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Life Insurance 101

Guide to Life Insurance

Everything you need to know to make the best life insurance decision for your family.

Multi-generational family

When To Buy Life Insurance

Do you need life insurance? These life stages indicate when it can be the right time to buy.
Happy couple with children

Designating a Beneficiary

What is a life insurance Beneficiary and how do you designate one? Read on to learn more about this crucial step in buying a policy.
friends eating at a table together

Why Do I Need Life Insurance?

There are many reasons why having some kind of family life insurance coverage is a good idea. We provide the details so that you can make the decision.
Life Insurance – Father greeting his children

What’s the Best Way to Insure My Family?

Confused about what the best life insurance options are to help protect family against the unknown? Gerber Life Insurance offers policies and solutions for every member of your family.
Life Insurance – Family playing in a park

Let’s Talk About The “D” Word

You’re never “too young” or “too healthy” to think about how life insurance should fit into our financial planning.
Life Insurance - Young couple doing their taxes

How Does Life Insurance Affect Taxes?

Understanding life insurance and taxes doesn’t have to be a headache. Get what need to know!
Term Life Insurance – family playing together

So How Long Do I Need Insurance For?

With term life insurance, you have the flexibility of choosing how long your coverage will last.
Budget areas for a family

Budgeting for Life Insurance

There’s a lot to think about when budgeting for a family. Find out how you can make room for life insurance in a tight budget.
Life Insurance Premium – mother playing with baby

What is a Life Insurance Premium?

When you’re considering life insurance, you don’t want any confusion. If you’re wondering, “What is a premium in insurance?” we’ve outlined what the term means here.
How Much Life Insurance Do I Need?: man using a calculator

How Much Life Insurance Do I Need?

This article can help you decide how much life insurance your family needs.
Single mom with her daughter

Life Insurance for Singles

Unmarried? You might still need life insurance. Here are some of the reasons why.
female doctor conducting medical exam

Do I Need a Medical Exam?

Learn why some life insurance policies require a medical exam for approval and others don’t.
Most dangerous jobs – roofer installing a roof

Top 10 Most Dangerous Jobs in America

Here we outlined the top 10 most dangerous jobs in America. If you work in one of these industries, apply for Accident Protection Insurance today and breathe easy tomorrow knowing your family is protected.
Accident Protection – Family talking on the front stoop

Accident Protection Isn’t Just for Lumberjacks

If you have Life Insurance, then Accident Protection can fill a gap by covering a disabling injury. Find out how!
Family eating breakfast together

Questions About Life Insurance

Considering life insurance? Make sure to get answers to these important questions before you buy a policy.
Term Life Insurance – Family playing outside

Get Certainty with Term Life Insurance

A lot of parenthood is figuring it out as you go. But, there’s one thing that shouldn’t involve guesswork: your family’s financial security.
Life Insurance – Expectant couple researching life insurance

Go With a Company You Can Count On

We’ll be there when you need us, with a friendly smile and helpful attitude. That’s how we do business
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How to Buy Life Insurance

There are many decisions to make when thinking of buying life insurance. Follow this step-by-step how-to guide.
Separating myths from facts about life insurance

Life Insurance Myths

Life insurance doesn’t have to be complicated. Gerber Life sets the record straight about five common myths about life insurance.
Cash value life insurance – family playing with dog

Cash Value: A Plus to Whole Life Insurance

Whole life insurance policies offer an added cash value component you can borrow against for unexpected expenses.
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Types of Life Insurance

All life insurance policies are not created equal. Understand how the different types of life insurance work.
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No Kids? Ask These Questions

If you don’t have children, you may wonder if you still need life insurance. To determine the answer, ask yourself these questions.

Child Life Insurance 101

Save today and provide for your child’s tomorrow with children’s life insurance.

Child Life Insurance Riders – Young couple with their new baby

Child Rider vs. Child Life Insurance

Should you get a child “rider” to your own life insurance policy or buy your child a policy of their own? Here are a few things to consider before you make the big decision:
Child Life Insurance – Mother laughing with daughter

What’s Up with Child Life Insurance?

Kids need life insurance, too, even though they’re not bringing home paychecks. Find out why!
Is the Gerber Life Grow-Up® Plan Worth It - father with daughter

Is The Gerber Life Grow-Up Plan Worth It

Planning to buy the Gerber Life Grow-Up® Plan? Know more before applying! Read reviews and ratings and learn more about terms and conditions of the plan.
Child life insurance – mother holding baby

How Much Life Insurance Does My Child Need?

Check out our three reasons why child life insurance may benefit your family. The Grow-Up® Plan is a smart way to ensure financial protection if the unexpected should happen to your child.
Child Life Insurance – Father and son building with blocks

Gain Cash Value with the Grow-Up® Plan

The Gerber Life Grow-Up® Plan is an ideal way to plan for your child’s future.
Child Life Insurance - Mother holding child in nursery

Why Do Kids Need Life Insurance?

