Last Updated: June 2026
This privacy policy (the "Privacy Policy" or “Policy”) explains how Gerber Life Insurance Company ("we," or "us") handles: (a) information collected from or about individuals when they visit or use a Gerber Life Insurance Company website, such as GerberLife.com (collectively, "Gerber Life websites" or "our websites"); and (b) information we collect, via our websites and otherwise, about prospective Gerber Life Insurance Company customers who have not previously applied for or purchased a financial product or service from us. The scope and applicability of this Privacy Policy is further described under “Who does this Privacy Policy apply to?” below.
By visiting or using our websites, you are accepting the practices described in this Privacy Policy. If you do not agree to these practices, please do not use the Gerber Life Insurance Company websites.
This Privacy Policy applies only to the individuals and information handling activities described below:
Our websites may provide links to, or features from, other third-party sites (such as third party social networks) that we do not own or control and whose practices are not covered by this Privacy Policy. If you link to such sites or use such features, you do so at your own risk. We are not responsible for the content or practices of any third-party sites.
We collect information from you on our websites when you do any of the following:
A more detailed description of each of these collection scenarios, and how we use your information in each scenario, is provided in Section 3 below.
The information we collect and how we use it depends on the context and purpose for collection.
The information collected on these forms will vary depending on the product but will typically include some or all of the following:
The information collected may be regarding the proposed insured, applicant for coverage, and the policy beneficiary. Any information you provide on our online application form is used to review and process your application. For insurance policies that require underwriting, your application information may be used (together with other information we may obtain about you) to determine your eligibility for insurance. We may also use information from your application (such as your contact information) to keep you informed about the status of your application or to remind you about completing your application.
In addition, the information from your online application will be used and disclosed in accordance with our other privacy policy notices available here.
When you sign up for our newsletter and/or blog online, we may ask you for the following information:
This information is used to send you the communications that you request, which may include our email newsletter, blog and other mailings (including postal mail) that may contain special offers and product news from Gerber Life Insurance Company and our partners. We do not sell, rent, or share your contact information with unaffiliated third-party companies for their own marketing use, but we do utilize digital tracking technologies and share certain information among our affiliates, as discussed below.
In some instances, we may obtain sign-ups to our newsletter through check boxes that appear on other forms (such as on an application or quote-request form) or on the phone through our Customer Service department. We may also receive sign-ups through third party sources, such as from co-registration forms on other sites.
You can opt out from receiving our newsletter, blog, or other marketing communications by: for emails, clicking on the "Unsubscribe" link provided at the bottom of each such email communication; or for other communications, by contacting Customer Service.
To set up a Gerber Life Insurance Company eService account (which allows our policy holders to access and manage their account online), we ask you to provide or validate the following information:
This information is used to verify that you own a policy (or group of policies) with Gerber Life Insurance Company and to create and maintain an online account that is linked to your policies.
When you use our eService tool, we may collect information from you to verify or modify what we already have in our records or to obtain certain information from you (such as payment information or additional beneficiary information) for the first time. For some activities (such as when you make policy changes), you may be required to generate a printable form to sign and mail in to Gerber Life Insurance Company along with additional legal documentation (such as a birth certificate or other form of identification). Any new policy-related information you give us through your eService account will be handled in accordance with this policy, as well as Gerber Life Insurance Company's other privacy policy notices available here.
Our websites may allow you to contact Customer Service with specific questions about your policy or general questions about our different insurance products. The information collected for these purposes may include:
This information is used to respond to your question or request in a timely fashion and may be retained to keep a record of your correspondence.
From time to time, we may obtain feedback from you about your experience using our products and services. Examples may include your responses to online customer surveys as well as other comments and suggestions you may provide to us about your experience. We use this information to continually improve our products and services.
From time to time, we may offer other website forms, features, or services that allow users to submit information to us, including personal information. The purposes of these forms, and how the collected information will be used in each case, is stated at or before the point of collection. The types and amount of information collected will vary depending on intended uses of the data.
We may obtain lists of and collect information about Prospects who may be interested in our products and services. We collect Prospect information from third party marketing partners and consumer data resellers for purposes of marketing our products and services to Prospects, including tailoring marketing content or messages that Prospects receive to better match their interests.
