Gerber Life Insurance Company Life Insurance Overview
By the Policy Help Desk Editorial Team · 3 min read
Updated September 30, 2026
Gerber Life Insurance Company is a life insurance carrier. It publishes term life, whole life and guaranteed life insurance — the last designed to be issued without health questions.
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(866) 673-3495Key Takeaways
- •Guaranteed life insurance is issued without health questions or a medical exam, decided by age rather than health.
- •The policy's graded death benefit covers the first two years: a death from causes other than an accident pays 110% of earned premiums, while an accidental death in that period pays the full benefit.
- •Coverage lasts a lifetime as long as premiums are paid, and rates are locked in for life.
- •The whole life and guaranteed life lines are permanent and build cash value that accumulates over time.
Life-Insurance Options to Compare
Term life insurance
Coverage for a set number of years. It pays only if death occurs during the term and builds no cash value.
Whole life insurance
Permanent coverage with a level premium and cash value that accumulates over the life of the policy.
Guaranteed life insurance
Permanent coverage issued without health questions, for applicants who would not qualify on health.
- —No health questions or medical exam
- —Limited coverage amounts (a total limit applies across policies)
- —Graded death benefit in the first two years; an accidental death is paid in full
These are the product lines the insurance carrier publishes. This is an overview, not an offer or a policy illustration — actual terms, availability and eligibility come from the issuing company and the policy itself.
What to Consider
Guaranteed life insurance
The graded death benefit applies to the first two years: for a death from any cause other than an accident the beneficiary receives 110% of earned premiums, and an accidental death in that period pays the full death benefit. After the first two years, the full benefit applies as the policy provides, subject to the exclusions and limitations stated in the policy itself. The wording in the policy governs.
Guaranteed life insurance
Acceptance regardless of health is what the graded death benefit period makes possible, in place of health questions or an exam.
Term life insurance
Coverage lasts for the selected term; renewal or conversion options depend on the policy.
Both permanent lines
Coverage lasts a lifetime as long as premiums are paid, and rates are locked in for life. Loans against cash value carry interest and reduce the death benefit if they are not repaid.
Questions Before You Apply?
A licensed agent can walk through eligibility, timing and what a policy does and does not cover before you decide.
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(866) 673-3495Frequently Asked Questions
How is guaranteed life different from regular life insurance?
Guaranteed life is issued without health questions or a medical exam. In exchange, coverage amounts are limited and the policy has a graded death benefit period at the start — generally the first two years — when a death from other causes pays 110% of earned premiums. An accidental death in that period pays the full benefit, and after that period the full benefit applies as the policy provides, subject to the exclusions and limitations stated in it.
Is there an age range for these policies?
Yes. Each product is sold within published age ranges that vary by product and state, and the carrier confirms eligibility on the application.
Does whole life build cash value?
Yes. Cash value accumulates over time and can be borrowed against, though loans carry interest and reduce the death benefit if they are not repaid.
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(866) 673-3495Who You Are Calling
Policy Help Desk is operated by Greystone Insurance Group LLC, a licensed Florida insurance agency (License #L132255). Calls may be handled by Greystone Insurance Group LLC or by a licensed independent insurance agent who can discuss available coverage options.
The number on this page is Policy Help Desk's own contact number. Policy Help Desk is not Gerber Life Insurance Company's customer-service department. Availability of that company's products through the agent handling your inquiry depends on that agent's appointments, the product and your state.
Being included in this overview is not an endorsement of the company or its products by Policy Help Desk. Facts come from the sources listed above and were last verified September 30, 2026; they can change. Nothing here is an offer of insurance, a quote, or a statement that any applicant will qualify for coverage.