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. Applying for Your Child’s Life Insurance Plan

    Dad Applying for Baby Life InsuranceHow to apply for the Gerber Life Grow-Up® Plan in three easy steps.

    The Gerber Life Grow-Up® Plan1 is whole life insurance for your child. You can buy coverage from $5,000 to $50,000 at budget-friendly rates based on your child’s age.

  2. Life Insurance for my Parents: What Does Gerber Life Offer?

    Daughter Taking Care of MomParents worry about their children. It’s a universal fact of life. In turn, children worry about their parents. Adult children often fret over their parents’ financial situation, especially in a shaky economy.

    One area of concern is life insurance protection. For example, when one parent passes away, will there be enough money for the surviving parent to live on? Whether your mom or dad passes away first, the surviving spouse may face financial challenges.

    Gerber Life offers three life insurance options that you may want to suggest to your parents, so that all of you can have peace of mind. Here are the highlights of each:

  3. How Does Age Affect the Cost of Life Insurance?

    Family on Front PorchLife insurance rates are determined by such factors as health, length of term and coverage amount. However, an applicant’s age has the biggest influence on the annual premium he or she will pay. Insurance rates go up as a person ages, making coverage more affordable for healthy individuals under age 50 than for older adults nearing or in retirement.

  4. What is the Gerber Life Grow-Up® Plan?

    Mother and Son PlayingOne of the joys of being a child is living “in the moment,” and one of the joys of parenting is watching their kids enjoy life’s moments. Parents also know that keeping an eye on the future and giving their kids a financial head start also comes with the job.

    The Gerber Life Grow-Up® Plan1 is one way to accomplish that goal. Here’s a look why:

  5. What determines life insurance rates?

    Senior Couple Bike RidingLife insurance rates are not “one-size-fits-all.” According to the New York Department of Financial Services, an assortment of factors can affect how much money will be paid for coverage. For example, a $500,000, 30-year Term Life policy could cost much less for a healthy, non-smoking 20-year-old than the same policy would cost for a 50-year-old smoker or someone who participates in high-risk sports.