{"id":323769,"date":"2025-11-10T17:03:35","date_gmt":"2025-11-10T22:03:35","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=129339"},"modified":"2025-11-10T17:03:35","modified_gmt":"2025-11-10T22:03:35","slug":"gerber-life-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/gerber-life-review\/","title":{"rendered":"Gerber Life Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Gerber Life Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Our latest review highlights Gerber Life\u2019s niche in children\u2019s whole life and simplified-issue coverage; overall value depends on your need for modest face amounts and no-exam underwriting.&nbsp;<\/li><li>Gerber Life Insurance offers protection for children, young adults, adults, and seniors with policies including children\u2019s whole life (Grow-Up and Young Adult), adult term and whole life, guaranteed issue for seniors, and accident protection<\/li><li>Gerber Life Insurance Company maintains an AM Best Financial Strength Rating of A (Excellent) with a Stable outlook, <a href=\"https:\/\/www.businesswire.com\">affirmed in 2024<\/a> (<a href=\"https:\/\/www.westernsouthern.com\">rating details<\/a>)<\/li><\/ul>\n\n\n\n<p>Consumers shopping for<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/about\/\"> life insurance<\/a> want to know their family is protected by a company they can trust. A familiar household name for over 50 years, Gerber Life Insurance Company provides both <a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-term\/\" class=\"achor-toggles\">term<\/a> and permanent <a href=\"https:\/\/www.reviews.com\/insurance\/life\/best\/\" class=\"achor-toggles\">life insurance<\/a> policies for children, adults, and seniors, with simplified-issue underwriting and online quotes\/applications.<\/p>\n\n\n\n<p>Gerber Life Insurance reviews can vary by state, and complaint levels change over time. With a strong AM Best rating and accessible digital tools \u2014 including an online eService portal and mobile app \u2014 plus family-focused coverage options for children, a Gerber Life policy may be a good fit for many households (<a href=\"https:\/\/www.gerberlife.com\/eService\">eService<\/a>, <a href=\"https:\/\/apps.apple.com\">mobile app<\/a>, <a href=\"https:\/\/www.gerberlife.com\">claims center<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Gerber Life Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_6078f9d99115e\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Gerber Life Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">3.5<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1967<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best: \n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power: \n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">N\/A<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Gerber Life Insurance maintains an<a href=\"https:\/\/ratings.ambest.com\/CompanyProfile.aspx?BL=0&amp;ambnum=7299&amp;AltNum=14937299&amp;AltSrc=3\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> A (Excellent) rating from AM Best<\/a> with a Stable outlook (<a href=\"https:\/\/www.businesswire.com\">affirmed in 2024<\/a>). It has also appeared on <a href=\"https:\/\/www.forbes.com\/best-insurance-firms\/#6740ac8b3659\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> Forbes\u2019 list of America\u2019s Best Insurance Companies<\/a>. Backed by Western &amp; Southern Financial Group, Gerber Life is regarded as a reliable brand for family-focused coverage.<\/p>\n\n\n\n<p>As a member of Western &amp; Southern Financial Group Inc., Gerber Life offers flexible policy options for growing families, particularly those with young children. Its children\u2019s whole life policies can expand as kids reach adulthood, and the company emphasizes streamlined digital servicing through its <a href=\"https:\/\/www.gerberlife.com\/eService\">online eService portal<\/a> and <a href=\"https:\/\/apps.apple.com\">mobile app<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_6078fa2291163\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Positive rating from AM Best<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Awarded an \u201cA\u201d (Excellent) rating by AM Best in December 2020.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Convenient online policy management portal<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Easily manage your policy and pay your premiums through their online eService platform.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Easily receive a free quote<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Consumers can easily receive a free quote online or by calling Gerber Life directly.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Large selection of policies available<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Choose from a variety of plans and coverage types for children, adults, and seniors.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No Universal policy options available<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Unlike some of its competitors, Gerber Life does not offer universal life policies.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Mixed customer service reviews available<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Gerber Life was not listed on J.D. Power&#8217;s life insurance review for satisfactory customer service.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Claims cannot be filed online<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">To file a claim, consumers must call a dedicated claims phone number and request a claim form.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Product availability varies by state<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Per Gerber Life Insurance\u2019s disclosures, not all Gerber Life products are available in all states.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Gerber Life Insurance Highlights\"><\/span>\n    \n\n                \n<section id=\"block_6078fa919116c\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Gerber Life Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage &#038; Riders <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Before You Buy <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage &#038; Riders\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Gerber Life offers a variety of riders. A<\/span><a href=\"https:\/\/www.gerberlife.com\/blog\/waiver-of-premium-rider\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Waiver of Premium rider<\/span><\/a><span style=\"font-weight: 400;\"> can be added to whole life insurance policies may be available on other policy types depending on the death benefit amount and a consumer\u2019s age at time of purchase. The rider will waive the cost of premiums and keep a policy in force in the event a named insured becomes totally disabled.