As you navigate through our websites, certain information can be passively collected (that is, gathered without you actively providing the information) using various technologies and means, such as navigational data collection. Like most website operators, we track IP addresses during your visit and use session, persistent, and flash cookies and may use any other successor tracker technology, like pixels, web beacons, etc. Cookies and other tracking technologies are collectively referred to herein as "digital tracking technologies." We use digital tracking technologies to help identify you when you visit our websites. Our system also automatically gathers information about the areas you visit on our websites and collects operational information about the technology you use, such as your browser, type of computer, operating systems, and Internet service providers.
The collection and use of this information allows us to:
We also collect personal information about users over time and across different websites when you use our websites. We use digital tracking tools to provide you advertising based on interest and to better understand your behaviors and browsing activities. Some third parties gather information passively on our websites, including for behavioral advertising purposes. We partner with third party ad networks to either display advertising on our website or to manage our advertising on other sites. Our ad network partners use digital tracking technologies to collect information about your activities on our websites and other websites to provide you with targeted advertising based on your interests. Among other technologies, we may use Google Analytics and Google Ads. You can learn more about how those technologies work by visiting "How Google uses information from sites or apps that use our services," located http://www.google.com/policies/privacy/partners.
The sharing practices described below only apply to information we collect from you on our websites (e.g., e-newsletter sign-up, eService account setup and maintenance, online customer surveys, etc.), and to any information we collect about Prospects.
To learn about how we disclose information collected for insurance-related purposes (e.g., insurance applications, policy changes, etc.), please refer to Gerber Life Insurance Company's other privacy policy notices available here.
Gerber Life Insurance Company may provide aggregate statistics about our customers, Prospects, sales, online traffic patterns, and related information to third parties. When we do so, we forbid recipients from attempting to link that data to specific individuals.
We may disclose some information to other parties to obtain their analytics services and serve ads targeted to your interests and based on your online activities. These parties may use the information for their own marketing and to offer products and services. We may also disclose information to Gerber Life Insurance Company affiliates within the Western & Southern Financial Group family of companies for those affiliates' business and marketing purposes. Our affiliates can be financial and non-financial companies.
Our affiliates include companies with the Western & Southern name; such as The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Western & Southern Agency, Inc., W&S Brokerage Services, Inc., W&S Wealth Solutions, Inc., W&S Advisory Services, LLC, Columbus Life Insurance Company, The Lafayette Life Insurance Company, The Lafayette Life Insurance Agency, Inc., Gerber Life Agency, LLC, Integrity Life Insurance Company, National Integrity Life Insurance Company, W&S Financial Group Distributors, Inc., IFS Financial Services, Inc., Touchstone Securities, Inc., Touchstone Advisors, Inc., Fort Washington Investment Advisors, Inc., Eagle Realty Capital Partners, LLC, Eagle Realty Group, LLC, Fabric Technologies, Inc. and Till Financial, Inc.
Please visit www.westernsouthern.com for more information about our affiliates. For more information on the categories of personal information we disclose and the purposes of disclosing that information, please see section 10 below.
While we recommend that you leave digital tracking technologies turned on to take advantage of our websites’ many features, you have choices. For example, you can configure your browser settings to: (i) receive notifications when you are receiving new cookies; (ii) disable cookies; or (iii) delete cookies. Please refer to your Web browser's help section for information on how to do this. You can read more about targeted advertising and take steps to control targeted advertising from many ad networks and exchanges by visiting https://thenai.org/about-online-advertising/ and https://thenai.org/how-to-opt-out/. You may install a Google Analytics Opt-out Browser Add-on by visiting https://tools.google.com/dlpage/gaoptout.
