Guaranteed Life Insurance from Gerber Life is a whole life insurance policy for adults ages 50 and above that does not require a medical exam or ask health questions – your acceptance is guaranteed regardless of health.¹ Plus our Guaranteed Life Insurance builds cash value over time that you can borrow from if you need help with unexpected expenses.* Or if you decide to cancel your policy for any reason, you would receive the available cash value. By comparison, term life insurance policies typically don’t build cash value.

*Policy loan interest rate is 8%. Loans may impact cash value and death benefit.

Guaranteed acceptance insurance is life insurance that does not require a medical exam or health questions in order to be approved for coverage. Those who may not qualify for other types of life insurance due to a health concern could still get life insurance protection with a guaranteed acceptance policy. It’s a smart option for those wanting to stay one step ahead of costly final expenses. It gives your family one less thing to worry about during an especially trying time — when financial challenges should be the last thing on their minds. You can secure a small amount of coverage to cover the basics, or a larger amount to take care of greater expenses your family may face down the road.

Gerber Life Guaranteed Life Insurance offers coverage amounts ranging from $5,000 to $25,000.²

No, with Gerber Life’s Guaranteed Life Insurance, the amount you pay when coverage begins is the same amount you’ll pay throughout the duration of your policy. The only time your premiums may change is if you decide to increase coverage or the frequency of your payments.

When you buy a Guaranteed Life Insurance policy, you’re helping to protect your loved ones from the burden of costly final expenses. It’s a financial safety net that you’ll always have, as long as premiums are paid. And since your premiums will never go up, your payments will always be stable. That predictability can have great value as you budget for the years ahead. Remember that you can also borrow from the cash value of your policy (policy loan interest rate is 8% and loans may impact cash value and death benefit), giving you an extra financial tool for unplanned expenses. 

When it comes to choosing life insurance to help cover final expenses, it’s important to look at the company behind the policy to make sure it’s going to stand by it. Gerber Life Insurance has been protecting families like yours since 1967. We have an “A” (excellent) rating from the highly regarded independent reporting firm, A.M. Best. 

The Graded Death Benefit of a policy is a period of time when the death benefit paid is restricted If death occurs from natural causes (not accidental) during your policy’s first two years.

With the Gerber Life’s Guaranteed Life policy, if death occurs in the first two years your beneficiary will receive 110% of earned premiums.  After the two year period ends, the full benefit amount of your policy is paid.

You may be shopping for yourself or perhaps you’re helping a loved one explore life insurance options. Credit card debt, medical bills and funeral costs can be very costly. Guaranteed Life Insurance from Gerber Life can be a smart choice to help your family cover the cost of your final expenses. Gerber Life’s Guaranteed Life Insurance policy is designed to be easy to understand, and easy to buy. You can apply online (or by phone) in minutes for coverage that can last a lifetime once approved. Your family shouldn’t have to take on the burden of credit card debt, medical bills or funeral costs. That’s why Gerber Life is here to give you greater peace of mind about your family’s future. 

You may be familiar with life insurance policies that don't require a medical exam, and that's exactly how the Gerber Life Guaranteed Life Insurance policy works. If you are 50+ years old, your acceptance is guaranteed regardless of health¹. Our application is easy and can be completed entirely online for your convenience. And if you have any questions along the way, our dedicated customer service representatives are happy to help: 866-503-4481.