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gerber Life also offers<\/span><a href=\"https:\/\/www.gerberlife.com\/understanding-life-insurance\/life-insurance-101\/child-insurance-rider\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">child riders<\/span><\/a><span style=\"font-weight: 400;\"> on term life policies. Once the term is over, the coverage through the child rider also ends so some consumers may find more value in a whole life policy for their children.<\/span><\/p>\n<p><a href=\"https:\/\/www.gerberlife.com\/understanding-life-insurance\/life-insurance-101\/guaranteed-purchase-option-rider\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Guaranteed Purchase Option riders<\/span><\/a><span style=\"font-weight: 400;\"> are also available through the Gerber Life Grow-Up\u00ae Plan and gives a child several opportunities to buy additional coverage throughout their adulthood at a standard adult premium rate with no medical exam required.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Despite a positive financial rating from AM Best, Gerber Life was not part of the 2020<\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-life-insurance-study\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">J.D. Power<\/span><\/a><span style=\"font-weight: 400;\"> study of customer satisfaction among life insurance companies.<\/span><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=70939\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">NAIC<\/span><\/a><span style=\"font-weight: 400;\"> shows that <\/span><span style=\"font-weight: 400;\">Gerber Life had a higher-than expected complaint index for individual life policies in 2018 at 1.37 and 2019 at 1.54 with complaints coming out of several different states. The complaint index was lower in 2020 at only 0.89 with 7 total complaints.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Before You Buy\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Gerber Life Insurance offers several policies that do not require any prior medical exam including both term and whole life policies.<\/span><a href=\"https:\/\/www.gerberlife.com\/blog\/life-insurance-without-a-physical\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Medical exams may be required<\/span><\/a><span style=\"font-weight: 400;\"> based on answers to basic health questions, especially if applicants have pre-existing conditions. Medical exams may also be required for applications of over $100,000 in coverage or for adults 51 and older.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"life\" title=\"Gerber Life Insurance Policies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Gerber Life Insurance Policies<\/h2>\n\n\n<div id=\"block_6078fb1391170\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Grow-Up\u00ae Plan<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The Gerber Life Grow-Up\u00ae Plan is an affordable alternative for parents who want to purchase coverage for their children. This policy is a whole life plan that is available to kids 14 days old to 14 years old that they will later take ownership of as an adult. This plan provides coverage for life and includes a guaranteed purchase rider that allows the insured several opportunities to buy additional coverage throughout their adulthood at a standard adult premium rate with no medical exam required. Plus, it builds cash value and coverage automatically doubles when a child turns 18. This policy is a great way to lock in a low monthly premium that will be unaffected by age.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fb1991171\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Young Adult Life Insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Gerber Life also offers insurance for young adults (between 14 and 18 years old). Like the Grow-Up\u00ae plan, rates are locked in at a young age, coverage automatically doubles when the insured turns 18, and the policy builds cash value. This coverage guarantees that a young adult can have permanent insurance regardless of any future changes in their health or occupation. Up to $50,000 in coverage can be purchased with a minimum coverage of $5,000.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fb1d91172\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Term Life Insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Gerber term life insurance is insurance designed to provide coverage for a specific number of years \u201410, 20, or 30. This type of coverage is great for young couples who just got married, purchased a home with a mortgage, or have decided to start a family and need to protect their financial future. Available coverage ranges from $100,000 to $300,000 and in some cases, a medical exam is not required depending on coverage amount, age and prior health. The premium will also be locked in for the duration of the term.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fb2191173\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Whole Life Insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">For consumers who want a peace of mind for life rather than coverage for a specific duration of time, Gerber whole life policies are available in amounts from $50,000 to $300,000. Whole life policies build cash value that can be borrowed against for future expenses and as long as premiums are paid, the monthly rate will be locked in for life. Gerber whole life policies are available for adults aged 18 to 70. For over $100,000 in coverage or for applicants over age 51, a medical exam is required.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fb2491174\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Guaranteed Life Insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Gerber guaranteed life insurance is a whole life policy specifically available for seniors aged 50 to 80. Coverage is guaranteed regardless of prior health and no medical exam is required. Coverage is available from $5,000 to $25,000 and is designed to cover burial expenses, unpaid debt, and outstanding medical bills. This policy will also build cash value.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fb6a91175\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Accident Protection Insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Gerber\u2019s accident protection insurance provides coverage in the event of an accidental death or a covered disabling injury which can help families cover medical costs, lost wages, and other expenses arising from an unexpected accident. Available coverage for an individual between 19 and 69 years old varies between $20,000 and $100,000 with no medical exam is required. Coverage is also available regardless of pre-existing health conditions or occupation. Premium rates are locked in and there is no waiting period for coverage to start.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fb7791176\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">College Plan<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The Gerber college plan is another great option available for children. This plan is specifically designed to provide a benefit up to $150,000 when the policy matures (depending on policy duration) to cover college expenses or other out-of-pocket costs while also doubling as a life insurance policy.