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 28, 2021

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The Facts of Life

  • United Home Life has lower monthly rates than Gerber Life.
  • Both providers offer term life and whole life insurance.
  • The companies have the same rating from A.M. Best.

Gerber Life and United Home Life offer permanent and term life insurance options. When we compare Gerber Life vs. United Home Life, we discover that they have similar products and equal ratings by A.M. Best. However, United Home Life has lower monthly rates. A closer look at these providers will help you decide between the two.

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

Gerber Life vs. United Home Life: What are their monthly rates?

Comparing Gerber Life vs. United Home Life life insurance rates will help you determine which one is more affordable. This first chart shows the rates from these companies for men based on age.

Gerber Life vs. United Home Life: Male Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesUnited Home Life Average Monthly Rates
Age 50$44.09$43.20
Age 60$63.89$57.86
Age 70$99.18$88.55
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The next chart shows the same information for women.

Gerber Life vs. United Home Life: Female Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesUnited Home Life Average Monthly Rates
Age 50$34.47$32.91
Age 60$51.06$45.98
Age 70$75.53$69.69
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As you can see, United Home Life rates are lower than Gerber Life and the rates for women are lower than those for men.

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Gerber Life vs. United Home Life: What products are offered?

Gerber Life and United Home Life offer term life and whole life insurance products. Comparing the offerings of each provider will help you find the policy that best fits your family.

Gerber Life offers term life insurance in 10-, 20-, and 30-year terms. These short-term policies range in value from $100,000 to $300,000. Only those over the age of 50 require a medical exam for approval.

The provider offers various whole life policies that range from adolescence through death. The type of policy you require depends on your age when you purchase. Most of the company’s policies can be converted into another at a later date.

The Gerber Life Grow-Up Plan is for those between the ages of 14 days and 14 years. It can be purchased for a child by a parent, grandparent, or other legal guardian. The value of this type of policy is lower than that of an adult policy, ranging from $5,000 to $50,000. However, the value doubles when the child turns 18 and it can then be converted into an adult policy.

For those that wish to purchase a policy for a child between the ages of 15 and 17, there is a teenage policy available. It doesn’t offer all of the benefits of the Gerber Life Grow-Up Plan, but it allows you to begin a policy for your child before they reach adulthood.

Gerber Life insurance for adults starts at the age of 18 and coverage ranges from $50,000 to $300,000. Similar to the provider’s term life policies, only those over 50 at the time of purchase require a medical exam for approval, so most customers won’t require an exam.

The senior plan offered by Gerber Life is designed for final expenses. Available for those between the ages of 50 and 80, these plans range in value from $5,000 to $25,000.

United Home Life offers an express-issue term life policy that is available in values up to $150,000. The company only offers simplified issue term life policies, so customers won’t require a medical exam, regardless of their age.

In addition to the term life policy, United Home Life offers two whole life options. The graded benefit option is available for those between the ages of 25 and 80 and the coverage value ranges from $2,000 to $25,000.

The simplified issue plan is for those between the ages of 20 and 80 and ranges from $5,000 to $100,000. However, the maximum coverage for customers above 60 years of age is $50,000. The reason both whole life policies have low maximum coverage values is that they are designed for final expenses.

Gerber Life vs. United Home Life: What riders are available?

Most life insurance providers offer additional options that can be added to a policy when a basic policy isn’t enough. Known as riders, these options can usually be added on for an additional premium. Gerber Life and United Home Life both offer riders.

The guaranteed purchase option rider is the only option offered by Gerber Life and is only available for the Gerber Life Grow-Up Plan. This rider allows the child to add additional life insurance if they become the policyholder as an adult.

United Home Life offers various riders that can be added to a policy for an additional premium. Optional riders offered by United Home Life include:

  • Identity theft waiver of premium
  • Hospital stay waiver of premium
  • Common carrier accidental death benefit
  • Child rider
  • No-cost terminal illness rider

While Gerber Life and United Home Life offer riders, their selections are limited compared to their competitors.

Gerber Life vs. United Home Life: What are their financial ratings?

The financial ratings provided by credit rating agencies determine the likelihood that a company will be able to provide the payout when a claim is filed. United Home Life and Gerber Life insurance reviews have been conducted by A.M. Best.

Gerber Life and United Home Life have both been rated an “A” by A.M. Best. This rating is described as “excellent” and means that the providers are expected to be able to pay for claims, even during difficult economic circumstances.

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Gerber Life vs. United Home Life: The Bottom Line

Gerber Life and United Home Life offer various types of life insurance. While the two providers have been rated the same by A.M. Best, United Home Life has lower rates.

For many, the decision will come down to the specifics of the policies. Comparing affordable Gerber Life vs. United Home Life life insurance quotes will help you to find the right provider for your needs.

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

Gerber Life vs. United Home Life: Frequently Asked Questions

Still unsure if you should buy Gerber Life insurance vs. United Home Life life insurance? Here are some frequently asked questions about Gerber Life and United Home Life.

#1 – Can I file a Gerber Life or United Home Life claim online?

United Home Life offers a claim form that can be filled out and submitted online. Gerber Life doesn’t currently offer an online claim form but the company can be contacted by calling the claims department at 1-800-628-0560.

#2 – Can I make Gerber Life or United Home Life policy changes online?

Once a policy has been purchased, you can make changes or payments online using your Gerber Life or United Home Life login.

#3 – Can I buy Gerber Life insurance online?

Gerber Life insurance can be purchased online or by phone.

#4 – Can I buy United Home Life insurance online?

United Home Life quotes and policies can be obtained by contacting an agent. Contact information can be found on the United Home Life website.