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Term Life Insurance Plan

2Monthly premium reflects discount for paying via automatic monthly payments from your checking or savings account.

Call 866-503-4480

for more information about
Term Life Insurance
M-F 8am-9pm, Sat 9am-5pm ET

Term Life Insurance Questions & Answers

  • Term life insurance is one of the most popular types of insurance because it provides protection – and peace of mind – for a specified period of time, also known as a “term.” The rates for term life insurance can be more affordable than many other types of insurance. Gerber Life Term Life Insurance is available for 10, 15, 20 and 30 year terms.

  • No medical exam is necessary, in most cases. Coverage is dependent on answers to health questions. A physical may be necessary for cause and for applicants age 51 and older who apply for more than $100,000 of coverage. In almost all other circumstances, Gerber Life’s customers will not need a medical exam.

  • Absolutely not. With Gerber Life, the amount you agree to pay when your coverage starts is the same amount that you’ll pay throughout the duration of your term life insurance policy.

  • At the end of the term, there are two options: You can either choose to end the policy agreement or, if you decide your family is still in need of coverage, you can renew your policy agreement at the premium rate for your age at that time – with no physical exam. This is a large benefit for those whose health may have deteriorated during the policy term.

  • One of the most typical reasons is that term life insurance is often one of the most affordable ways to protect a family from the unexpected death of a parent (the “insured”). Family left behind as “beneficiaries” would have money available to pay bills, final expenses or to plan for future expenses, such as a child’s education.

  • The financial stability of a company is a critical consideration when choosing insurance providers. You want to know that the company you choose will be there when you need the benefits of the policy. Gerber Life has a long history of being there when our customers need us most. In May 2015, A.M. Best, the impartial reporting firm that rates insurance companies on financial stability, management skill, and integrity awarded Gerber Life an “A” (Excellent) rating. This rating is the third highest awarded out of 13 possible categories. The rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the company.


  • Still have questions about term life insurance? We'd be happy to help.
    Contact us at 866-503-4480.

    Still have questions about term life insurance? We'd be happy to help. Contact us at 866-503-4480.