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"Gerber Life Insurance vs. The Competition \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Gerber Life Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>J.D. Power*<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>Available Policies<\/strong><\/td><\/tr><tr><td><strong>Gerber<\/strong><\/td><td>N\/A<\/td><td>N\/A<\/td><td>A<\/td><td>Term life insurance<br>Whole life insurance<br>Guaranteed life insurance<br>Accident protection insurance<br>Whole life policies for children<br>Young Adult whole life<\/td><\/tr><tr><td><strong>Globe<\/strong><\/td><td>N\/A<\/td><td>N\/A<\/td><td>A<\/td><td>Term life insurance<br>Whole life insurance<br>Final expense insurance<br>Accidental death insurance<br>Mortgage protection insurance<br>Cancer insurance<br>ICU insurance<br>Hospital insurance<br>Coverage for children<\/td><\/tr><tr><td><strong>Protective Life<\/strong><\/td><td>N\/A<\/td><td>N\/A<\/td><td>A+<\/td><td>Term life insurance<br>Whole life insurance<br>Universal life insurance<br>Retirement policies<\/td><\/tr><tr><td><strong>New York Life<\/strong><\/td><td>N\/A<\/td><td>N\/A<\/td><td>A++<\/td><td>Term life insurance<br>Whole life insurance<br>Universal life insurance<br>Variable universal life insurance<br>Long-term care policies<br>Retirement policies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information reflects the latest available sources cited; verify current details with each insurer.<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s<a rel=\"noreferrer noopener\" href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" target=\"_blank\"> U.S. Individual Life Insurance Study<\/a>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gerber Life Insurance vs. Globe Life Insurance<\/h3>\n\n\n\n<p>Globe Life focuses on direct-to-consumer simplified-issue term and whole life (including child coverage) with quick online or phone enrollment. Globe Life\u2019s core life subsidiaries carry an AM Best rating of A (Excellent) (<a href=\"https:\/\/investors.globelifeinsurance.com\">financial strength<\/a>). While both brands emphasize convenience and modest face amounts, Gerber Life may be a better fit for families prioritizing children\u2019s whole life features (such as automatic coverage increases) and straightforward no-exam options. For current customer satisfaction context, see the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gerber Life Insurance vs. Protective Life Insurance<\/h3>\n\n\n\n<p>Protective Life offers competitively priced, fully underwritten level term (Classic Choice) with broad term-length options and conversion privileges, plus UL\/IUL\/VUL for permanent coverage (<a href=\"https:\/\/www.protective.com\/life-insurance\/term\/classic-choice-term\">Classic Choice Term<\/a>). Protective holds an AM Best rating of A+ (Superior) (<a href=\"https:\/\/www.protective.com\/about\/financial-strength-ratings\">ratings<\/a>). Gerber Life is often a better fit for parents seeking children\u2019s whole life or adults wanting modest, no-exam coverage; Protective suits shoppers seeking higher face amounts and broader policy designs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gerber Life Insurance vs. New York Life Insurance<\/h3>\n\n\n\n<p>New York Life is a mutual insurer known for participating whole life and comprehensive planning through career agents, with top-tier financial strength (AM Best A++ (Superior)) (<a href=\"https:\/\/www.newyorklife.com\">ratings<\/a>). It may be a better option for consumers seeking permanent coverage with potential dividends and agent-led guidance. Gerber Life may be preferable for families focused on accessible, simplified-issue coverage and dedicated children\u2019s policies.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Gerber Life Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Gerber Life Insurance FAQ<\/h2>\n\n\n<div id=\"block_6078fbc291177\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What exactly is the Gerber Grow Up Plan?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The Grow-Up\u00ae Plan is a whole life policy for children that builds cash value, doubles coverage when the child turns 18, and guarantees coverage for life at a locked in premium.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fbcb91178\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you cash in a Gerber life insurance policy?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The Gerber Grow-Up\u00ae Plan builds cash value. When an insured child becomes an adult, they will have the option to continue the policy or cash it in for the cash value.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6078fbd691179\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Gerber Life Insurance legit?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Gerber Life Insurance has been providing life insurance coverage to individuals since 1967 and is a financially secure company with an \u201cA\u201d (Excellent) rating from AM Best.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Gerber Life insurance based on riders, coverage, resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best life insurance reviews. To compare life insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li>Number of Riders: The more riders a life insurance company has, the higher it scores in our Reviews.com methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each life insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: With J.D. Power\u2019s<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> U.S. Individual Life Insurance Study<\/a>, we assign a score to each company based on the latest available results on a 1,000-point scale.<\/li><li>Coverage: Life insurance companies scored higher if customers can convert term to whole and if they offered multiple options under<a href=\"https:\/\/www.reviews.com\/insurance\/life\/types-of-policies-2\/\" class=\"achor-toggles\"> different types of life insurance policies<\/a>.&nbsp;<\/li><li>Resources: Reviews.com compared website functionality for life insurance companies based on ability to receive online<a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\"> quotes<\/a>, submit online claims, and read information on different policies available.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Our latest review highlights Gerber Life\u2019s niche in children\u2019s whole life and simplified-issue coverage; overall value depends on your need for modest face amounts and no-exam underwriting.&nbsp; Gerber Life Insurance offers protection for children, young adults, adults, and seniors with policies including children\u2019s whole life (Grow-Up and Young Adult), adult term and whole [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361242,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1270],"tags":[25609],"post_author":[25701],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - 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