Term Life Insurance

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** Currently not available in New York

Term Life Benefits

Coverage that’s budget-friendly and affordable

Coverage from $100,000 to $300,000, starting at $15.42¹ a month.
The premium rate is locked in for the policy’s duration – guaranteed.

Simple and easy application process

We make it simple to apply for the life insurance protection you need.
No medical exam required in most cases.²
Many will have a decision on their application in minutes.

Flexible coverage period

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

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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. Ask us for other coverage amounts and premium rates.

²Medical exam is required for age 51 and over and who apply for more than $100,000 in coverage.

Learn More About Term Life

What Kind of Policy Do I Need?

It’s important to understand the difference between Whole Life and Term Life insurance when planning for your family's future. Each type brings something different to the table.

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How Much Life Insurance Do I Need?

This article can help you decide how much life insurance your family needs.

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Why Do I Need Life Insurance?

There are many reasons why having some kind of family life insurance coverage is a good idea. We provide the details so that you can make the decision.

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View All Adult Life Insurance Resources

Term Life Insurance FAQs

What is term life insurance?

It's a life insurance policy that provides protection for a specific period of time, known as a “term.” Gerber Life offers Term Life policies for 10-, 20- and 30-year terms.

What happens at the end of the term?

At the end of the term, you have two options: let the policy end or renew your policy. A policy can be renewed annually at the premium rate for your age at the time of renewal, without a physical exam.

Will my premiums increase each year?

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.

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