Depending on where you live, you can either opt-in or opt-out of digital tracking technologies on our websites by using our Cookie Preferences, an opt-out preference signal, such as the Global Privacy Control (GPC) on browsers and/or browser extensions that support such a signal, calling us at (877) 877-2912, or writing to us at: Gerber Life Insurance Company, Attention: Policy Administration, 445 State Street, Fremont, MI 49413. If you are a resident of California, Nevada, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, New Hampshire, Pennsylvania, Vermont, or Washington, Gerber Life Insurance Company will only use and/or disclose digital tracking technologies information across non-Gerber Life Insurance Company businesses, websites, and applications for targeted advertising purposes if you use our cookie banner to opt-in to sharing information for such purposes. If you are a resident of any other state, we will use and/or disclose your information across non-Gerber Life Insurance Company businesses, websites, and applications for targeted advertising purposes, unless you opt out of such use/disclosure. Your decision to opt-in or opt-out will not alter the number of advertisements you see, only whether those advertisements are tailored to you. To download and use a browser supporting the GPC browser signal, click here: https://globalprivacycontrol.org/orgs.
Unless you submit your opt-out or opt-in selection while logged into your account with us, your request to opt-in or opt-out will only be linked to your browser identifier. This means that if you submit your opt-out or opt-in selection while not logged into your account with us, you will need to remake that selection on each browser or device you use. Your browser may save some information in its cookies and cache to maintain your privacy preferences. Clearing these may remove opt-out or opt-in selections, requiring you to make your selection again. If you submit your opt-out or opt-in selection to us while logged into your account with us, we will attempt to apply your selection across your browsers and/or devices.
If you block, delete, or choose not to enable digital tracking technologies, essential digital tracking technologies will still function, but you might not be able to use all of the features and functionality of our websites. Please note that our systems currently don't respond to "Do Not Track" headers or signals from web browsers, but we do process opt-out preference signals, such as the GPC, on browsers and/or browser extensions that support such a signal.
In addition to the other disclosures in this policy, we may disclose your website-related information (including personal contact information about you) and personal information about Prospects as set forth below.
We use a variety of methods to try and keep the personal information we collect confidential and secure. These measures include (among other things) the use of industry-standard encryption to protect sensitive information and activities (e.g., submission of online application form, registration and login for eService account, etc.), storage of your personal information on firewall-protected servers, and limiting access to your personal information to only those Gerber Life Insurance Company employees and agents/contractors who need it to do their job and have been trained in the proper handling of customer information.
Please note, however, that no security system is foolproof and these protections do not apply to information you choose to share in public areas such as our website community features or other social areas.
The safety and security of your information also depends on you. Never share your password with anyone else and notify us promptly if you believe your password or account has been breached.
If you created an eService account with us, you can always access and update your account profile (including the name, contact information, and password associated with your account) by logging in to your account and clicking on "Profile." Within your account, you also have the ability to turn on/off electronic billing notifications or other account-related email alerts.
If you have opted-in to receive push notifications, you may opt-out at any time by using your web browser or mobile device controls.
The information below outlines Gerber Life Insurance Company's usage of Artificial Intelligence Systems (AIS) and External Consumer Data and Information Sources (ECDIS).
If we decide to change the practices disclosed in this policy, we will post the changes in this Privacy Policy. For material changes (i.e., substantially new practices you wouldn't expect from us or that we didn't previously disclose in this policy), we may decide to notify you more prominently (such as through a notice on the home page of our site).
The websites are not intended for children under the age of 18. We will not knowingly collect information from our websites' visitors in this age group. We encourage parents to talk to their children about their use of the Internet and the information they disclose online.
The California Consumer Privacy Act of 2018 ("CCPA") gives California residents the right to know what personally identifiable information Gerber Life Insurance Company collects about them, including whether it is being sold or disclosed to third parties, and grants them certain rights described below. However, the CCPA does not apply to personal information that Gerber Life Insurance Company collects, processes, sells, or discloses pursuant to certain federal and state financial privacy laws (“Financial Privacy Laws”). The only personal information we do not collect, process, or disclose pursuant to Financial Privacy Law is personal information about Prospects and website visitors. As a result, the information and rights described in this section below only apply to Prospects and website visitors who are residents of California. All other individuals should refer to the earlier sections in this Privacy Policy and Gerber Life Insurance Company's other privacy policy notices available here to learn about how your personal information is used and disclosed, and what rights they may have and how to exercise them.
