Guaranteed Life Insurance Plan

If you're between
the ages of 50 and
80, acceptance is

If you're between
the ages of 50 and
80, acceptance is

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Guaranteed Life Insurance Benefits

Give your loved ones a little extra help during a difficult time. Choose from
$5,000 to $25,0002 of coverage.

Helps to cover final expenses

Gerber Life Guaranteed Life Insurance provides valuable whole life insurance protection to help cover final expenses, such as medical bills, burial costs and unpaid debt. It helps protect your family from the financial burden of your final expenses.

Your acceptance is guaranteed

If you’re between 50 and 80 years old, your life insurance acceptance is guaranteed with this policy, regardless of your health history.1 There are no medical exams to complete or lengthy health questionnaires to fill out.

Your policy builds cash value

As a whole life insurance policy, a portion of each premium you pay is set aside as the cash value of your policy.  Cash value builds over time and can be borrowed from if needed.* The longer you own the policy, the more cash value your policy accumulates. 

Call  for more information

M-Th 8am-9pm, Fri 8am-7pm, Sat 9am-5pm ET

* Policy loan interest rate is 8%

How to Apply for Gerber Life Guaranteed Life Insurance


Get your free quote

Answer 4 easy questions to get your free quote immediately. 


Apply online or by phone

Complete a few more simple questions about yourself and then choose your coverage amount – between $5,000 and $25,0002 – and apply.


Make your first payment

Pay today using your checking/savings account or credit/debit card. You can save up to 8% on your monthly premiums by signing up for Easy Pay to have your payments automatically deducted from your checking or savings account each month. As soon as your application is approved and the first payment is successfully made, your coverage will begin.

Guaranteed Life Insurance Reviews

    Guaranteed Life Insurance Frequently Asked Questions

    • Guaranteed Life Insurance from Gerber Life is a whole life insurance policy for adults between 50 and 80 years old that does not require a medical exam or ask health questions – your acceptance is guaranteed.1 Plus our Guaranteed Life Insurance builds cash value that you can borrow from if you ever need help with unexpected expenses.*  Or if you decide to cancel your policy for any reason, you would receive the available cash value. By comparison, term life insurance policies don’t build cash value. 

      *Policy loan interest rate is 8%.
    • Guaranteed acceptance insurance is life insurance that does not require a medical exam or health questions in order to be approved for coverage. Those who may not qualify for other types of life insurance due to a health concern could still get life insurance protection with a guaranteed acceptance policy. It’s a smart option for those wanting to stay one step ahead of costly final expenses. It gives your family one less thing to worry about during an especially trying time — when financial challenges should be the last thing on their minds. You can secure a small amount of coverage to cover the basics, or a larger amount to take care of greater expenses your family may face down the road.

    • Gerber Life Guaranteed Life Insurance offers coverage amounts ranging from $5,000 to $25,000.

    • No, with Gerber Life’s Guaranteed Life Insurance, the amount you pay when coverage begins is the same amount you’ll pay throughout the duration of your policy. The only time your premiums may change is if you decide to increase coverage or the frequency of your payments.

    • When you buy a Guaranteed Life Insurance policy, you’re helping to protect your loved ones from the burden of costly final expenses. It’s a financial safety net that you’ll always have, as long as premiums are paid. And since your premiums will never go up, your payments will always be stable. That predictability can have great value as you budget for the years ahead. Remember that you can also borrow from the cash value of your policy (policy loan interest rate is 8%), giving you an extra financial tool for unplanned expenses. 

      When it comes to choosing life insurance to help cover final expenses, it’s important to look at the company behind the policy to make sure it’s going to stand by it. Gerber Life Insurance has been protecting families like yours since 1967. We have an “A” (excellent) rating from the highly regarded independent reporting firm, A.M. Best. 

    • The Graded Death Benefit of a policy is a period of time when the death benefit paid is restricted If death occurs from natural causes (not accidental) during your policy’s first two years.

      With the Gerber Life’s Guaranteed Life policy, if death occurs in the first two years your beneficiary will receive all premiums paid plus 10%.  After the two year period ends, the full benefit amount of your policy is paid.

    • You may be shopping for yourself or perhaps you’re helping a loved one explore life insurance options. Credit card debt, medical bills and funeral costs can be very costly. In fact, the average cost of a funeral alone can run as high as $10,0003. Guaranteed Life Insurance from Gerber Life can be a smart choice to help your family cover the cost of your final expenses. Gerber Life’s Guaranteed Life Insurance policy is designed to be easy to understand, and easy to buy. You can apply online (or by phone) in minutes for a lifetime of coverage — and your acceptance is guaranteed. Your family shouldn’t have to take on the burden of credit card debt, medical bills or funeral costs. That’s why Gerber Life is here to give you greater peace of mind about your family’s future. 

    • You may be familiar with life insurance policies that don’t require a medical exam, and that’s exactly how the Gerber Life Guaranteed Life Insurance policy works. The only condition for becoming a policy owner is that you are between 50 and 80 years old. Your acceptance is guaranteed regardless of your heath. Our application is easy and can be completed entirely online for your convenience. And if you have any questions along the way, our dedicated customer service representatives are happy to help. 866-503-4481

    How can I work final expense life insurance into my financial plan?

    We understand you’re juggling plenty of financial responsibilities as you plan for the future. Get a free quote today to see how a policy can fit into your budget. Your final expenses are important to consider while you think about your plans for the future. By getting a free, instant quote now, you can get an idea of how much your monthly premium will be for life. Your premiums will never increase, so you can budget for what’s ahead with that in mind. You can even set up automatic payments once you have your policy to keep things simple.

    Learn more about Guaranteed Life Insurance

    1 To be eligible for coverage you must be a U.S. citizen residing in the US or permanent legal resident.  Total limit of all combined Gerber Life Guaranteed Life policies is $25,000.  Gerber Life Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children.
    2 South Dakota residents, maximum coverage of $15,000
    3 NFDA 2015 General Price List Survey. National Funeral Directors Association