Gerber Life

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Products & Plans

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Simplified Senior Life Insurance and Whole Life Insurance

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Grow-Up®Plan - Face Amount up tp $24,999
  • Grow-Up®Plan - Face Amount $25,000 +
  • Single Advanced Premium Payment” Grow-Up®Plan- Face Amount up to $24,999
  • Single Advanced Premium Payment” Grow-Up®Plan - Face Amount $25,000 +
  • Guaranteed Life Insurance
  • Gerber Life Insurance College Plan - Pay to Maturity 10-15 Years
  • Gerber Life Insurance College Plan - Pay to Maturity 16-20 Years

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Accident Protection - Face Amount $250,000 +
  • Accident Protection - Face Amount up to $249,999

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
  • Accident Protection - Face Amount $250,000 +
  • Accident Protection - Face Amount up to $249,999

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Term Life - 10 Year
  • Term Life - 20 Year
  • Term Life - 30 Year

About

Gerber Life Insurance Company is a well-recognized provider of life insurance products, particularly known for its emphasis on family protection and financial security. As a subsidiary of the Gerber Products Company, famous for its baby food products, Gerber Life has leveraged its brand reputation to offer products designed primarily for children and families.

Gerber Life was founded in 1967 in the United States, initially focusing on life insurance policies that cater to families. The company quickly gained traction in the market due to its strong brand identity and innovative products. Gerber Life was created to fulfill the growing need for accessible life insurance, particularly among young families looking to secure their financial futures.

Over the years, Gerber Life has expanded its product offerings to include final expense insurance and whole life insurance. The company has consistently focused on creating affordable and accessible coverage options for policyholders, particularly in underserved markets.


Gerber Life primarily specializes in two key areas:

- Final Expense Insurance: Gerber Life offers policies designed to cover end-of-life expenses, such as funeral costs and other related expenses. This product is aimed at providing peace of mind for families by ensuring that financial burdens are minimized during difficult times.

- Whole Life Insurance: The company provides whole life insurance policies that offer lifelong coverage with guaranteed cash value accumulation. These policies are particularly attractive to families seeking long-term financial protection and savings opportunities.

By focusing on these segments, Gerber Life addresses critical needs for families and individuals looking to secure their financial well-being in the face of life's uncertainties.

Gerber Life is a financially stable organization, backed by a strong parent company. The company has received favorable ratings from various independent rating agencies, reflecting its ability to meet policyholder obligations. The financial strength of Gerber Life is supported by a diversified investment portfolio and a commitment to prudent risk management practices.

As of recent financial reports, Gerber Life has demonstrated steady growth in premium revenue and policyholders. Its focus on affordability and accessibility has contributed to a loyal customer base and sustained market presence.

A notable milestone in Gerber Life's history was the introduction of the Gerber Life Grow-Up Plan, a whole life insurance product designed specifically for children. Launched in the 1980s, this innovative policy allows parents to purchase coverage for their children at a young age, with premiums that remain level throughout their lives. This product has become a cornerstone of Gerber Life’s offerings and has helped establish the company as a leader in children's life insurance.

Gerber Life's strong association with the Gerber brand: The company effectively utilizes its reputation for quality and reliability in the baby food industry to reinforce trust and credibility in the insurance market. This connection has allowed Gerber Life to penetrate the family-oriented market effectively, resonating with parents seeking reliable life insurance solutions.

Pros:
- Strong Brand Identity: Gerber Life’s connection to the well-known Gerber brand enhances consumer trust and recognition.

- Focused Product Offerings: Specializing in final expense and whole life insurance allows Gerber Life to tailor its products to meet the specific needs of families.

- Accessibility: The company is committed to providing affordable insurance solutions, making it easier for families to obtain necessary coverage.

Cons:
- Limited Product Range: While Gerber Life excels in its niche, the lack of a broader array of insurance products may limit its appeal to customers seeking comprehensive insurance solutions.

- Market Competition: The life insurance market is highly competitive, with numerous players offering similar products, which can affect pricing and market share.

- Perceived as a Children's Insurer: The focus on children's insurance may lead some consumers to overlook Gerber Life for their adult insurance needs, impacting overall brand perception.

Gerber Life Insurance Company has established itself as a reputable provider of life insurance, particularly in the final expense and whole life segments. With a strong brand legacy and a focus on affordability, Gerber Life continues to meet the needs of families seeking financial security and peace of mind. Despite challenges related to competition and product diversification, the company's commitment to its core mission positions it for ongoing success in the insurance industry.

News About Gerber Life

Changes to Commission Override State Requirements Coming Soo

Starting October 1, 2026, Gerber Life Insurance Company will require any upline that has Agents selling Gerber Life Insurance products in an override state to be licensed AND appointed in that state in order to receive override commissions. 

Current override states include:

California, Florida, Georgia, Kentucky, Montana, New Mexico, New York, North Carolina, South Dakota, Pennsylvania, Texas, Virginia, West Virginia, Wisconsin

If you are already licensed in these states, there is no action required at this time. Gerber Life is in the process of getting all uplines with a license in any of these states appointed.  

Carrier Operations Aug 12, 2026

Maintenance Impacting Gerber Life Systems Scheduled for June 13 and 14

The Gerber Life Agent Portal and self-service phone lines will be intermittently unavailable this weekend - June 13 and 14.  

During this time, various databases that support the Agent Portal and our self-service phone system may be unavailable resulting in intermittent or full outages until the maintenance is complete.

If you have any questions, simply reply to this email or contact our Gerber Life Sales Team at gerberlifeagencysales@gerberlife.com.

Carrier Operations Jun 12, 2026
Find Your Application Status
Did you know that pending application status can be viewed on the Agent Portal?

Select My Customers > My Case Statuses to open the Case Status search function.

Once in My Case Statuses, the bottom box will detail active applications with their status code in the third column labeled Status Details. A guide to the codes for this column is linked under the box.
 
Carrier Operations Jun 04, 2026
Whether you are a new or an experienced agent with Gerber Life, our Agent Portal is designed to help you manage cases, access commissions, download documents, create quotes, and submit applications.

As a reminder - Agent Portal passwords expire every 90 days.  You can reset this password by using the Forgot Your Password? link on the Agent Portal login screen.
Carrier Operations Apr 08, 2026

Changes to Pre-Appointment States

Effective immediately, the states requiring pre-appointment have changed - reducing from 6 states requiring pre-appointment to only 2 states.

  • New Just In Time States - Alabama, Louisiana, Texas, Washington
  • Pre-Appointment States - Montana, Pennsylvania

A reminder that pre-appointment means that an agent must be appointed with Gerber Life prior to soliciting and selling our products.

Just in Time appointments mean that you will be appointed in the state of solicitation at the time an application is submitted to Gerber Life for that state.

If you have any questions, simply reply to this email or contact our Gerber Life Sales Team at gerberlifeagencysales@gerberlife.com.
Carrier Operations Aug 12, 2025