Gerber Life

Gerber Life

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Why Gerber Final Expense?

Whether your clients have existing life insurance coverage or none at all, a Gerber Life Guaranteed Life policy can help fill the gaps in life insurance protection.

Your clients can get up to $25,000 in life insurance coverage at an affordable rate, which can help pay funeral costs, unpaid medical expenses, loan balances, credit card bills, and other outstanding debt. Even if your clients already have life insurance, they may be underinsured. Inflation may have cut its value over the years, so the insurance they bought even a few years ago may not be sufficient for their needs.

A Gerber Life Guaranteed Life policy is a great way to help counter the effects of inflation if your clients have an existing life insurance policy or to put coverage in place where nothing exists today.

  • No health exam
  • No health questions
  • Cash value accumulates

Since 1967, Gerber Life has been providing life insurance to families, helping them achieve financial security and insurance protection. Gerber Life Insurance has an A rating from AM Best.

Gerber Guaranteed Life Insurance Product Information

Unlike term life insurance, your Guaranteed Life Insurance Plan builds cash value that you can borrow against as long as premiums are paid – that's money you can request if and whenever you need it.

  • Can't be turned down
  • Issue ages 50-80
  • $5,000-$25,000 face amount
  • No medical exams of lengthy health questionnaires
  • Beneficiary proceeds are generally not taxable
  • Premiums never increase
  • Graded death benefit for first 2 years

Gerber Life’s guarantee to accept applicants age 50 to 80 is made possible by a two-year Graded Death Benefit limitation. If death occurs within the first two policy years for any reason other than an accident, all premiums shall be paid to the beneficiary, plus an additional 10% of earned premium – the portion of paid premium that has been applied to the policy.

You are fully covered after the initial two-year period. After the two-year Graded Death Benefit period, if the insured dies for any reason, the full face amount of the policy shall be paid to the beneficiary.

Gerber Final Expense Sample Rates

State Availability

The Gerber Final Expense policy is available in all states.

New to Final Expense Sales?

You've come to the right place!

Check out some of the following resources to learn more about how to sell final expense products.

[ARTICLE] Final Expense Insurance: Level, Graded, Modified, and GI (2nd Edition)

Watch a roleplay example of how a Life Insurance Review is done (with a focus on final expense in this example):

[WEBINAR!] How to Sell Final Expense Insurance:

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This product may be available in other states not listed. Please contact us to inquire.