Gerber Life Insurance Review
Gerber life insurance policies are some of the best on the market. This well-known provider offers both flexible policy options and competitive rates.
Gerber has provided quality insurance products and services for over 50 years. As a result, they’ve become a leader in adolescent and senior life insurance products.
We highly suggest exploring what Gerber has to offer before making a policy purchase.
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Gerber Life Insurance Overview
- Policies available: Term, Whole Life, Universal Life
- Guaranteed Acceptance options for those in poor health
- Competitive Rates
- Highly rated by rating institutions & current policyholders
- Known for speedy payouts on insurance claims
- Easy, hassle-free applications
About Gerber Life Insurance Company
Gerber life insurance company is a financially separate affiliate of Gerber product company. However, since 1967 Gerber’s name has been synonymous with life insurance products. Today, many people know Gerber as the “baby food company.” The two companies share the same goal: to help parents raise happy and healthy children.
Gerber Has Millions of Active Policy Holders.
Currently, Gerber has over three million active policyholders. The majority of which come from the adolescent and senior life insurance policies.
Gerber’s Permanent Life Insurance Products
Gerber offers two whole life insurance options. One that requires a medical questionnaire (whole life), and one that does not (Guaranteed acceptance whole life).
Gerber Traditional Whole Life Insurance – provides permanent protection that lasts as long as you live. There are no medical exams. However, there is a health questionnaire, and not everyone will qualify. Gerber’s whole life insurance policy is available for individuals ages 18 to 70.
Individuals who qualify will have access to the following benefits:
- Day 1 coverage -no waiting period
- Higher coverage limits. Up to 100K without a medical exam
- Low premium rate
Anyone who fails to qualify can still get a life insurance policy from Gerber through their guaranteed acceptance life insurance option.
Gerber Guaranteed Acceptance Life Insurance – provides permanent whole life coverage for individuals age 50 to 80. There are no medical exams or any health questions. Policies provide up to $25,000 in coverage to help pay for end-of-life costs. These policies also grow cash value that you can access over time.
All individuals that enroll will enjoy the following benefits:
- Super simple applications
- Up to $25,000 in coverage
- Builds cash value
- Living benefits
Guaranteed acceptance life insurance is the last resort option for all individuals who fail to qualify for other types of coverage. These policies are ideal for those seeking life insurance with pre-existing medical conditions.
How Competitive Are The Rates?
Gerber is fiercely competitive on rates. Particularly on their guaranteed acceptance product. Whenever we pull quotes for our clients, Geber is always among the lowest-cost options.
Your unique circumstances determine your premium rates. Your age, health, state of residence, zip code, gender, and the size of policy you’re seeking all affect your monthly premium.
Our independent agents are here to help you shop and compare life insurance companies side by side to find your best premium rate.
Gerber Life Insurance Reviews, Ratings, & Complaints
Two types of reviews are important to look at before making a policy purchase. Financial ratings. And Consumer reviews.
Financial Ratings: Financial ratings reflect the insurance carrier’s ability to payout policy claims. High ratings show the strength and stability of the insurance provider and can bring added peace of mind about the security of your investment. Gerber enjoys high ratings from all the major rating institutions. Their AM Best rating (A) Excellent puts them in the top tier of insurance carriers.
Keep in mind that any company with millions of customers will have some people with poor experiences. And unfortunately, those customers are the ones with a motive to share those poor experiences.
We post these links so you can read the reviews yourself and form your own judgments.
We Trust Gerber
In our opinion, Gerber is one of the best insurance companies to do business with. They offer low rates, simple applications, and guaranteed acceptance. Our agents have been working with Gerber Life for many years. And we’ve had nothing but positive experiences.
We proudly represent Gerber as one of our trusted carriers and strongly suggest exploring what they have to offer before moving forward with a policy purchase.
Don’t Shop For Life Insurance Alone
Although we have nothing but positive things to say about Gerber life insurance company, that doesn’t mean you should blindly purchase a policy. Insurance carriers cater to different subgroups of the population. Therefore, the only way to find your best policy is to shop all the top providers before you buy.
Our independent agency is here to help you do just that. We’ll help you shop and compare all the top carriers with a single quote.
Our independent agents work for YOU, not the insurance companies. You’ll get an advocate who looks out for your best interest. As a result, you save both time and money on your life insurance coverage.
Our services are free. And there’s no obligation when speaking with an agent.
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