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Why do I need life insurance?

It’s simple: You need life insurance because it helps keep your family or loved ones financially secure if something unexpected happens to you. The payout from a policy can help them cover life’s costs, from daily living expenses and debts to mortgage payments and college tuition.

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What’s the Gerber Life Insurance Family Plan?

Glad you asked! The Family Plan is a policy that makes it easier and more convenient for you to get life insurance protection for you and your family. You can choose either term or whole life coverage for yourself, and you can add optional coverage for your spouse and kids too, all under a single policy. (That’s the convenient part.)

Call 855-525-9140 for more information

Mon-Fri 8am-7pm ET

Wait, what’s the difference between term and whole life?

Family Plan Term Life Family Plan Whole Life
Why should I
consider?		 If you want the most coverage
with a lower premium		 If you want lifelong coverage that builds cash value1
How long can
coverage last?		 10, 20 or 30 years2 For your lifetime
(as long as premiums are paid)
Who can purchase? Ages 18 - 70 Ages 18 - 70
How much can I get? $100,000 to $2,000,0003 $50,000 to $1,000,0003
Learn More Learn More
Term Life Whole Life
Why should I consider?
If you want the most coverage
with a lower premium		 If you want lifelong coverage1
builds cash value*
How long can coverage last?
10, 20 or 30 years2 For your lifetime
(as long as premiums are paid)
Who can purchase?
Ages 18 - 70 Ages 18 - 70
How much can I get?
$100,000 to $2,000,0003 $50,000 to $1,000,0003
Learn More Learn More

1 As long as premiums are paid.

2 Coverage can continue past the initial policy term until age 95 with premium increasing annually, with the option to convert to a whole life policy.

3 For applicants age 56 or older, maximum coverage amount is $500,000.

Whether you go with a term life policy or a whole life policy, your Family Plan includes:

  • A locked-in rate that will never increase
  • The option to add $50,000 of coverage for your spouse for 10 years4
  • The option to add $10,000 of coverage for each of your kids that lasts until they are 21 or the policy ends5
  • Option to receive a portion of your life insurance benefit early if you are diagnosed with a terminal illness.
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4 Spouses are eligible for coverage up to age 50. Additional premium applies.

5 Children are eligible up to age 18. Duration of coverage is until age 21 or the policy ends. Additional premium applies — one rate covers all children, not charged per child.

Want more information on our Family Plan?

Send us your name and email, and we'll keep you updated on the latest from Gerber Life.
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Sounds good, right? Your Family Plan policy is just three steps away:

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1

Answer a few questions and we'll prepare a free quote for you.

2

Apply online or by phone after you've reviewed your quote - you could be covered in minutes!

3

Set up an automatic payment from your bank account to get up to 17% off your premium rate and never worry about missing payments.

You can depend on Gerber Life

Family Plan Benefit Icon

50+ Years

Providing life insurance

Family Plan Benefit Icon 2

3.8 Million

Policies in force

Family Plan Benefit Icon 3

$63 Billion

Of life insurance in force

Family Plan Benefit Icon 4

A+

Rating from A.M. Best*

*A.M. Best, the impartial reporting firm that rates insurance companies on financial stability and ability to meet financial obligations, has awarded Gerber Life an “A+” (Superior) rating, most recently in January 2024. It refers only to the overall financial status of the company and is not a recommendation of specific policy provisions, rates or practices of the company. This rating is the second highest awarded out of thirteen possible categories. For 22 consecutive years, Gerber Life has maintained a rating of A (Excellent) or better.

Adult Family Life Insurance Questions

  • Our Family Plan gives you flexibility - you can cover just yourself or include your spouse and/or kids too, all on one policy. You can get up to $2,000,000 in Term life coverage on yourself (or up to $1,000,000 of Whole life if you prefer).* Our Family Plan gives you (and your family) the financial support needed should the worst happen.

    * For applicants age 56 or older, maximum coverage amount is $500,000.

  • Term life insurance provides life insurance coverage for a specific period of time, typically 10, 20 or 30 years. It’s generally less expensive than other types of life insurance so you can get more coverage for less cost.

    Whole life insurance provides permanent coverage for your entire life (as long as premiums are paid) and builds cash value over time. As a result, whole life insurance generally costs more than Term.

  • Depending upon your situation, it may not be. Employer life insurance typically offers 1-2X your salary. While that may seem like a lot, if you have kids that would need to be supported until they are adults, or if you have a mortgage that your spouse will have to pay, it’s likely not enough. A good rule of thumb is to have 5-10x your salary in life insurance coverage. Many folks own a separate policy to cover the gap from what their employer provides to what they really need.

  • Your spouse can be covered on the policy with a $50,000, 10-year level term policy; and/or you can include your children with $10,000 in coverage for each child (coverage for children goes to age 21 or for the duration of the primary policy if ends prior to child reaching 21.)

  • You’ll need to include your spouse or child when you apply. However, if you have a child now and include the child rider and then have additional children later, your policy will cover your future children. Just let us know and they will be added to your policy.

  • Our policy includes an Accelerated Death Benefit. If you’re diagnosed with a terminal illness, you can receive up to 50% of your death benefit as a lump sum. This money can be used for treatment or care to make your final days more comfortable.

View All Gerber Life Insurance Family Plan Questions

Learn More About Gerber Life Insurance Family Plan

Family Plan Term Life policies are available to adults 18-70.

Family Plan Whole Life policies are available to adults 18-80.

Policy Form ICC19- GLTL
Policy Form Series GLTL-19
Policy Form ICC19-GLWL
Policy Form Series GLWL-19

Product not available in NY, CA, FL, SC, SD.

Benefit amounts are subject to Gerber Life over insurance limits. A Buyer's Guide to Life Insurance and a Policy Summary are sent with all policies. You can get them without applying for insurance by writing to us.

Applicant must be a citizen or perma­nent legal resident of the United States residing in the U.S. Gerber Life Insur­ance will not issue insurance for any proposed insured when a Power of Attor­ney or Guardianship exists on the pro­posed insured, except legal guardians of children.

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The Grow-Up® Plan

We understand you want to give your child every advantage. The Grow-Up® Plan is a simple, budget-minded way to start for children ages 14 days to 14 years. For as little as $1 a week, you can give your child a lifetime of life insurance protection with plans starting at $5,000. Your decision today will help your child be better equipped for adult responsibilities tomorrow.

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