First I only had life insurance for my son through Gerber Life. They had been very persistent in quality and affordability over the past seven years since I signed my son up. After going through some tough financial times after the death of a close family member, I decided to do some research for my own policy. I didn't want to leave such a burden on my family. I have to admit, Gerber wasn't the first on my list, but I'm so glad that I gave them a chance! Depending on your age, you can get more than $100,000 in term life coverage for as little as $13.00 a month; no physical exam needed. Just fill out the application and answer a few questions, and that's it! Then you wait for your approval letter! It's that simple.
The customer service is great. They go into full description on details about the insurance plan. They give you plenty of time to catch up on your payment and they tell you what they have to offer on different policy like the accidental insurance policy that I have on myself which is very affordable life insurance plan. I also have a plan for my 3 sons as well.
They're very helpful and knowledgeable. I've always found them to be very friendly. My son has had a policy with them for the last 12 years. I figured since they offer adult coverage as well, I should give them a try. The application process is extremely simple, and I am very pleased with their rates. I've never had an issue with Gerber. I would recommend them to anyone.
I have had this policy for my son for 17 years. Financial times are tough, so I decided to take out a loan on the policy. They received my loan request form on 4/21. Supposedly they sent a check on 4/28. I never received it, yet I receive all of my other mail with no issues. I sent an affidavit of lost check and they received it on 5/30. Supposedly they sent another check on 6/6. Well it's the 15th and I still have no check! They are keeping my money. It has been almost 2 months to get MY money. Once this is resolved I will be canceling the policy and sharing my opinion of them with everyone that I know. You do not want anything to do with them!
I usually do not complain but THIS TIME I have to. My father died so I call Gerber Life since I purchased a policy on my Dad back when he was 60 years old (23 years ago). I called and waited 4 times to be called back. 27 min; 24 min; 32 min and finally 45 min and no callback. So I called and waited 18 min to speak to a person. They wouldn't tell me anything even though I'm the policy owner. Not to mention I paid them $10K ++ since 1993 for a measly $5K policy. That is sad in and of itself. First person said I have to have my father's death certificate, makes sense, my mother's death certificate... makes sense since I made her beneficiary in the application and a copy of the cremation certificate to prove he's really deceased and he is who he is. REALLY???
So I call back today and was told, "ohhh, you don't need that (cremation cert) - you need a letter stating you're the administrator of the estate." My father has no estate. He's indigent. Someone else has always helped to take care of him as he was not able to by himself. He died with nothing. Zero. They said, "Sorry. We cannot legally release the money to you." And NOW I have to pay the state of MD a fee to APPLY to be the administrator of an ESTATE that DOES NOT exist and a policy that will only partially reimburse me for the money it has cost me to take care of his final expenses!! REALLY?? Why didn't you tell me that LAST WEEK???
I HIGHLY DO NOT RECOMMEND THIS COMPANY OR THEIR PRODUCTS. IT'S A RIP-OFF SCAM. INVEST $38 a month in a mutual fund or gold for the next 25 years and see how much cash you have in hand. Trust me - it won't be $5K. That's what they made on MY money all these years. I was foolish to buy it. Admitted. SELF INSURE, SELF INSURE, SELF INSURE. Otherwise only buy TERM insurance.
This company is a joke!! Not only do they refuse to refund my money. They illegally charged my bank account on 2/17/2017. They double charged for policies. The Accounting Department lied yesterday, 2/272017 in a recorded phone conversation that they talked to my bank about my refund and had the nerve to send me today, 2/28/2017, a bill saying payment is due. They are a scam. Thieves. Liars. And overall PATHETIC! Stealing from a parent thinking of a child's future.
We filled out application for Gerber life insurance. We were approved. But we didn't want them. There was no communications between them and us ever. Until today a woman called and we said we weren't interested!!! 3 hours later we had to go to bank and found out they just took 138.00 out of our account. When we just said no interest wow. Never told us anything, never asked about a date, nothing - they just as well of stolen it. We had no clue that anything or any businesses would steal money and it took them a minute to steal it and they said we have to put a request in to get your money back (what!!!). They are worse than horrible. I could sue... crazy Gerber life money grubbers!!!
It was very easy to sign up. It is extremely affordable with several payment options. Great customer service. I have definitely recommended this company to several friends and family members.
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My Grandma set it up for me when I was little and I still have it at age 25. And it is awesome and I love it. I really really recommend it because it's really good.
Gerber Life Insurance is excellent. Adds up over the years and pay little per month. Also excellent loan rates and payback as low as one dollar a month. Highly recommend.
I started this 20 yrs. ago and it is very affordable still. I also started 2, Two children. Great!! Locked them in for their future! They send offers every so often that you can increase your coverage and that of your kids too. Great product! Start your kids early for a great price!
Neal FrankleLife Insurance Contributing Editor
Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of WealthPilgrim.com, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of www.MCMHA.org.
Gerber Life Insurance is an affiliate of the Gerber baby food company, although the two are financially independent from one another. Gerber has been providing life insurance since 1967 with a focus on children and young parents. They currently sell policies throughout the U.S., Canada and Puerto Rico.
- Insurance for children: They are best known for their Gerber Life Grow-Up Plan, which provides whole life insurance coverage for children. Parents, grandparents and legal guardians may apply for this policy on behalf of children between 14 days and 14 years of age.
- College savings plan: They also offer an endowment life insurance policy, which acts like a savings plan to pay for your child's college tuition while protecting you with coverage. You do not have to use it toward college expenses.
- Web-based account management: They provide access to your account and allow you to manage your policy through Gerber Life eService from any Internet-enabled device.
- Automatic payment discounts: They give up to a 10 percent discount to policyholders who set up automatic monthly payment deductions to be taken out of their bank account.
- Accident protection: They guarantee approval for applicants to their Accident Protection Insurance offering with no physical exam or medical questions. Applicants must be between the ages of 19 and 69.
Gerber Life Insurance Company Profile
- Company Name:
- Gerber Life Insurance
- Year Founded:
- 1311 Mamaroneck Avenue, Ste 350
- White Plains
- Postal Code:
- United States
- (855) 761-3643