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 14, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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

  • Royal Neighbors has lower monthly rates than Gerber Life
  • Royal Neighbors offers more policies than Gerber Life
  • The companies are rated equally by A.M. Best

Gerber Life and Royal Neighbors provide a wide range of permanent and term life insurance policies to customers of all ages. Royal Neighbors has lower monthly rates and more policy options than Gerber Life. Comparing Gerber Life vs. Royal Neighbors will help you decide between these two life insurance providers.

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

Gerber Life vs. Royal Neighbors: What are their monthly rates?

Comparing the monthly rates of two life insurance providers is one way of determining the right one for you. The following charts show Gerber Life insurance rates and Royal Neighbors life insurance rates for a $10,000 whole life policy.

Gerber Life vs. Royal Neighbors: Male Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesRoyal Neighbors Average Monthly Rates
Age 50$44.09$39.51
Age 60$63.89$50.11
Age 70$99.18$74.81
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The following chart shows the same information for females.

Gerber Life vs. Royal Neighbors: Female Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesRoyal Neighbors Average Monthly Rates
Age 50$34.47$33.71
Age 60$51.06$38.21
Age 70$75.53$55.61
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As the charts show, Royal Neighbors rates are lower than Gerber Life and rates for women are lower than the rates for men.

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Gerber Life vs. Royal Neighbors: What policies are offered?

Gerber Life and Royal Neighbors offer term life, final expense, and whole life insurance policies. Additionally, Royal Neighbors offers universal life coverage. Examining these policies will ensure you find the company with the right policy for you.

Gerber Life has term life policies in 10, 20, and 30-year terms. The coverages range from $100,000 to $300,000. Only customers over the age of 50 require a medical exam so most policies won’t feature this requirement.

In addition to term life insurance, Gerber Life offers whole life policies for customers of all ages. This includes child plans, teenage plans, adult plans, and senior plans.

The provider’s child-based policy is the Gerber Life Grow-Up Plan. Available for those between the ages of 14 days and 14 years, coverage is available between $5,000 and $50,000. The value of the policy doubles when the child turns 18 and they can become the policyholder at 21.

If a parent, grandparent, or guardian wishes to provide coverage for a teenager over the age of 14, there are plans available for 15 to 17 years olds. These plans are similar to the child plan and can be converted into an adult plan at a later date.

Gerber Life insurance for adults is available for those 18 years and older. This type of coverage ranges from $50,000 to $300,000. Similar to term life coverage, only those over the age of 50 require a medical exam for approval.

The senior plan provided by Gerber Life is designed for final expenses. Available for those between 50 and 80 years of age, coverage ranges from $5,000 to $25,000. These plans are used to pay for funeral and burial expenses.

Royal Neighbors offers term life plans in 15, 20, and 30-year terms. These limited coverages are available for those between the ages of 18 and 65 and can offer coverage of $50,000 to $5 million. These term life policies can be renewed until the policyholder is 90 years old.

Similar to Gerber Life, Royal Neighbors offers various whole life policies based on age. The Youth Essential Life policy is for children up to 17 and has a minimum coverage of $10,000. The Essential Life plan covers those between 18 and 65 and has a minimum coverage of $25,000.

The Royal Legacy Life plan is a single-premium whole life policy, designed as an estate-planning tool. Available for those between 45 and 80 years of age, coverage ranges from $10,000 to $200,000.

There are two types of universal life policies offered by Royal Neighbors. One emphasizes cash-value accrual and the other emphasizes guaranteed death benefits. The cash value policy is available up to age 85 while the guaranteed death benefits policy is available up to age 75.

For final expenses, Royal Neighbors offers coverage for those between 50 and 85 years of age. The value of these policies ranges from $5,000 to $25,000. These policies don’t require a medical exam but a medical questionnaire must be completed. Burial insurance requires a two-year waiting period.

Gerber Life vs. Royal Neighbors: What riders are available?

Most life insurance providers offer options that can be added to a policy. Known as riders, these options allow customers to customize their policy to their needs. Gerber Life and Royal Neighbors offer riders to customers.

The only rider offered by Gerber Life is a guaranteed purchase option rider. Only available for the Gerber Life Grow-Up Plan, this rider allows the child to purchase additional life insurance when they become the policyholder at age 21.

Royal Neighbors offers a variety of riders that can be added to a policy. Optional riders offered by Royal Neighbors include:

  • Accelerated death benefit
  • Child rider
  • Waiver of a premium
  • Accidental death
  • Guaranteed insurability
  • Flexible premium deferred annuity

As you can see, Royal Neighbors offers more riders than Gerber Life.

Gerber Life vs. Royal Neighbors: What are their financial ratings?

A.M. Best is a credit rating agency that grades life insurance providers. These financial ratings determine the likelihood that a company will be able to provide a payout when a claim is filed. Royal Neighbors and Gerber Life insurance reviews have been completed by A.M. Best.

Gerber Life and Royal Neighbors have both been rated an “A” by A.M. Best. Described by the agency as “excellent,” these ratings show that both companies should be able to provide a payout when a claim is filed, even under difficult economic circumstances.

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Gerber Life vs. Royal Neighbors: How can you purchase life insurance policies?

You can buy Gerber Life insurance policies online or by phone. While the company doesn’t have a mobile application, it does have a mobile-friendly website that allows customers to purchase policies on mobile devices.

Customers can’t buy Royal Neighbors life insurance or obtain quotes through their website. To receive a quote or purchase a policy, potential customers must call an agent. The company website has a Royal Neighbors customer login and Royal Neighbors agent login to access information.

Gerber Life vs. Royal Neighbors: The Bottom Line

Gerber Life and Royal Neighbors offer similar term life, whole life, and final expense insurance but there are some differences. Comparing Gerber Life vs. Royal Neighbors shows that Royal Neighbors has lower monthly rates and more insurance options. Examining the specifics of the policies will help to determine the right provider for you.

Affordable Gerber Life insurance quotes and affordable Royal Neighbors life insurance quotes are available.

Now that you’ve compared Gerber Life vs. Royal Neighbors, enter your ZIP code to find the top life insurance rates in your area.

Gerber Life vs. Royal Neighbors: Frequently Asked Questions

Here are some frequently asked questions about Gerber Life and Royal Neighbors.

#1 – Can I buy other products from Gerber Life and Royal Neighbors?

Gerber Life products are limited to life insurance and final expense insurance. Royal Neighbors also sells annuities.

#2 – How can I make changes to my Gerber Life or Royal Neighbors policy?

Gerber Life policy changes can be made by entering the Gerber Life customer portal. Royal Neighbors has member forms on their website that can be used to make policy changes.

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

Payments to Gerber Life and Royal Neighbors of America can be made by debit card, credit card, automatic bank draft, and check.