Whole Life Insurance

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** Currently not available in New York

Whole Life Benefits

Lifelong insurance protection

Lock in affordable premium rates.
Your policy cannot be cancelled, as long as premiums are paid.
No medical exam is necessary in most cases.¹ Coverage is dependent on answers to health questions.
Adults age 18 to 70 can apply.

Customize your policy

$50,000 to $300,000 of whole life insurance protection.
Choose the coverage amount that fits your needs and your budget.

Builds cash value over time

Gerber Life sets aside a small part of each premium payment toward the life insurance policy’s cash value.
The longer you own the policy, the more cash value it builds.
If needed, you could borrow² against the available cash value to help cover unexpected expenses, or view it a small “nest egg” for the future.

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¹A medical exam is required for age 51 and over and who apply for more than $100,000 in coverage. Coverage is dependent on answers to health questions. When you apply, you will need to answer several questions about your health, and your medical history may be taken into consideration.

²Policy loan interest rate is 8%.

Learn More About Whole Life

Types of Life Insurance

All life insurance policies are not created equal. Understand how the different types of life insurance work.

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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.

Learn More

View All Adult Life Insurance Resources

Whole Life FAQs

What is a whole life insurance policy?

It’s permanent life insurance. A whole life insurance policy provides coverage for your entire life as long as you pay your monthly premium – compared to term life insurance, which protects you for only a specified period of time. Whole life insurance policies build cash value over time; term life insurance policies do not build cash value.

Why do people choose whole life insurance?

One of the key benefits of whole life insurance is having life insurance coverage for your lifetime. You can lock in an affordable premium rate that will never increase for as long as you own the policy, making your payments predictable and easier to plan your budget. Whole life insurance builds cash value over time, providing an extra financial safety net for the unexpected.

What is 'life insurance policy's cash value'?

Each time that you pay your premium, Gerber Life sets aside a small amount, which builds up over time as the life insurance policy’s cash value.

The longer you hold the policy, the more cash value the policy builds. If a need arises, and as long as premiums are paid, you could borrow against the available cash value* to help cover lost income, rent or mortgage payments, education costs, or other expenses. Or, you could simply leave it as it as a little “nest egg” for your children or grandchildren.

*policy loan interest rate is 8%.

View All Whole Life Insurance Questions

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