The Gerber Life Parenting Blog

Applying for Your Child’s Life Insurance Plan

January 14, 2014

Dad Applying for Baby Life InsuranceHow to apply for the Gerber Life Grow-Up® Plan in three easy steps.

The Gerber Life Grow-Up® Plan1 is whole life insurance for your child. You can buy coverage from $5,000 to $50,000 at budget-friendly rates based on your child’s age.

Features of the Grow-Up® Plan include:

• Coverage intended for the child’s “whole life”
• Guaranteed payout to the beneficiary (as long as premiums are paid)
• Low childhood premium rate that you lock in
• Coverage that doubles during the year your child is 18
• Cash value that builds over time
• A policy already in force if your child becomes uninsurable in the future
• Several opportunities for your child to increase coverage when he or she is an adult

Applying for the Gerber Life Grow-Up® Plan is as straightforward as its features. You can apply for this whole life insurance plan for a child if you are the parent, grandparent or permanent legal guardian of a child who is 14 days to 14 years old. You may apply over the phone or you may request that an application be mailed to you. You can also apply for the Gerber Life Grow-Up® Plan on the Gerber Life Insurance website: The website offers an easy, three-step process for buying your child’s Grow-Up® Plan: “Get Started,” “Apply” and “Checkout.”

1) Get Started
Visit the home page of the Gerber Life website and click on the Grow-Up® Plan tab. That will pull up a page that displays a short form to fill out to get a price quote. The price quote will show you estimated monthly premium amounts for various levels of coverage. There are only four things that you need to provide at this point: the state where you live, your child’s age, your child’s gender, and your email address. Fill in the information and then click “Apply Now.”

2) Apply
The web page that displays the price quotes includes an application form that is quick and easy to complete. You will be asked to choose a coverage amount of $5,000, $10,000, $15,000, $25,000, $35,000 or $50,000. Then, fill in the name, birth date and sex of the child or children to be insured. You will also need to name the beneficiary of the policy (yourself or someone else whom you designate, along with that person’s relationship to the child) – the person who would receive the payout if the child should die. Basic information about yourself such as name, address and date of birth will also be needed. A couple of additional questions that pertain to your child’s health and existing life insurance make up the remainder of the form.

3) Checkout
Your application requires an electronic signature. To do this, click on the box at the very bottom of the application in order to verify, sign and submit your application. That’s it. A few easy steps and you’re on your way to getting affordable whole life insurance for your child or grandchild. Remember, your premium price quote is only an estimate. The approval of your application is subject to the insurance risk assessment process known as underwriting.


1 Policy Form ICC12-GPP, Policy Form Series GPP-12

Please note: Articles and other information included on this website are intended for the general interest of our readers, and are not intended to express the positions or views of Gerber Life or to provide or constitute, legal, financial, health or other advice. Gerber Life makes no claims, representations, or warranties as to the accuracy, completeness, or appropriateness of this general interest information for your particular circumstances. If you need legal, financial, health or other services, you should contact a duly licensed professional.