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This policy is best suited for:
Seniors or individuals with health concerns who may struggle to qualify for traditional life insurance.
Individuals looking for final expense coverage, such as funeral and medical bills.
People who want lifelong coverage with fixed premiums that won’t increase as they age as long as premiums are paid.
Those who don’t want to go through a medical exam or answer health questions.
One of the most appealing aspects of Gerber Life’s Guaranteed Life Plan is its hassle-free approval process. There are no medical exams or health questions required, making it a great option for individuals who may have pre-existing health conditions.
Unlike some policies that increase in cost over time, Gerber Life locks in your premium at the time of purchase, ensuring that it remains the same for the rest of your life. As long as payments are made, the policy never expires.
* Your premium will be determined based on both the completion of the application process and the method of payment selected
The policy includes a cash value component, meaning a portion of your premium accumulates over time. This can be borrowed against if needed.
With a maximum payout of $25,000, this plan is typically used to cover:
Funeral and burial costs
Outstanding medical bills
Remaining debts or financial obligations
Like most guaranteed issue life insurance policies, Gerber Life imposes a two-year waiting period before non-accidental death benefits are paid out.
If the policyholder dies within the first two years due to natural causes, Gerber Life refunds the premiums paid, plus interest.
If death is accidental, the full benefit is paid immediately.
Applying for Gerber Life’s Guaranteed Life Insurance is quick and straightforward:
Visit the Gerber Life website or call their customer service.
Choose your desired coverage amount ($5,000 - $25,000).
Provide basic personal information (age, gender, state of residence).
Receive an instant decision – No medical exam or health questions.
Start coverage by making the first premium payment.
Once the policy is issued, it remains in effect for life, as long as premiums are paid.
Gerber Life Insurance Company has a strong financial rating:
A+ (Superior) rating from A.M. Best, indicating excellent financial strength
Backed by Western & Southern Financial Group, ensuring long-term stability
Gerber Life is a well-established company, making it a trusted choice for guaranteed life insurance.
Gerber Life provides multiple ways to manage policies and get assistance:
Website: Easy-to-navigate with an online quote tool
Phone Support: Available Monday – Friday, 8 a.m. – 7 p.m. EST
Email Support: Customer inquiries handled via online contact form
While the website is user-friendly, Gerber Life does not offer an online claims submission option. Policyholders must call or mail their claim paperwork.
Gerber Life’s Guaranteed Life Insurance Plan is an accessible and reliable option for seniors and those with health concerns who need coverage without medical exams. While coverage amounts are limited (max $25,000), it offers peace of mind by covering final expenses, funeral costs, and small debts.
If you're looking for a simple, no-hassle life insurance policy with fixed premiums and guaranteed approval regardless of health, Gerber Life is a strong choice.
Phone: 1-800-704-2180
Website: www.gerberlife.com
Address: Gerber Life Insurance, White Plains, NY 10605, USA
This content was created using AI and verified by human expertise. Insurance details are subject to change, and readers should visit Gerber Life’s official website for the most up-to-date information.
Would you like to compare this plan with similar policies from other providers? Check out our comparison chart to find the best guaranteed issue life insurance for your needs.
