Whole Life Insurance

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Whole Life Benefits

Coverage that can last a lifetime

Lock in affordable rates.
Your rate will never increase over your lifetime as long as premiums are paid.
No medical exam necessary in most cases for adults up to age 50 and coverage up to $100,000.
Adults age 18 to 70 can apply.

Customize your policy

Get $25,000 to $150,000 of whole life insurance protection for your family.
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 policy’s cash value.
The longer you own the policy, the more cash value it builds.
Borrow against the available cash value¹ to help cover unexpected expenses, or view it a small “nest egg” for the future.

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¹Policy 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 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

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 policies build cash value; term life policies do not.

Why do people choose whole life insurance?

One of the key benefits of whole life insurance is the ability to secure 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 fit into your budget. Whole life insurance builds cash value, providing an extra financial safety net for the unexpected.

What is “cash value?”

Each time that you pay your premium, Gerber Life sets aside a small amount, which builds up over time as the policy’s cash value. The longer you hold the policy, the more cash value the policy builds. If a need arises, 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.

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* policy loan interest rate is 8%.