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Gerber Life Insurance Life Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Product
life-icon Life
info iconOverall
84.61 out of 100
Productinfo icon
HOW WE WEIGH OUR SCORE
Overall
Customer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friendinfo-icon
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.

AM Best Financial Strength Ratings

October 31, 2019

life-icon Life 84.61 out of 100 Customer Service 85.20 Value for
Price
84.60
Website and Apps 81.30 % Who Would Recommend to a Friend 82% A
info icon
AM Best Financial Strength RatingsOctober 31, 2019
A
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Reasons for Buying from Gerber Life Insurance

Customers of Gerber Life Insurance originally decided to purchase from the company for these reasons:
Recommended by friend or family member18%
Offered best price16%
Reputation13%
Saw TV commercial12%
Saw online ad11%
Was the company my parents had10%
Financial Strength rating8%
Other7%
I had other insurance with this company3%
The company website and mobile apps are easy to use and helpful2%

How likely are you to recommend this company to a friend, coworker or family member?

I probably would recommend this company. 43%
I would definitely recommend this company. 39%
Neutral 14%
I probably would not recommend this company. 3%
I would not recommend this company. 1%

What kind of insurance do you have?

Permanent, including whole life 47%
Term 42%
Both 9%
Other 2%

How much do you pay annually for your life insurance policy

Less than $250
25%
$250 - $499
13%
$1,000 - $1,249
12%
$500-$749
11%
$1,250 - $1,499
9%
$1,500 - $1,749
8%
$750-$999
8%
$1,750-$1,999
4%
$2,000 - $2,249
4%
$2,250 - $2,499
2%
$2,750-$2,999
2%
$2,500-$2,749
1%
$3,500-$3,999
1%
$3,000-$3,249
0%
$3,250 - $3,499
0%
$4,000 or more
0%

Website and Apps

How easy to use and how helpful they are
50%
Satisfied - Fulfills my needs okay
27%
Completely satisfied - Gives me what I want and more
11%
Neutral - No good or bad feelings on this
8%
Never visited or used website or mobile app
2%
Not Satisfied - Is not a good website or app
2%
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

43%
Phone
26%
Interactive website
17%
In person
9%
Mobile App
5%
Email
User Review
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About Gerber Life insurance

Life insurance policies offered

  • Term Life
  • Whole Life
  • Guaranteed Life
  • Children’s Life (Gerber Life Grow-Up Plan)
  • College Plan

Other offerings

  • Accident prevention

Best Life Insurance Companies 2020: How Gerber Life Insurance Measures Up

Gerber Life insurance claimed 10th spot overall and a score of 84.61 in the 2020 Best Life Insurance Company survey. Gerber Life’s highest showing was in customer service, ranking 9th. Gerber came in 10th for value for price and 12th ease of use of websites and app. A high amount of respondents, 82%, said they would recommend Gerber Life.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Gerber Life's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For life insurance, Gerber Life (NAIC# 70939) had a complaint ratio of 0.54 for individual life for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Not just for children

Gerber Life is known for image of a baby and child life insurance policies, but it offers policies for adults as well.  The company’s mission is to provide financial security and protection for parents by offering affordable life insurance policies to all family members – from the youngest to oldest.  Gerber Life Insurance offers life insurance throughout the U.S., Puerto Rico and Canada.

Contact information

Corporate Headquarters

445 State Street

Fremont, MI 49412

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