Gerber Life Guaranteed Issue Insurance Plan

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Gerber Life Final Expense Agent Contracting

The Gerber Life Guaranteed Life Insurance Plan provides guaranteed whole life insurance and the peace of mind that you've planned ahead to ease the burden of final expenses.


Gerber Guaranteed Life Insurance Questions & Answers

What kind of insurance is Gerber Life Guaranteed Life insurance?
The Gerber Life Guaranteed Life Insurance is whole life insurance for adults between 50 and 80 years old.


What is whole life insurance?
Whole life insurance is an easy way to protect your family for the length of time you want the protection, at a rate and benefit amount you select. Unlike term life insurance, there is no specific time period associated with whole life insurance. You could own the policy for a few years or for the rest of your life, as long as you pay the premiums. Whole life insurance also builds "cash value." Cash value is money that is set aside by Gerber Life for your policy, that can be accessed if needed. The longer you hold the whole life policy, the more cash value you have in your policy.


What are the coverage amounts?
Gerber Life offers a wide range of Guaranteed Life coverage amounts that start at $5,000 and reach as high as $20,000. Our friendly professionals can help you determine the coverage that best suits you and your family.


Will my payments go up each year?
Absolutely not. With Gerber Life, the amount you pay when your Guaranteed Life coverage starts is the same amount that you'll pay throughout the life of your policy (unless you decide to increase your coverage or the frequency of your payments).


Is a medical exam required?
No medical exam is necessary for the Gerber Life Guaranteed Life Insurance. The only condition for becoming a Guaranteed Life policy owner is that you are between 50 and 80 years old. Your acceptance - regardless of your health - is guaranteed.


Can Gerber Life cancel my policy?
No. Once coverage begins, and for as long as premiums are paid, Gerber Life cannot cancel your Guaranteed Life insurance. Only you have the option to cancel the coverage.


Doesn't Social Security help pay for my final expenses?
If you qualify, Social Security will pay $255 toward your final expenses. Considering the average cost of a funeral starts at about $6,500 and can run well over $10,000 Gerber Life Guaranteed Life insurance can be a smart choice to help offset those high costs.


Are the Gerber Life Guaranteed Life insurance benefits tax-free?
Yes. Under current Federal law, the benefits are not subject to Federal tax if paid to a named beneficiary.


What if I change my mind after receiving my policy?
The Gerber Life "free look" feature gives you 30 days to examine and accept your Guaranteed Life whole life policy. If you decide that you no longer want the safety and coverage that it offers, simply return the policy for a full refund of all premiums that have been paid.


If you have additional questions after reading our Gerber Guaranteed Life Insurance Questions & Answers, please call your agent for more information.

Product Overviews:

If your family had more than enough money to completely cover your funeral and other final expenses, would you feel more peace of mind? Of course you would, because you love your family and want only what's best for them. You'd never want them to be financially burdened if you passed away.


The reality, however, is that many grieving families don't have enough money to cover their loved one's funeral costs or remaining bills.


It doesn't have to be that way.


Here's how:

  • You can't be turned down for a Guaranteed Life Insurance Plan.

    The only requirement for obtaining a Gerber Life Guaranteed Life Whole Life Policy with $5,000 to $20,000 in guaranteed coverage is that you are between 50 and 80 years old. That's it! There are no medical exams, no health questions, no waiting for test results.

  • Your acceptance - regardless of your health - is guaranteed!

    Your spouse, if aged 50 to 80, is also eligible for up to $20,000 in guaranteed protection with the Gerber Life Guaranteed Life Insurance Plan.

  • Your policy builds cash value.

    The Guaranteed Life Insurance Plan is whole life insurance that provides guaranteed coverage, as long as premiums are paid. It also has cash value. Cash value is money that Gerber Life sets aside for your future. The longer you hold the policy, the more money accumulates in your policy.

  • You'll be partnering with a company you can trust.

    Gerber Life has a long history of being there when our customers need us most. We have an "A" (Excellent) rating, most recently in June 2012, from an impartial reporting firm that rates insurance companies on financial stability, management skill and integrity. This is the third highest rating awarded out of 13 possible categories. Their rating refers only to the overall financial status of the Company and is not a recommendation of the specific policy provisions, rates or practices of the Company.


For nearly 80 years, Gerber has been a name that stands for family care. You can have confidence in our name and in our coverage.