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Gerber Life Advantages

Get Paid Faster

Straight through processing (STP) using our Agent Portal

All applications using STP are IGO direct to Gerber Life

Easy Applications

One page applications

No signed illustrations required

Simplified or NO underwriting
based on product

Customer Friendly

Do not need to be face to face with customer

Customers can sign via email
with electronic signatures

Unique products with
cross selling opportunities

Gerber Life Products

Whole Life Insurance

Coverage from $25K to $1 Million

Available for adults ages 18 - 70

Optional Waiver of Premium Rider

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Simplified Senior Life Insurance

Coverage from $25K to $100K

Available for adults ages 50 - 80

Guaranteed level premiums


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Guaranteed Life Insurance

Available for adults ages 50 - 801

Adult coverage from $5K to $25K2

Rates guaranteed never to increase

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The Grow-Up® Plan

Children ages 14 days to 14 years

$10,000 - $50,000 of coverage

Coverage doubles during age 18

Builds cash value

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Accident Protection

Available for adults ages 18 - 69

Coverage from $50K to $250K

Can't be turned down due to health

Coverage for Spouse and Children

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Gerber Life Insurance
College Plan

Guaranteed payout of $10K to $150K

Stable growth that never loses value

Flexibility to use the money

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State Approvals

Products3 State Approvals
Whole Life All States except DE, DC, and ND
Simplified Senior Life All States except DE, DC, and ND.
Disability Waiver of Premium (DWP) Rider is not available in CA
Guaranteed Life All States except MT
Grow-Up® All States
Accident Protection All States
Gerber Life Insurance College Plan All States

About Gerber Life


You can depend on Gerber Life.

For more than 50 years, Gerber Life has been providing budget-friendly life insurance so that children and adults can have greater financial protection. Founded in 1967 by the Gerber Products Company, we share a common heritage and values in caring for the millions of families who place their trust in us. Today, Gerber Life is a member of Western & Southern Financial Group Inc., one of the strongest life insurance groups in the world. With $65 billion of life insurance in force as of December 2023, you can count on Gerber Life to provide insurance plans for the entire family that offer the reliability, flexibility and peace of mind you deserve. Read More +

Gerber Life's Record Excels

"A+" (Superior) Rating from A.M. Best

We know our customers want a strong company that will be there now and in the future. That's why Gerber Life Insurance is conservatively managed to ensure long-term growth and financial stability, with the majority of our portfolio in high-quality investments.

A.M. Best, the impartial reporting firm that rates insurance companies on financial stability and ability to meet financial obligations, has awarded Gerber Life an "A+" (Superior) rating, most recently in January 2024. It refers only to the overall financial status of the company and is not a recommendation of specific policy provisions, rates or practices of the company. This rating is the second highest awarded out of thirteen possible categories.

How to Get Contracted

Gerber Life does not appoint Agents or General Agencies directly.


Contact your General Agency to get contracted
or fill in the Appointment Request Form and we
will help you find a General Agency.

General Agencies

Contact your NMO, FMO or MGA for contracting
or fill in the Appointment Request Form and we
will help you find an NMO, FMO or MGA.

Appointment Request Form

For Agents - Gerber Life does Just In Time (JIT) appointments except in states where pre-appointments are required.

Contact your General Agent for more information.

First application must be submitted with contracting paperwork in all other states through your General Agency.

Gerber Life will not accept contracting paperwork directly from an Agent.

For Commission information contact your General Agent.