Gerber Life insurance, reviewed.
Gerber Life is an A+ (Superior) rated insurer, writing coverage since 1967 and now part of Western & Southern Financial Group, best known for the Grow-Up® Plan for children. The bottom line: a financially strong, widely trusted name with a children’s plan that builds cash value and a guaranteed-acceptance option for seniors.
✓ Independent & consumer-first✓ 26 years in business✓ Every major carrier reviewed✓ Licensed in all 50 states
What it does well
Strength you can feel good about.
Gerber Life is a name families have trusted for generations — and these are the reasons it has earned that trust.
A trusted household name
The Gerber name has been on family products for generations, and Gerber Life has written coverage since 1967 — a brand most parents already recognize and feel at ease with.
A+ (Superior) financial strength
Gerber Life holds an A+ (Superior) rating from A.M. Best, affirmed in March 2025 — the kind of standing that matters when a claim is filed years from now.
The Grow-Up® Plan for children
Its signature plan builds cash value, doubles the coverage amount when the child turns 18 at no extra cost, and locks in the child’s right to buy more coverage as an adult regardless of future health.
A guaranteed-acceptance option
Gerber Life Guaranteed Life is whole life for adults roughly 50 to 80 with no medical exam — a path to coverage for those who may not qualify elsewhere.
Backed by Western & Southern
Gerber Life is a subsidiary of Western & Southern Financial Group, which licenses the Gerber name — a long-established financial parent behind the policies.
Simple to buy
From the children’s plan to senior coverage, Gerber Life keeps the application straightforward, which is part of why so many families start here.
Want Gerber Life’s number for your situation? A licensed professional will run it and compare it to the market. No obligation.
Call (888) 959-0710What they offer
Coverage for every age in the family.
Gerber Life writes plans for children, seniors, and the adults in between — here’s the shelf (per Gerber Life):
For children
Grow-Up® Plan
Whole life insurance for a child or grandchild from $5,000 to $50,000. It builds cash value, and the coverage amount doubles when the child turns 18 at no extra cost.
For seniors
Guaranteed Life
Guaranteed-acceptance whole life for adults roughly age 50 to 80, with no medical exam — coverage designed to be available to nearly everyone in that range.
For adults
Term & whole life
Coverage for parents and grandparents, including term and whole life options for the adults who hold the family together.
Is it a good fit?
Is the Grow-Up® Plan worth it?
It’s one of the most-asked questions about Gerber Life, and the honest answer is that it depends on the goal. The Grow-Up® Plan’s real value is lifelong guaranteed insurability for the child — locking in their right to be covered as an adult no matter what their health looks like later — plus slow, steady cash-value growth and a simple application.
It’s whole life insurance, not a high-yield savings vehicle, so families chasing pure investment growth usually use other tools alongside it. Think of it as the right tool for a specific goal: protecting a child’s future insurability. For that, it does exactly what it’s built to do — and a quick call helps you decide if that goal is yours.
The Grow-Up® Plan isn’t trying to be an investment — it’s buying a child the right to always be insurable. Judge it by that, and it’s a thoughtful gift.
Already have a policy?
Confirm you’re getting their best rate.
If you already hold a Gerber Life policy, a licensed professional will read it with you and check whether the same premium could buy more elsewhere. With a name this strong, often you’re in good shape — and we’ll say so plainly.
Free · no obligation · Mon-Sat · 10am-9pm
- Whether the Grow-Up® Plan or another plan fits your goal
- How the doubling at 18 and guaranteed insurability work for you
- Whether another A-rated carrier fits your profile better
- That your beneficiary is current and correct
Straight answers
Gerber Life questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01Is Gerber Life legit and good?
Yes — Gerber Life is a real insurer founded in 1967 and now a subsidiary of Western & Southern Financial Group, which licenses the Gerber name. It holds an A+ (Superior) rating from A.M. Best, affirmed in March 2025, so it stands on solid financial footing.
02What is the Grow-Up® Plan?
The Grow-Up® Plan is whole life insurance for a child or grandchild, from $5,000 to $50,000. It builds cash value over time, and the coverage amount doubles when the child turns 18 at no extra cost. It also locks in the child’s right to buy more coverage as an adult, regardless of future health.
03Is the Grow-Up® Plan worth it?
It depends on your goal. Its real value is lifelong guaranteed insurability for the child, plus slow, steady cash-value growth and a simple application. It is whole life insurance, not a high-yield savings vehicle — so families who want pure investment growth tend to use different tools alongside it. For locking in a child’s future ability to be insured, it does exactly what it’s designed to do.
04Does Gerber Life offer adult coverage?
Yes. Beyond the children’s plan, Gerber Life offers Guaranteed Life — guaranteed-acceptance whole life for adults roughly 50 to 80 with no medical exam — along with term and whole life for adults and a college plan.
05How much does Gerber Life cost?
It depends on the plan, the age and health of the insured, the coverage amount, and your state. A children’s Grow-Up® Plan and an adult Guaranteed Life policy price very differently. A quick call gives you a real figure for the plan and person you have in mind.
06How do I reach Gerber Life customer service?
Existing policyholders can reach Gerber Life through the number on their policy or at gerberlife.com. If you’d like someone to read your policy with you first, a licensed professional on our team can do that and help you contact the carrier.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Gerber Life or Western & Southern Financial Group; product names are used for identification only. Plan details come from the carrier and can change — confirm current terms with Gerber Life. Educational only, not financial advice; any coverage changes are completed through licensed insurance professionals.
See every option. Then choose.
Call and a licensed professional will compare Gerber Life against the broader market for the plan and person you have in mind — and tell you straight which gives you the most.