Insurance for Families

Things to consider when choosing life insurance

The many options available for family life insurance can create a need for 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 comprehensive information about life insurance.

  1. Video: “Things You Should Never Have to Outgrow”

    kids water balloon fightIt may seem like yesterday that you were a kid running around the neighborhood with friends, water balloons in tow, leaving a scene of wet destruction in your wake. We may outgrow water balloons and T-shirts and hairstyles, but some things we should never have to outgrow. One of them is a sense of humor. Another is a life insurance policy.

    When you apply for the Gerber Life Grow-Up® Plan¹, which provides whole life insurance for kids, you’ll lock in a child-sized premium rate that never goes up during the life of the policy.

    Watch our short video to learn how the Gerber Life Grow-Up® Plan can actually grow with your child – and all of your children – for up to a lifetime, and for as little as pennies a day.

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  2. What to Consider When Preparing Your Will

    Advisor helps woman write WillMany people realize that having a written Will is important, since it explains how you want your money and personal possessions to be distributed after your death. Unfortunately, many people also keep postponing drafting a Will because they are unsure of how to proceed or decide on certain aspects, or because they want to attend to issues that they believe to be more pressing.

    Surprisingly, reports the legal resource center LexisNexis, about 55 percent of adults in the United States don’t have a Will.

    If that statistic includes you, then consider drafting a Will sooner rather than later. Here’s why: Without a Will, distribution of your money and personal possessions is left up to the state, which can lead to conflict within your family – or even cause assets to go to the state.

    To avoid such issues, here are some basic tips for preparing a Will:

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  3. Which Everyday “Necessities” are More Expensive than Life Insurance?

    girl with grandparentsDid you know that the biggest misconception about life insurance is the price? Some people still believe that life insurance costs significantly more than it actually does.

    According to a recent study conducted by LIMRA, a worldwide association of insurance and financial service companies, and Life Happens, a non-profit organization based in Arlington, Va., 80 percent of consumers misjudge the cost for life insurance. The study also found that both Generation X and the Millennial generation overestimated the cost of life insurance by more than 110 percent.

    What’s the story?

    To protect your family through Gerber Life Insurance, for example, a $25,000 10-year term life insurance policy for a healthy 32-year-old costs $8.40 a month for a female and $9.00 a month for a male.

    To put that into perspective, here are some typical items that can cost more than a life insurance policy:

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  4. Buying Life Insurance: A Guide to Getting Started

    mature couple doing online researchBuying life insurance means facing a lot of choices. Your family’s financial future may ride on your decision. How to make the right decision for you, your budget and your family?

    You’ll have to calculate how much insurance you need; research insurance companies and the different kinds of insurance policies available; decide on an insurance company and insurance policy that best meet your needs, and then cross-check your research to be sure you’re getting the best value for your money without undermining your core needs.

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  5. Questions to Ask Before Buying Life Insurance for Your Family

    family talks with life insurance agentIf you’re in the process of purchasing a life insurance policy or are considering doing so, you likely have questions. In this post, we provide answers to important questions to ask before buying a life insurance policy. We recommend that you print this checklist and keep it handy, to help you remember the questions to ask your life insurance sales person.

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