Insurance for Families

Things to consider when choosing life insurance

The many options available for family life insurance can create a need for someone to help you understand the different choices and terminology. Gerber Life takes the guesswork out of family life insurance with articles that answer such questions as, "How does life insurance work?" and "How do I get life insurance?" Whether you're looking for a policy for an infant, child, adult or senior, we've got you covered when it comes to comprehensive information about life insurance.

  1. The Pros and Cons of Term Life and Whole Life Insurance

    Mother Giving Children Piggyback RideAs a parent or grandparent, choosing the right kind of insurance for your family’s needs is an important part of preparing for the future. There’s a feeling of security in knowing that you have enough coverage to provide your beneficiaries with adequate benefits.

    Two common kinds of life insurance – term life and whole life – have advantages and disadvantages. Read on to gain insight into how each kind works.

  2. Understanding Return of Premium Life Insurance

    Family Researching InsuranceReturn of Premium Life Insurance is a combination of Term Life and Whole Life insurance. It’s similar to a Term Life policy in that you pay for coverage for a pre-selected number of years (referred to as a “term”). However, if you outlive the term of the policy, every cent you paid into the policy will be returned to you – guaranteed. The premiums are higher for life insurance with return of premium than for Term Life policies, and you can minimize your monthly premium by choosing a longer period of coverage.

  3. Will a Down Economy Affect My Child’s Grow-Up® Plan?

    Broken Piggy BankYou hear it in the news every day – the U.S. economy has yet to fully rebound from the “Great Recession” of 2008-2009. Although every family’s situation is different, many people are still dealing with the leaner and meaner economic realities of post-recession years.

    The employment market remains tight and families feel the pressure of keeping up with the expenses of day-to-day-living. Yet family budgets need to address not only today’s demands, but also financial goals for the future.

  4. Five Misconceptions About Life Insurance

    Life Insurance AgentLife insurance may sometimes seem complicated and confusing, given the many different providers, policies and coverages. It’s important to thoroughly research your options before making a choice, but – if you do your research online – it’s also important to consider the source of the information.

    To help you separate fact from fiction, let’s dissect some common misconceptions:

  5. Why Would I Choose the Grow-Up® Plan?

    Toddler Taking First StepsAdults buy life insurance to protect loved ones who depend on them for support. But what about young children and babies? No one depends on their support, so do they need life insurance?

    Getting life insurance for your children while they are still infants can be a smart idea and a forward-thinking decision. With the Gerber Life Grow-Up® Plan1, the coverage you buy now can help ensure that your youngster has the opportunity to stay protected years into the future. You can start Grow-Up® coverage for children as young as 14 days old, and you can lock in a low childhood premium rate that your child could keep for life.