Ratings

Life best-life-company-ratings
Overall Rating info icon info icon
3.0 ratings
Customer Service
3.5 ratings
Value for Price
3.0 ratings
Website and Apps
4.0 ratings
% Who Would Recommend to a Friend
78%
AM Best Financial Strength Ratings info-icon info-icon May 01, 2021
A

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance 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%
life
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Customer Complaint Ratio

info icon
( Gerber Life Insurance’s customer complaint ratio for Individual Life insurance is 1.54 )
1.54
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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 to recommend?

  • 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

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%
  • Unsatisfied / website and/or apps are not fulfilling my needs 11%
  • Very unsatisfied / digital offering is severely lacking 1%

How do you prefer to deal with insurer and policy?

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

Gerber Life Insurance coverages

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

About Gerber Life Insurance

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.

Contact information

Corporate Headquarters

445 State Street

Fremont, MI 49412

Customer service/Claims:  1-800-704-2180

In which states is Gerber Life Insurance life insurance available?

States in which Gerber Life Insurance life insurance available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

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