Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. Applicants must be between the ages of 19 and 69.ĬonsumerAffairs is not a government agency. They guarantee approval for applicants to their Accident Protection Insurance offering with no physical exam or medical questions. 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. ![]() They provide access to your account and allow you to manage your policy through Gerber Life eService from any Internet-enabled device. You do not have to use it toward college expenses. 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. Parents, grandparents and legal guardians may apply for this policy on behalf of children between 14 days and 14 years of age. They are best known for their Gerber Life Grow-Up Plan, which provides whole life insurance coverage for children. They currently sell policies throughout the U.S., Canada and Puerto Rico. Gerber has been providing life insurance since 1967 with a focus on children and young parents. Gerber Life Insurance is an affiliate of the Gerber baby food company, although the two are financially independent from one another. Based on other reviews, I'm not optimistic. Even when I sign up over the phone, and their rep tells me they've signed me up for paperless, they just keep coming in the mail.Ĭonsidering the website is barely functional, the payment practices are extremely questionable, and the company can't seem to figure out something so simple as paperless billing, I have serious concerns about how my and my children's information is secured, and what I can expect if tragedy leads to me needing to submit a policy claim. ![]() This time, I select paperless, open the new email to confirm, click the link, and their website opens to an error message It can't complete the process. I'll log in, and it will show I'm signed up for paper billing. Usually it tells me I've successfully completed the process, but the letters just keep coming in the mail. While in the system today, as I always do, I tried again to sign up for paperless billing. And just over a year the time before that. I think the last time this happened was about 6 months ago. There's no set time for when it will run, and it doesn't fail on any schedule. I'm not entering anything new, just again setting up auto-pay. I went into the system today, clicked to pay my past due balance, and the payment information on file is still good. Then anywhere from a few months to a couple of years, and auto-pay stops again. So I go through the process again, entering the same payment information. However, coverage may be dependent on whether you are a smoker or have certain health conditions.Auto-pay works for a while, then I'll get a letter telling me they've auto-opened a loan to cover my premiums because of missed payments. ![]() Unlike some companies, Gerber Life does not require a medical exam for most individuals. Gerber Life offers the following insurance products: Furthermore, you can apply for term life insurance online and get a decision in just a few minutes. On the company's website, all of its policies are described in great detail. Gerber Life offers life insurance for children, young adults, college students, adults and seniors, making it a flexible provider for most individuals. The National Association of Insurance Commissioners (NAIC) reports that Gerber Life has a complaint index of 1.11, which is slightly higher than the industry average. However, availability may be limited depending on where you live. The company insures individuals in all 50 states, as well as in Washington, D.C. ![]() The Gerber Life Insurance Company was established in 1967.
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