Skip to main content

Young Adult Life Insurance FAQ

  • Young adult life insurance is a whole life insurance policy designed for children ages 15 through 17. You are the policyowner until your child becomes 21.

  • This valuable plan protects your teen with $5,000 of whole life insurance, the kind that builds cash value. A healthy teen can get $5,000 to $50,000 of permanent whole life coverage.

  • Once coverage begins and for as long as the premiums are paid, Gerber Life cannot cancel the insurance for any reason. Only you (or your child after he or she turns 21 and becomes the policyowner) can cancel the coverage.

  • As the years go by your whole life policy accumulates cash value over time. This money is available if ever there is a need for ready cash. As an adult, your child will have the option to turn in the policy and receive the available cash value.

  • Yes, until your child becomes the policyowner at age 21, you can turn in the policy and receive the cash value.

  • The cost of young adult life insurance varies based on the amount of coverage you choose, your child’s age at the time of application and the state in which you reside.

  • Parents, grandparents or permanent legal guardians can apply for this policy for the teen in their family. The parent, grandparent or permanent legal guardian who applies will be the policyowner until the teenager is 21.

  • Our Young Adult whole life insurance policy is only available by phone at 1-800-704-2180. Remember, it costs nothing to apply and you have 30 days to review the policy!


Request More Information

Would you like more information about Gerber Life insurance policies that can help to financially protect your family? Click below.

Request Information

Or call us at

1-800-704-3331

1-800-704-3331

for more information

Monday through Friday 8 a.m. to 7 p.m. ET

Grow-Up Icon

Gerber Life Grow-Up® Plan Quote

Tell us about yourself, and we'll customize a plan just for you:

* Indicates required field

Term Icon

Term Life Insurance Quote

Tell us about yourself, and we'll customize a plan just for you:

Have you used tobacco? *

* Indicates required field
** Currently not available in New York

Whole Icon

Whole Life Insurance Quote

Tell us about yourself, and we'll customize a plan just for you:

Have you used tobacco? *

* Indicates required field
** Currently not available in New York

Guaranteed Icon

Guaranteed Life Insurance Quote

Tell us about yourself, and we'll customize a plan just for you:

* Indicates required field

Accident Icon

Accident Protection Insurance Quote

Tell us about yourself, and we'll customize a plan just for you:

* Indicates required field

College Icon

Gerber Life Insurance College Plan Quote

Tell us about yourself, and we'll customize a plan just for you:

Child's Age *
Relationship to Child *
Your Age *

* Indicates required field

Get inspired with our free e‑newsletter for parents

Get our free parenting e‑newsletter with:

– Parenting advice

– Money-saving tips

– Life insurance blogs

No thank you

By signing up, you agree to occasionally receive emails from Gerber Life. Unsubscribe at any time. View our privacy policy.

We’d like to notify you about updates, videos, new products and more.

Notifications can be turned off at any time in your browser settings.