Term Life Insurance
Get the coverage you need at a rate that's right for you
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Term Life Insurance Benefits
Help protect your family with this flexible adult life insurance that can be less expensive than Whole Life insurance.
Flexible coverage
Rates start at $15.42 a month and stay locked for the entire term. You choose a coverage amount that fits your needs and budget, from $100,000 to $300,000. 1
Simple and easy application
Just answer a few questions. Most people will receive a decision on their application in about a minute. And there's no medical exam required in most cases. 2
Tailored to fit your life
The period of coverage, known as a "Term," can be 10, 20 or 30 years. Decide the length of the term so you have coverage when you need it most.
Call 866-503-4480866-503-4480 for more information
Mon-Fri 8am-7pm ET
Financial protection when you need it most
Losing a family member will always be difficult, but life insurance can make things a little easier for the people you leave behind. A term life policy can help your family cover expenses like the mortgage and childcare costs, even if you're gone.
1 Premium based on a $100,000, 20-year Term Life policy for a healthy 18-year-old female paid by automatic monthly deduction from a checking or savings account. Other coverage amounts over $300,000 are available up to $1,000,000. Call one of our friendly representatives for rates, 1-866-503-4480.
2 Medical exam is required for age 51 and over and who apply for more than $100,000 in coverage.
How to Buy Adult Term Life Insurance Coverage
Get a free quote
Just answer 4 simple questions to get a free quote immediately.
Apply online or by phone
Our streamlined application makes it easy. Just answer a few simple questions about yourself. Once submitted, we'll let you know if you're approved, usually within as little as a minute*.
Set up automatic payment
Once you set up EasyPay, you never have to worry about missing payments because they're made directly from your checking or savings account. Plus, you get up to 10% off your premiums.
*Of phone and online applications
Gerber Life Term Life Insurance Reviews
With its flexible options for coverage and premiums tailored to meet your budget, the Gerber Life Term Life Plan makes it easy for you to protect your loved ones. Choose the coverage period (or “term”) that works best for you: 10, 20 or 30 years. Read the reviews below to find out what others had to say about this flexible plan.
Highly Recommended By Customers
Already have a Gerber Life Term Life Insurance Plan? We’d love to hear your feedback!
Gerber Life Term Life Insurance Reviews
With its flexible options for coverage and premiums tailored to meet your budget, the Gerber Life Term Life Plan makes it easy for you to protect your loved ones. Choose the coverage period (or “term”) that works best for you: 10, 20 or 30 years. Read the reviews below to find out what others had to say about this flexible plan.
Highly Recommended By Customers
Gerber Life customers have spoken, and the word is they love it. Our Term Life has a out of overall rating and % of reviewers recommend it. See below for our most recent customer reviews.
Adult Term Life Insurance Questions
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Term life insurance is a type of life insurance that provides coverage for a specific period of time, known as a ”term.” This type of policy is popular because it can cost less than other types of life insurance and lets you choose the coverage period. Gerber Life offers term life policies for 10-, 20- and 30-year terms. Choose the term that works best for you and your family.
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If you outlive your term life policy, at the end of the term, you have two options: let the policy end or renew it. A policy can be renewed annually at the premium rate for your age at the time of renewal, without a physical exam.
If you don’t think you need life insurance coverage, i.e. you’ve paid off your home mortgage or you’re no longer responsible for dependents – you can let the policy end. Or if you still need life insurance coverage, you can apply for a new policy and get the coverage amount that’s right for your current needs.
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With the Gerber Life Term Life Plan, your premiums will never increase. The amount you agree to pay when coverage begins is the same amount you'll pay throughout the duration of your policy as long as premiums are paid.
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Term life insurance typically provides more financial coverage at a lower cost than whole life insurance policies. However, coverage ends at the end of the term (terms are 10, 20 or 30 years) and Term policies do not build cash value. If you have young children and are looking for the most coverage until your children are grown, Term Life may be a good choice.
Whole Life insurance, on the other hand, provides lifelong coverage, the policy never expires (as long as premiums are paid), but as a result, the cost is higher so you may not be able to afford as much coverage as you would with Term insurance. Whole Life builds cash value that you can borrow against* or collect if you terminate the policy (you will not be able to borrow against a term life policy and your family will not receive any benefits if you live past the coverage term). So your choice depends on your needs.
*Policy loan interest rate is 8%. Loans may impact cash value and death benefit.
Learn More About Term Life Insurance
If you still have questions about adult life insurance, visit our Life Insurance 101 to learn more about:
Continuing the long Gerber Life tradition of protecting families since 1967.
Term Life is available to adults ages 18-70.
Benefit amounts are subject to Gerber Life overinsurance 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.
Policy Form ICC19-GLTL
Policy Form Series GLTL-19
Product currently not available in Delaware, District of Columbia, New York, or North Dakota