A list of the categories of personal information Gerber Life Insurance Company has collected in the preceding 12 months about Prospects and website visitors residing in California, along with the categories of sources from which the personal information was collected, the purposes for which the personal information is collected and disclosed, and the categories of parties to whom we have disclosed the personal information, is below. The categories of personal information listed are provided by law; we do not necessarily collect each type of personal information within a particular category or collect every category of personal information for every individual.
| Personal Information | Sources | Purposes of Collection and Disclosure | Parties We Disclose to |
| Identifiers, such as a real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, or other similar identifiers. |
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| Characteristics of protected classifications under California or federal law, such as race or gender. |
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| Internet or other electronic network activity information, such as browsing history, search history, and information regarding an individual’s interaction with an internet website, application, or advertisement. |
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In addition to the purposes described in the table above, Gerber Life Insurance Company collects and discloses any and all personal information we collect as necessary or appropriate to comply with laws and regulations; monitor, investigate, and enforce compliance with and potential breaches of our policies and procedures and legal and regulatory requirements; comply with civil, criminal, judicial, or regulatory inquiries, investigations, subpoenas, or summons; and exercise or defend the legal rights of Gerber Life Insurance Company and its employees, officers, affiliates, subsidiaries, customers, contractors, and agents.
Although your personal information is not shared or disclosed for money, our use and disclosure of your identifiers and internet or other electronic network activity information to marketing partners and analytics providers for marketing purposes, and disclosures to affiliates, could fall within California’s definitions of “selling” and “sharing.” The chart below describes the categories of personal information we have sold or shared, the purpose of the selling/sharing, and the categories of third parties to whom we have sold/shared that information, all within the preceding 12 months.
| Personal Information | Purposes of Selling/Sharing | Third Parties To Whom We Sell or Share |
| Identifiers, such as a real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, or other similar identifiers. |
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| Characteristics of protected classifications under California or federal law, such as race or gender. |
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| Internet or other electronic network activity information, such as browsing history, search history, and information regarding an individual’s interaction with an internet website, application, or advertisement. |
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| Commercial information, including records of personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories or tendencies. |
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California Prospects and website visitors have certain rights with respect to Gerber Life Insurance Company's use and disclosure of personal information about them:
To exercise any of the rights described above, including the right to opt-out of information-sharing across our affiliates, you can call us at (877) 877-2912, use the online submission form available at https://www.gerberlife.com/gl/portal/customer-service/privacy-legal/privacy-CCPA-request, or write to us at: Gerber Life Insurance Company, Attention: Policy Administration, 445 State Street, Fremont, MI 49413. For requests to opt-out of selling/sharing related to digital tracking technologies, you can also use our or an opt-out preference signal, such as the Global Privacy Control (GPC) on browsers and/or browser extensions that support such a signal.
We value the security and confidentiality of your personal information. Therefore, if you exercise your right to notice, right of access, right to deletion, or right to correct, we must first verify your identity to make sure that you are the person about whom we have collected personal information. We verify those requests carefully and ask that you provide your name, address, email address, and date of birth along with your request for verification purposes. We will match the identifying information submitted by you with your request to any personal information about you already maintained by Gerber Life Insurance Company.
You may also authorize someone else (an “Authorized Agent”) to submit a request to exercise your rights on your behalf. To do so, you must provide your Authorized Agent with signed permission to submit a request on your behalf (unless you provide your Authorized Agent with power of attorney). If you give your Authorized Agent signed permission to submit a request on your behalf, before we provide any information to your Authorized Agent, we will: (1) verify your identity by confirming your name, address, email address, and date of birth; and (2) require your Authorized Agent to provide us with proof of your signed permission to submit the request (such as by submitting a copy of the permission).
Gerber Life Insurance Company may retain each category of personal information it collects for as long as needed or permitted based on your relationship with us, our legal and regulatory obligations, and normal business purposes, including marketing and advertising. The criteria we use to determine our retention period include:
California residents who are unable to review or access this Privacy Policy due to a disability may call us at (877) 877-2912 to access this Privacy Policy in an alternative format.
For privacy policy questions or concerns, please contact us:
Gerber Life Insurance Company
Attn: Privacy Officer
44 S. Broadway
White Plains, NY 10601
877-877-2912
info@gerberlife.com
