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Gerber Life Insurance Review

Moderately sized life insurance policies for children, adults, and seniors ​
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Reviews Report

  • Reviews.com rates Gerber life insurance a 3.5 out of 5 based on riders, coverage, customer satisfaction, and more. 
  • Gerber Life Insurance offers protection for children, young adults, adults, and seniors
  • Gerber Life Insurance Company awarded an excellent “A” rating from AM Best

Consumers shopping for life insurance want to know their family is protected by a company they can trust. A familiar household name for over 50 years, Gerber Life Insurance Company provides both term and permanent life insurance policies for children, adults, and seniors.

Gerber Life Insurance reviews vary by state with some National Association of Insurance Commissioners (NAIC) complaints. However, with a positive financial score, a convenient user-interface and suitable coverage options for children, a Gerber Life insurance policy may be a great choice for families.

Gerber Life Insurance Overview

Reviews.com Score:
In business since:
AM Best: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
J.D. Power: J.D. Power scores are based on surveys for customer satisfaction and product quality.

Recently awarded an A rating by AM Best and located on Forbes list of America’s Best Insurance Firms in 2021, Gerber Life Insurance is considered a reliable name with over 50 years in the industry and over $59 billion in life insurance policies in force as of December 2020.

As a member of Western & Southern Financial Group Inc., Gerber Life offers flexible policy options perfect for a growing family, particularly ones with young children. Gerber Life offers coverage that can expand as children become adults and even offers a college savings plan.


  • Positive rating from AM Best Awarded an “A” (Excellent) rating by AM Best in December 2020.
  • Convenient online policy management portal Easily manage your policy and pay your premiums through their online eService platform.
  • Easily receive a free quote Consumers can easily receive a free quote online or by calling Gerber Life directly.
  • Large selection of policies available Choose from a variety of plans and coverage types for children, adults, and seniors.


  • No Universal policy options available Unlike some of its competitors, Gerber Life does not offer universal life policies.
  • Mixed customer service reviews available Gerber Life was not listed on J.D. Power’s life insurance review for satisfactory customer service.
  • Claims cannot be filed online To file a claim, consumers must call a dedicated claims phone number and request a claim form.
  • Product availability varies by state Per Gerber Life Insurance’s disclosures, not all Gerber Life products are available in all states.

Gerber Life Insurance Highlights

Coverage & Riders
Customer Experience
Before You Buy

Gerber Life offers a variety of riders. A Waiver of Premium rider can be added to whole life insurance policies may be available on other policy types depending on the death benefit amount and a consumer’s age at time of purchase. The rider will waive the cost of premiums and keep a policy in force in the event a named insured becomes totally disabled.

Gerber Life also offers child riders on term life policies. Once the term is over, the coverage through the child rider also ends so some consumers may find more value in a whole life policy for their children.

Guaranteed Purchase Option riders are also available through the Gerber Life Grow-Up® Plan and gives a child several opportunities to buy additional coverage throughout their adulthood at a standard adult premium rate with no medical exam required.

Despite a positive financial rating from AM Best, Gerber Life was not part of the 2020 J.D. Power study of customer satisfaction among life insurance companies. NAIC shows that Gerber Life had a higher-than expected complaint index for individual life policies in 2018 at 1.37 and 2019 at 1.54 with complaints coming out of several different states. The complaint index was lower in 2020 at only 0.89 with 7 total complaints.

Gerber Life Insurance offers several policies that do not require any prior medical exam including both term and whole life policies. Medical exams may be required based on answers to basic health questions, especially if applicants have pre-existing conditions. Medical exams may also be required for applications of over $100,000 in coverage or for adults 51 and older.

Gerber Life Insurance Policies

Gerber Life Insurance vs. The Competition 

ProviderReviews.com ScoreJ.D. Power*AM BestAvailable Policies
Gerber3.5N/AATerm life insurance
Whole life insurance
Guaranteed life insurance
Accident protection insurance
Whole life policies for children
College savings plans
Globe4.6810A++Term life insurance
Whole life insurance
Final expense insurance
Accidental death insurance
Mortgage protection insurance
Cancer insurance
ICU insurance
Hospital insurance
Coverage for children
Protective Life4.2754A+Term life insurance
Whole life insurance
Universal life insurance
Retirement policies
New York Life4.2802A++Term life insurance
Whole life insurance
Universal life insurance
Variable universal life insurance
Long-term care policies
Retirement policies

Information accurate as of April 2021

*J.D. Power’s 2020 Life Insurance Satisfaction Study. Based on a 1,000-point scale.

Gerber Life Insurance vs. Globe Life Insurance

Globe Life Insurance has an A++ rating and is among the top of customer satisfaction according to J.D. Power. While Globe Life offers standard term and whole life policies, they also offer policies that provide coverage for financial expenses arising from a variety of health issues including cancer and critical illness. Gerber Life may offer better options to consumers who are specifically looking for life insurance coverage for families.

Gerber Life Insurance vs. Protective Life Insurance

Unlike Gerber Life, Protective Life Insurance offers universal life insurance coverage for consumers looking for tax-deferred cash value growth and flexible options. Protective also offers much higher coverage amounts for term policies. However, Gerber is a better option for families who want more options for coverage for their children. While Gerber was not on the J.D. Power customer satisfaction list, Protective Life rated below the industry average.

Gerber Life Insurance vs. New York Life Insurance

New York Life Insurance is another company with a high customer satisfaction rating and has been an industry leader for 175 years. New York Life may be a better option for consumers who want to sit down with a professional to speak in-depth about their unique financial needs, including retirement and investment options. Gerber Life may be a better option for consumers who are more focused on ensuring basic financial protection for loved ones.

Gerber Life Insurance FAQ


We evaluated Gerber Life insurance based on riders, coverage, resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best life insurance reviews. To compare life insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

  • Number of Riders: The more riders a life insurance company has, the higher it scores in our Reviews.com methodology.
  • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each life insurance company’s financial stability.
  • Customer Satisfaction: With J.D. Power’s 2020 Life Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
  • Coverage: Life insurance companies scored higher if customers can convert term to whole and if they offered multiple options under different types of life insurance policies
  • Resources: Reviews.com compared website functionality for life insurance companies based on ability to receive online quotes, submit online claims, and read information on different policies available.

About the Authors

Jessie See

Jessie See Contributing Writer

Jessie has been writing professionally for over a decade with experience in a variety of different topics and industries. She currently resides in the beautiful Outer Banks where she works as a freelance writer and marketing professional full-time. With a bachelor’s degree in history, she is extremely passionate about studying the local culture and teaching others about the history of the area.

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