Best Life Insurance Companies

Gerber Life Insurance Reviews And Ratings

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Gerber Life Insurance Ratings
Overall Rating
Customer Service
Value for Price
Website & Apps
Customers who recommend 78%
AM Best Financial Strength Ratings A

Gerber Life Insurance

Customer service/Claims 1-800-704-2180
Corporate Headquarters 445 State Street
Fremont, MI 49412

Gerber Life, which was founded in 1967 by the Gerber Products Company (known for baby food), focuses on providing life insurance especially for young families on a budget.

Gerber Life is now part of Western & Southern Financial Group, a worldwide life insurance company. The company sells life insurance for people of all ages, but is best known for its Gerber Life Grow-Up Plan, a whole life policy that keeps premiums the same but automatically doubles the death benefit when the child turns 18, builds cash value, and can remain in force for life as long as any required premiums are paid. The child can also buy more coverage as an adult, with rates based on their age, regardless of their health or occupation.

Gerber Life Insurance Coverages

  • Term life insurance
  • Universal life insurance
  • Guaranteed life insurance
  • Child life insurance
  • Accident protection insurance

Best Life Insurance Companies 2021: Gerber Life Insurance

Providing budget-friendly life insurance for children and adults for more than 50 years.

How Gerber Life Insurance stacks up

Gerber Life Insurance earned a 3.0 out of 5-star overall rating in our annual review of Best Life Insurance Companies. They earned 3 and 4 out of 5-star ratings across the board in price, customer service and website & apps.

When we asked Gerber Life Insurance customers if they would recommend the company to others, 78% said yes.

How likely customers would recommend this company?

48% I would definitely recommend this company
30% I would probably recommend this company
18% Neutral
4% I would probably not recommend this company
0% I would not recommend this company

Reasons for Buying

Customers of Gerber Life Insurance originally decided to purchase from the company for these reasons:
  • 18% Offered best price
  • 18% Reputation
  • 14% Recommended by friend or family member
  • 12% Saw TV commercial
  • 12% Was the company my parents had
  • 9% Saw online ad
  • 6% Financial strength rating
  • 3% I had other insurance with this company
  • 2% The company website and mobile apps are easy to use and helpful

What kind of life insurance do you have?

Permanent, including whole life
Term
Both
Other

How much do you pay annually for your life insurance policy (per person if have more than one life policy in your household)

Less than $250
23%
$1,000 - $1,249
22%
$250 - $499
13%
$750 - $999
10%
$500 - $749
9%
$4,000 or more
5%
$2,250 - $2,499
4%
$1,500 - $1,749
2%
$1,750 - $1,999
2%
$2,500 - $2,749
2%
$3,000 - $3,249
2%
$3,250 - $3,499
2%
$1,250 - $1,499
1%
$2,000 - $2,249
1%
$2,750 - $2,999
1%
$3,500 - $3,999
1%

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 42%
  • Fairly satisfied / Fulfills my needs OK 28%
  • Average website and apps 16%
  • Very unsatisfied / digital offering is severely lacking 1%
  • Unsatisfied / website and/or apps are not fulfilling my needs 11%

How do you prefer to deal with insurer and policy?

  • In person 32%
  • Phone 35%
  • Email 15%
  • Interactive website 13%
  • Mobile App 5%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Gerber Life Insurance’s customer complaint ratio for Individual Life insurance is 1.54

In which states is Gerber Life Insurance available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

132 Reviews. 3.5 Stars out of 5
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