Parents have enough to worry about. See how a children’s whole life insurance policy can bring more peace of mind.
Gerber Life Grow-Up® Plan – father kissing baby

How Does the Grow-Up® Plan from Gerber Life Insurance Work?

Gerber Life Insurance offers many types of financial protection, for people in all stages of life. The Grow Up® Plan starts protecting your child early on and continues into adulthood, for financial protection that can last a lifetime.
little boy kissing grandma on her cheek

Guaranteed Purchase Option Life Insurance Rider

Gerber Life's Guaranteed Purchase Option Rider is one of the main benefits of the Grow-Up Plan and offers ability to extend child life insurance coverage beyond age 21.
Child Life Insurance – Mom playing with daughter outside

Choosing the Best Life Insurance for Your Child

Once you’ve decided you should buy life insurance for your child, you'll need to choose the right policy. Gerber Life can help you understand which options to consider.

Adult Life Insurance 101

Learn how adult life insurance policies can help protect your family’s financial future.
Accident Protection – Young couple

Why You Need Accident Protection

If you’re young and unmarried, Accident Protection insurance is an affordable way to financially safeguard the people you care about.
Whole life vs universal life – parents laying with baby

Whole Life vs Universal Life

Whole Life and Variable Universal Life are popular types of permanent life insurance with both offering long-term financial protection. But which one is better?
Term Life Insurance – Family playing together in the kitchen

What is Term Life Insurance?

If you’ve been researching financial protection for your family, you’re probably wondering what term life insurance is all about. We’ve got the answers here!
Whole Life Insurance – family playing with child

Three Reasons You May Not Have Thought of for Buying Whole Life Insurance

Many people choose to wait to purchase whole life insurance after a big life event. These three reasons help explain why you should consider Gerber Life Whole Life Insurance today.
Whole Life Insurance – Father and daughter laughing together

Why Go with Whole Life Insurance?

Not sure if whole life insurance is right for you? Here are the top five benefits of whole life insurance for you to consider.
Stay-at-home mom smiling at newborn

Plans for Stay-at-Home Parents

The responsibilities in running a household shouldn’t be discounted when determining life insurance for stay-at-home parents.
Group life insurance – couple smiling

Life Insurance Through Work May Not Be Enough

Employer life insurance, also known as group life insurance or supplemental life insurance, may be part of your benefits package but it offers only a fraction of what you actually might need.
Whole Life Insurance – Family with a bright future

Which Type of Life Insurance is Right for You?

When it comes to your family's future, here are three reasons why Whole Life is the smart choice.
AD&D Insurance – construction worker working

What is AD&D Insurance?

AD&D insurance, short for Accidental Death and Dismemberment, is also known as accident insurance. Read on to see if it’s a good supplement to your life insurance policy.
Whole Life Insurance – Father and son watching sunset

Give Yourself More Financial Options

Did you know that whole life insurance policies include features that can protect your financial life in other ways?
Pregnant couple

Coverage for Expectant Parents

Life insurance can help to financially protect a future baby. Find answers to common questions about life insurance while pregnant.
Guaranteed Life – Grandmother with her grandchild

Why Grandparents Should Consider Life Insurance

Here are just a few reasons why Guaranteed Life Insurance is perfect for grandparents.
Term vs. Whole Life insurance – father hugging kids

What Kind of Policy Do I Need?

It’s important to understand the difference between Whole Life and Term Life insurance when planning for your family's future. Each type brings something different to the table.
Guaranteed Life – Grandfather laughing with his grandson

Think You're Too Old for Life Insurance?

Guaranteed acceptance and no medical exam. See how you can provide for your family today!
Life Insurance for Seniors – Grandfather playing with grandson

Why Do Seniors Need Life Insurance?

If you feel any uncertainty about you or your family’s financial future or your estate, you should seriously consider having life insurance.
Cash Value Life Insurance – Father and son washing dishes together

What is “Cash Value” and How Does It Work?

If you have questions about cash value and whole life insurance, we have the answers here.
Life insurance for retirement – senior couple photo

How Does Life Insurance Fit into My Retirement Plan?

