
So, what is term life insurance?

Why choose term life insurance?
Gerber Life Term Life Insurance has many benefits. It’s a good choice for seniors who want:
- To be able to choose from flexible options of coverage amounts and length of the policy
- To give your family financial protection and peace of mind
Benefits of Term Life Insurance for Seniors

Coverage that’s budget-friendly
- Coverage from $100,000 to $500,000 for age 56+.
- The premium rate is locked in for the policy’s duration – guaranteed.

Flexible coverage period
- The period of coverage, known as a “Term,” can be 10, 20 or 30 years.1
- You decide the length of the term so you have coverage for as long as you need it.

Protect your most valuable asset: your family
- Help safeguard your loved ones from the burden of your final expenses.
- Lessen the impact of lost income on your spouse.
1 10-year policy available to those up to age 70; 20-year policy available to those up to age 60, 30-year policy available to those up to age 50.
Call 866-503-4480866-503-4480 for more information
Mon-Fri 8am-7pm ET
Want more information on our Family Plan Term Life plan?
Accident Protection Insurance may be a better fit
How to Buy Term Life Insurance

Get a free quote
Answer a few questions, choose your coverage and get a tailored quote, just for you.
Get coverage and peace of mind today
You can choose from $100,000 to $500,000 in Term Life coverage for age 56+.
Choose Your Coverage Period
Gerber Life offers life insurance for 10, 20 and 30 year terms. 10-year policy available to those up to age 70; 20-year policy available to those up to age 60, 30-year policy available to those up to age 50.
Adult Term Life Insurance Questions
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Term life insurance is popular because it’s one of the most affordable ways to help protect your family financially after the loss of a parent or family provider. Term provides coverage for just the number of years you select, so it costs less than other types of life insurance, like Whole Life. Many parents choose Term insurance because they want the most amount of coverage for the lowest cost.
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The amount of coverage a senior needs depends on several factors, for example: the amount of debt you may be leaving behind to loved ones, or if you want to leave behind an inheritance or just cover final expenses. Our Term coverage starts at $100,000, with a maximum of $500,000 available to those 56+.
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Absolutely not. With our Family Plan Term Life policy, the amount you agree to pay when your coverage starts stays the same throughout your policy’s term.
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At the end of the term, your policy coverage ends. If you decide your family is still in need of coverage, you can renew your policy at the premium rate for your age at that time — with no physical exam, depending on your age and coverage amount. This represents a significant advantage for individuals whose health status may have changed during the policy term. Coverage can continue until age 95 with premiums increasing annually. Also, you can choose to convert your term life policy into a whole life policy within a certain time frame.
Family Plan Term Life policies are available to adults ages 18–70.
Policy Form ICC19- GLTL
Policy Form Series GLTL-19
Product not available in NY, CA, FL, SC, SD.
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.
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.