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Gerber Life Insurance Reviews 2020

Gerber Life has affordable no exam life insurance, but only offers coverage up to $300,000.
Pro Bullet Term
Pro Bullet Whole life
Pro Bullet Final expense
Pro Bullet Guaranteed issue
Licensed Life Insurance Agent/Marketing Manager
Published on March 20, 2020

Update: In the wake of the COVID-19 pandemic, Gerber is one of several insurance companies that is directly addressing customers’ questions about the virus and/or providing specialized service options to ensure the safety of customers and agents alike. For up-to-date information, visit their website.

You may be familiar with Gerber life insurance as they are one of the few companies specializing in life insurance for children. However, you may be surprised to learn that Gerber also offers life insurance for adults. 

Gerber is a financially stable company offering a small menu of term and whole life insurance options. If that's what you're looking for, this insurer could be a solid choice for you.

Who might choose Gerber life insurance?

  • Older adults: Some policies are available only to people age 50–80.
  • People looking for low coverage amounts: Gerber's death benefits max out at $300K.
  • Final expense seekers: Gerber's guaranteed issue policies make a solid choice for end-of-life expenses.

Gerber life insurance policies for adults

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Table created for illustration purposes only. Information available at Data effective 12/3/19.

Gerber term life insurance

Gerber offers 10-, 20-, or 30-year term policies to meet your needs. Term life insurance is one of the most common types of life insurance, and Gerber offers coverage ranges from $100K to $300K.1 These amounts could help cover any debts you've accrued (such as a mortgage), but if you are looking for a larger amount to supplement your income, consider a company on our list of best insurance companies instead.

Gerber offers the ability to quickly apply online for its adult term life insurance policy and, in most cases, a medical exam isn't required. On the flip side, Gerber requires an exam if you are 51 or older and are looking to get more than $100K in coverage.2

Gerber whole life insurance

Gerber's whole life policy can provide up to $300K in protection with the added benefit of building cash value in the policy. The longer you own the policy, the more your cash value builds. You have the ability to borrow against the available cash value, if needed—or you may be able to use those funds to pay your policy's premium.  As a note: The current interest rate on borrowing from the cash value is 8%. Consult a licensed life insurance agent to determine the best option for you. 3

Similarly to Gerber's term life insurance, Gerber's whole life insurance policy does not require a medical exam in all cases, but coverage is dependent on answers to health questions. Also, those who are 51 years of age and older applying for more than $100K in coverage are required to take a medical exam along with answer the health questions.4 In some cases, Gerber may also require your medical history.

Gerber guaranteed issue life insurance

Gerber offers guaranteed issue whole life policies for lower coverage amounts of $5K-$25K. These policies are commonly used to cover final expenses.

Gerber guaranteed issue whole life policies are available only to those 50 to 80 years old, making these policies a form of senior life insurance. But its main advantage is that the policy doesn't require a medical exam or health questionnaire—it's guaranteed. You may also easily apply for this type of policy online. And it accumulates cash value similar to the whole life policy.5

How much does Gerber life insurance for adults cost?

While Gerber may not have the cheapest rates in town, they still offer affordably-priced policies that may not require a medical exam or a health questionnaire.

20-year term life insurance for healthy 30 year old

Sample quotes based on and are for illustration purposes only. Actual quotes may vary. Rates are based on discount given by Gerber for paying via automatic monthly payments. Data effective 12/3/2019.

20-year term life insurance for a healthy 50 year old

Sample quotes based on and are for illustration purposes only. Actual quotes may vary. Rates are based on discount given by Gerber for paying via automatic monthly payments. Data effective 12/3/2019.

Is Gerber Life financially stable?

When trusting a life insurance company to pay your beneficiaries a decade or more into the future, it's important to gauge it financial stability to ensure it will be around that long. To do that, we looked at Gerber's financial ratings.

Gerber Life financial ratings

Table created using information available at,,, and Data effective 12/3/2019.

Each agency places Gerber in its second-highest rating category. That means Gerber will likely still be going strong when it's time for your beneficiaries to collect on your benefits.

Why you should consider Gerber

Pro HeadingPros
  • Pro BulletNo exam options
  • Pro BulletOnline applications available
Con Heading Cons
  • Con BulletLimited coverage amounts
  • Con BulletLimited term lengths

No medical exam options

If you're 50 to 80 years old and looking for no medical exams and no health questionnaires, then Gerber could be the right choice for you. Since Gerber's guaranteed issue policy has a lower coverage amount, it's very handy for taking care of any final expenses.

If you are younger and in good health, you may be able to get up to $300K in coverage with no medical exam. However, you may have to complete a health questionnaire or provide your medical history.

Online quotes and applications

Gerber allows you to apply online for term life insurance or guaranteed issue life insurance. If you are looking to avoid talking to an agent and would prefer to apply online, then Gerber could be right up your alley. However, if you are looking for a traditional whole life policy, you may need to speak directly with an agent.

You can also get a quote quickly and easily online so you can get an idea of what your premiums would be for each policy. Gerber also does a great job of giving you some basic information about each of their policy types right on their website.

Bottom line: Gerber is a solid choice for no exam life insurance

Gerber is a solid choice for low-to-medium coverage no medical exam life insurance.

It may be that Gerber is the best company for you. However, it is important to know all of your options, this is where speaking with a licensed life insurance agent can be beneficial. They can find the right policy for your individual situation.

Or, compare quotes from multiple insurers in minutes with us.

Need help understanding more about life insurance? Check out these other pages: 


1. Gerber Life Insurance, "Gerber Term Life Insurance"
2. Gerber Life Insurance, "Gerber Term Life Insurance"
3. Gerber Life Insurance, "Gerber Whole Life Insurance"
4. Gerber Life Insurance, "Gerber Whole Life Insurance"
5. Gerber Life Insurance, "Gerber Guaranteed Life Insurance"

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past seven years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.