Life insurance from Gerber Life can play an important role in developing greater financial security for retirement, such as replacing a spouse’s lost income or giving you access to money if you need it.
Term life insurance – family photo

Term Life Insurance 101: Take Control of Your Family’s Financial Health

Financial health is more than just your personal savings. You also need to consider your family’s financial health. Gerber Life Term Life insurance makes it easy for you to put a family financial plan into action.
Adulting – dad playing with baby

Adulting 101: Term Life Insurance

Wondering how to “adult” in the real world and have a financial plan for the future? Learn why Gerber Life Term Life Insurance should be a part of your overall financial plan.
Accident Protection – Young family with two children

Accident Protection vs. Life Insurance

Did you know Accident Protection can also act like a life insurance policy? Get the details to make the best decision for you and yours.
Whole Life Insurance – Young parents with child

Getting the Most out of Whole Life Insurance

See why young people have an edge when it comes to getting the most out of whole life insurance.
Accident Protection – Young family with two children

Cover All Your Bases with Accident Protection

Learn how Accident Protection can add an extra level of protection to your existing life insurance policy.
Guaranteed Life – Woman with grandchildren

How Does Guaranteed Life Compare?

Over 50? See how Guaranteed Life insurance stacks up against other types of insurance.
Pre-existing condition life insurance – couple talking with agent

Can you get Life Insurance With Pre-Existing Conditions?

You may have heard that if you have a pre-existing medical condition, life insurance is out of the question. The reality is that even if you have a health issue, it still can be possible to get a policy.
Elderly couple smiling

The Cash Value Benefit of Whole Life Insurance

Whole life insurance comes with a dandy feature: cash value. Learn how it can grow over time and how you could benefit.
AD&D vs. life insurance – worker climbing ladder

Ins and Outs of Accident Protection Insurance

Life insurance is great protection to have, but it won’t cover everything. That’s where Accident Protection (AD&D) comes in. Learn the ins and outs of AD&D here.
Whole life insurance – Father playing with baby

What is Permanent Life Insurance?

Protecting your family shouldn’t be complicated. Let’s break down the benefits of a Permanent Life insurance plan.
Guaranteed acceptance life insurance – child kissing grandmother

Quick Facts About Guaranteed Life Insurance

The Gerber Life Guaranteed Life Insurance Plan is a great way to protect your family and build cash value with no health questions and no medical exam.
Accident Protection Insurance – construction worker working

4 Things to Know About Accident Protection Insurance

Terrible accidents can happen, which is why it’s important to protect your family against the unthinkable. Accident Protection Insurance, also known as Accidental Death and Dismemberment, can help cover your medical bills, funeral expenses and more.
Senior life insurance – man working

More Ways To Use Life Insurance In Your Later Years

Life insurance with Gerber can do more than just cover your final expenses. Here are three ways you can use your life insurance policy that you probably never thought of.
Convertible term life insurance – couple smiling at baby

4 Reasons to Convert Term Life to Whole Life

One of the easiest ways to expand your coverage as you get older is to convert your term life policy to whole life. Check out these three reasons you should make the switch.
Term Life Insurance – Family laughing together at dinner

Why Term Life? It’s Flexible and Affordable!

Term life coverage is a great option for anyone searching for an affordable and flexible life insurance policy. Check out these top three benefits.
Millennials taking group selfie

Life Insurance for Millennials

Most Millennials recommend life insurance, according to studies. Read on to find out why they care — and why you should, too.

Planning for College

Our college planning resources are your guide to all things college preparation.

Gerber Life College Plan – seniors graduating

Why Should You Consider a College Plan Now?

Planning for your child’s future should start now. The Gerber Life College Plan is a great way to prepare for your child’s college education
Education savings plan – graduate in cap and gown

5 Things You Should Know About the College Plan

Helping your child get into college can be expensive, with tuition costs continually rising. That’s why it’s important to have a child education plan in place to help
College Plan – Father and daughter working on homework

How the Gerber Life College Plan Works

Like any parent, you probably have larger-than-life plans for your little one. See how you can make those dreams come true by starting your college planning today!
College Planning – Future scientist

Start Your College Planning Today

Paying for college is something that many families worry about. We’re here to help you get a head start.
Gerber Life College Plan – students studying

Knowing Your Options: 529 Plan vs Gerber Life College Plan

With the rising cost of higher education, it’s important to plan for your child’s future now. Here, we compare the Gerber Life College Plan versus a 529 Plan, to help you decide what could be best for your child.
College Plan – Celebrating with a recent graduate

How to Pay for College

There is no “right” way to save and prepare for college. It’s all about finding what works best for your family and financial situation.
Education plans – graduate hugging father

Why Does My Child Need an Education Plan?

Higher education is crucial and expensive in today’s world. That’s why it’s important to devise an education plan now so your child has the financial support they need after high school.

Money for College and Peace of Mind

The College Plan grows in value over time and the payout amount is guaranteed as long as premium are paid. No need to worry about stock market ups and downs.

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The Grow-Up® Plan

We understand you want to give your child every advantage. The Grow-Up® Plan is a simple, budget-minded way to start for children ages 14 days to 14 years. For as little as $1 a week, you can give your child a lifetime of life insurance protection with plans starting at $5,000. Your decision today will help your child be better equipped for adult responsibilities tomorrow.

Learn More