one-time payment and no medical exam is required.

Oxford is unique in that the company focuses on older customers. They have three life insurance policies available for purchase, featuring a minimum age of 50 years. Two of the policies are for final expenses with the third being for the transfer of money to your loved ones.

The coverage of these policies doesn’t decrease after the premium is paid and customers receive an immediate approval decision. A medical exam is not required, as applicants only need to fill out a medical questionnaire. The policy can’t be canceled unless requested by the policyholder and the cash value can grow over time.

The Prosperity Select plan is a premium life insurance policy, allowing customers to leave money for loved ones while minimizing tax liabilities.

Available for those between the ages of 50 and 85 years, coverage ranges from $5,000 to $30,000. The rate for this policy is based on your age at the time of purchase and won’t change after being issued.

The Assurance and Assurance One plans are for final expenses. While both coverages range from $5,000 to $30,000, Assurance is available for those between 50 and 85 years and Assurance One is for customers between 55 and 80 years of age.

Gerber Life vs. Oxford: What riders are available?

Life insurance providers allow customers to customize their coverage by adding options to a policy. Referred to as riders, most of these add-ons are optional and can be added for an additional premium. Gerber Life and Oxford offer optional riders.

The only option offered by Gerber Life is a guaranteed purchase option. Available solely for the Gerber Life Grow-Up Plan, this rider allows the child to purchase additional coverage when they become the policyholder at 21 years of age.

Oxford offers different options that can be added to a policy for an additional premium. Optional riders offered by Oxford include:

  • Terminal illness rider
  • Chronic illness rider
  • Nursing home rider
  • Common carrier rider

Both of these companies offer fewer riders than most of their competitors.

Gerber LIfe vs. Oxford: What are their financial ratings?

A.M. Best is a credit rating agency that provides financial ratings to life insurance providers. These ratings determine the company’s ability to provide a payout when a claim is filed. Oxford and Gerber Life insurance reviews have been completed by A.M. Best.

Gerber Life and Oxford have been rated an “A” by A.M. Best. Described by the agency as “excellent,” this rating says that the companies have strong finances and should be able to provide a payout, even under difficult economic conditions.

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Gerber Life vs. Oxford: How do you make a claim or cancel a policy?

Gerber Life allows customers to make claims online or by phone. Policies can be canceled by calling the company. In addition to a cancelation call, a written request should be sent by mail or fax. When canceling a policy, customers will get their cash value back minus any outstanding debt against the policy.

Oxford claims can only be made by calling Oxford Life Insurance Company customer service. The cancelation of a policy is noticeably more complicated. Customers must fill out a Life Insurance Surrender/Cancelation Form found on the company’s website and mail it to the provider.

Gerber Life vs. Oxford: Do they have mobile access?

Gerber Life has a mobile app but it’s only for agents. Customers looking for mobile access can use the provider’s mobile-friendly website. This allows customers to make claims or view policy information from anywhere on a mobile device.

Oxford has a mobile app, called My Oxford, that allows customers to make policy changes, view policy history, and download forms. They also have a mobile-friendly website but the app makes the company more mobile accessible than Gerber Life.

Gerber Life vs. Oxford: Company Background

Gerber began selling life insurance in 1967 as Gerber Life. Headquartered in Fremont, MI, the company focuses its policies on young families. Products can be purchased from this company in the United States, Canada, and Puerto Rico.

The Oxford Life Insurance Company was founded in 1965 in Phoenix, AZ. Initially founded to provide final expense insurance, that purpose has been maintained. The provider is currently a subsidiary of the North American Insurance Company and the Christian Fidelity Life Insurance Company.

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Gerber Life vs. Oxford: The Bottom Line

The decision between Gerber Life and Oxford will largely depend on the type of life insurance you desire. Gerber Life has life insurance for all ages, making it the choice for long-term life insurance. Oxford offers lower rates but is only available for older customers. Comparing Gerber Life vs. Oxford will help you determine the company that best meets your needs.

Affordable Gerber Life insurance quotes and affordable Oxford Life Insurance quotes are available.

Now that you’ve compared Gerber Life vs. Oxford, enter your ZIP code to discover the best life insurance rates in your area.

Gerber Life vs. Oxford: Frequently Asked Questions

Here are some frequently asked questions about Gerber Life and Oxford.

#1 – Can I buy Gerber Life insurance and buy Oxford life insurance online?

Gerber Life insurance can be purchased online or by phone. Customers looking for Oxford life insurance must call the Oxford Life Insurance phone number to purchase a policy.

#2 – What else can I buy from Gerber Life and Oxford?

In addition to life insurance, Gerber Life offers a college savings plan. Oxford offers annuities and medicare supplements for customers.

#3 – How can I make Gerber Life and Oxford payments?

Payment methods for Gerber Life and Oxford Life Insurance can be made by credit card, debit card, check, and automatic bank draft.