The Gerber Life Parenting Blog

Insurance for Families

Things to consider when choosing life insurance

With the many options available for family life insurance you may need someone to help you understand the different choices and terminology. Gerber Life takes the guesswork out of family life insurance with articles that answer such questions as, "How does life insurance work?" and "How do I get life insurance?" Whether you're looking for a policy for an infant, child, adult or senior, we've got you covered when it comes to answering your questions about life insurance.

  1. Benefits of Whole Life Insurance

    December 3, 2015

    Family playing togetherWe know how important life insurance is, and yet more than 40 percent of Americans have no life insurance coverage of any kind, according to the 2015 Insurance Barometer Study by Life Happens and LIMRA.

    Why is life insurance so important? Why might you need it? Could you face greater risk NOT buying life insurance than budgeting for it?

    Here’s a list of the top five benefits of whole life insurance:

  2. Video: Who is Gerber Life?

    November 30, 2015

    Screenshot from video of the Gerber plantSince our launch in 1967 by the Gerber Products Company, “the baby food people,” Gerber Life Insurance has stayed true to the Gerber mission – helping parents to care for their children. Throughout the years, our company and our insurance policies have met the evolving needs of families all over the country.

    It all started with the Grow-Up® Plan1, an affordable whole life insurance policy designed to give kids a powerful head start in life, and has grown to include various coverage options for adults, as well as the Gerber Life College Plan2 – an endowment policy with an adult life insurance benefit that provides a safe and reliable solution for paying for college expenses.

    Our insurance evolves with the generations, but one thing remains constant: We continue to honor the legacy of Dan and Dorothy Gerber through our commitment to help parents care for their children, by providing the peace of mind of knowing that their children can have greater financial security no matter what life has in store.

  3. Video: Who Needs Life Insurance?

    November 19, 2015

    Video screenshotLife can be unpredictable. That’s part of what makes it so beautiful. Not knowing what lies around the corner can sometimes be scary, but with life insurance protection you can rest assured that no matter what the future brings, your loved ones have greater financial protection.

    Who needs life insurance? People who have loved ones who depend on them financially should consider getting coverage. Life insurance can give you the peace of mind of knowing that your loved ones will have financial protection should the unthinkable happen to you.

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  4. Do You Need Accident Protection Insurance?

    November 18, 2015

    Ambulance lightsAccidents by their very nature are unexpected and unintentional. When incidents result in injury or worse, the costs associated can often exceed a family’s income. That’s why it’s so important to have some kind of protection in case the unexpected should occur. Accident protection insurance can provide a financial safety net against accidental death or a disabling injury, helping you and your loved ones to pay for out-of-pocket medical expenses, lost wages, and other costs.

    Do you need accident protection insurance? What’s the difference between accident protection insurance and life insurance? Here are some considerations:

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  5. Why Stay-at-Home Parents Need Life Insurance

    November 9, 2015

    Woman doing laundryDoes a stay-at-home parent need life insurance since he or she technically doesn’t contribute to the household income? The answer is yes.

    Why? Because, should the unthinkable happen to the stay-at-home parent, the other parent – the primary or sole breadwinner of your household – would have to continue working to support the family and also pay other expenses, such as childcare, to replace your at-home contributions to the family.

    The work contribution of a stay-at-home parent should never be discounted when determining life insurance coverage. It’s also not a question of “if” a stay-at-home parent should have as much, or more, or less, life insurance coverage as a working parent. Instead, determine the need for life insurance for a stay-at-home parent based on his or her contributions to your household.

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