This is a review of Gerber’s Guaranteed Issue life insurance product.  Scroll down if you’re looking for sample rates.

When you shop for around for life insurance policies you need to compare all of the possible options before you decide which one is going to be best for you and your family. There are several different types of plans on the market, and all of them have different pros and cons. Not only that, but there are hundreds of companies on the market that you will need to compare.

First and foremost, there are no health questions and no medical exams whatsoever. If you have a social security number and are between the ages of 50 and 80, you qualify. Period. No questions asked (literally). There are other companies out there that offer no medical exam or very limited health questions, so do not let your health issues stand in the way of finding the best coverage for you.

You’ll notice that Gerber life insurance is almost always among the lowest rates for guaranteed issue life insurance. They aim to be “budget minded” (Gerber’s own words). Combine that with a strong financial rating of “A” with AM Best and you can feel comfortable applying with Gerber if they’re the appropriate product for you.

Where Rootfin has an edge is our ability to complete an application right over the phone with a voice signature. All we do is read Gerber’s disclosures, collect your contact information, beneficiaries and payment information and you can have a policy in force as soon as your payment information clears. You’ll receive a policy in the mail within 7-10 business days. Only a few agencies in the nation have this access to voice sign and we are one of them.

Read through our other reviews, Zander Insurance, Primerica Life Insurance and United Home.

Gerber Life Insurance Product Overview

Gerber Life Insurance Company is a financially separate affiliate of the Gerber Products Company, “The Baby Food People,” a name that’s synonymous with family caring since 1928.

The Guaranteed Life plan is a Gerber Life Insurance product that is available for adults ages 50-80 and there are no health questions to answer and no medical exams required. Acceptance is guaranteed.

The policy features guaranteed coverage up to $ 25,000 and as low as $5,000. Gerber’s guarantee to accept all applicants age 50 to 80 is made possible by a graded death benefit limitation. It applies to the first two years of coverage when the policy is issued.

If death occurs within the first two policy years for any reason other than an accident all premiums plus 10% interest shall be paid to the beneficiary. If death is due to accidental causes within the first two policy years, the full death benefit will be paid to the beneficiary. After the two-year Graded Death Benefit period, if the insured dies for any reason the full face amount of the policy shall be paid to the beneficiary.

This waiting period of full coverage is typical with all guaranteed issue life insurance companies.

Sample Gerber Life Insurance Monthly Premiums

Keep in mind that rates are guaranteed to never go up and your coverage amount will never go down as long as you make your premium payments.

Also there are small discounts for paying annually, typically 3%-5%, but it ranges.

Male                 Female
50 year old     $38.41               $28.14
60 year old     $56.65               $46.48
70 year old     $87.91               $68.75
80 year old     $220.92             $152.17

Male                 Female
50 year old     $57.15               $41.75
60 year old     $84.52               $69.25
70 year old     $131.40             $102.67
80 year old     $330.92             $227.79

Male                 Female
50 year old      $75.90              $55.37
60 year old      $112.38            $92.03
70 year old      $174.90            $136.58
80 year old      $440.92            $303.42

Male                 Female
50 year old      $94.65              $68.98
60 year old      $140.25            $114.81
70 year old      $218.40            $170.50
80 year old      $550.92            $379.04

If you’re looking for more age specific rates, please fill out our instant quote form or give us a call.  You can get a good idea of what to expect from the above sample rates though.

I hope you notice just how much more expensive life insurance gets simply by waiting to purchase coverage.

The average cost of a funeral in the United States is around $10,000 and that’s what the majority of people are purchasing.  They add on additional coverage only if they have existing debts they’d like to pay off.

How To Apply for Gerber Life

After you receive rates and decide to move forward.  There are 3 ways to apply with Gerber Life Insurance Guaranteed Issue.

(1) Voice sign.  We’ll simply collect information and read disclosures over a recorded line.
(2) E-Signature.  We’ll complete the application over the phone and send it to you to review and you can add your signature by simply typing your name.  If you have any questions about e-signing, we’re a phone call away to walk you through it.
(3) Paper application.  We can email you an application and you can either email it or fax it back to

Other Life Insurance Options

The Gerber guaranteed issue policy is not the only option for life insurance. If your application has been declined in the past, there are still several options for affordable coverage that you can choose from. Every insurance company is different, and all of them have different medical underwriting and you’re going to get different rates depending on the company that you choose. There are some companies that are going to decline your applications while other companies are going to offer you affordable life insurance.

If you think that you can’t get approved for a traditional insurance policy, that might not be true. There can still be plenty of other options, like other no exam plans, burial insurance policies, and much more. There is nothing wrong with purchases a guaranteed issue policy, but there are some pros and cons of these policies.

The main disadvantage of any guaranteed issue plan is the limit on the amount of coverage that you can buy. Most insurance companies, like Gerber, will only allow you to purchase around $25,000. For the vast majority of families, that’s not going to be nearly enough life insurance protection.

Before you apply for one of these plans, it’s important that you calculate how much life insurance that your family will need.  So take an evening and figure out the numbers so you can purchase a place with a face value that benefits you best. We’ve listed a few places to start below.

The first number that you should calculate is your debts and final expenses. The main use of your life insurance benefit should be to allow your family to have extra cash to take care of the important things when you pass. Make sure that your plan is large enough to pay off your remaining mortgage, student loans, business loans, and any other major debts that your family would be responsible for after your passing.

The next number that you should throw into the equation is your annual income. The second purpose of your life insurance policy is to help your family replace your stream of income. More than likely, your loved ones would sacrifice their standard of living if you didn’t have a life insurance plan in place.


You should only purchase guaranteed issue life insurance as a last resort.  Many people searching for guaranteed issue life insurance can actually qualify for other LESS EXPENSIVE  policies with a dozen or so health questions.  While these are still graded policies (meaning they have a 2 year waiting period before full benefits are paid out), many people with health complications can qualify for these.

By calling us, we’ll make sure you can’t qualify for one of these policies first.  If you can’t qualify, we’d love to recommend Gerber Life Insurance Company and they’ll most likely be your most affordable option.

We know this is a lot of information.  If you have any questions about Gerber’s guaranteed issue life insurance product, please don’t hesitate to pick up the phone and call us.  We consider Gerber to be one of the best life insurance companies on the market today, though there are many other great options to look into before you make your final decision.

If you have any questions about Gerber life insurance or the available options, please contact one of our agents today. We would love to answer those questions and ensure that you’re getting the best rates possible.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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is this guranteed life insurance

September 14, 2015 at 3:46 pm
    Jeff Root

    Hi Rickey, yes this is guaranteed life insurance. No health questions to qualify.

    November 16, 2015 at 1:40 pm
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