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. Dispelling the Confusion About Grow-Up® Life Insurance – Part 1, Premiums

    Meet Clair – Gerber Life Halloween StorybookFirst in a series of five blog posts

    Meet “Clair the Good Witch,” short for clairvoyante. We recently heard the wind whisper that her pastimes include sweeping, casting spells, and pinning photos of homemade brews on Pinterest. Today, Clair flew in to lift the spell of confusion that’s been cast on some parents and grandparents about life insurance premiums.

  2. When Should I Consider Increasing My Insurance Coverage?

    Family playing togetherAt some point in your life, you may decide that the coverage amount of your life insurance policy is no longer enough. Things have changed, and you need more coverage for greater peace of mind. That’s normal. People often need to increase their coverage.

    As part of our ongoing blog posting efforts in answering typical questions about life insurance, here are some ways for determining if you should increase life insurance coverage:

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  3. Should Seniors Consider Buying Life Insurance?

    Grandfather father and boy taking a picturePeople generally have fewer financial obligations as they get older. A home mortgage might be paid off or nearly paid off; the expense of raising children and putting them through college may no longer be a factor.

    In addition, you may have a substantial amount in your retirement savings.

    So, is life insurance for seniors necessary? Maybe yes, maybe no, although life insurance at any age can be important. You might not need the same level of life insurance as when you were younger, but the risk of not having life insurance may still be greater than the cost of having it. A lot depends on how many loved ones are dependent on you and how much of a safety net you already have.

    Here are a few questions to consider when thinking about buying life insurance for seniors:

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  4. What Expectant Parents Need to Know about Life Insurance

    pregnant woman and man readingAdults usually begin thinking about life insurance once they’re ready to raise a family or after their first child is born, since they want to provide security for their families.

    Here are four typical questions that expectant mothers and fathers frequently ask about life insurance while pregnant:

  5. Lowering the Cost of a Life Insurance Policy

    Young family buying healthy groceriesIs life insurance too expensive? Some people who don’t have life insurance think so.

    However, according to a recent study conducted by Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions, and LIMRA, a worldwide association of insurance and financial service companies, that is actually a misconception.

    Although there are life insurance policies considered “affordable” for most people’s budgets in the United States, the study found that 80 percent of respondents misjudged the price, with millennials overestimating the cost by 213 percent and Gen Xers by 119 percent.

    Because September is Life Insurance Awareness month, we want to help clear up some of the misconceptions about life insurance as well as help you to save you money on your life insurance policy.

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