Gerber Life Insurance Company Review

Gerber Life Insurance Company at a Glance

Gerber Life pros: Well-established carrier with over 50 years’ worth of experience in the insurance industry. Highly rated by A.M. Best. 24/7 claims reporting via phone or online. Coverage available in all 50 states.

Gerber Life cons: Not BBB accredited. Difficult to find customer feedback. Not much information about claims process or coverage provided on official website. Official website could use a major update.

What Type of Insurance Does Gerber Life Offer?

Gerber Life is a specialized insurance company, with a focus on coverage for life insurance. Gerber Life offers the following insurance products:

Your independent insurance agent can help you find more information about the coverage offered by Gerber Life, and help you decide if this insurance company is right for you.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about Gerber Life

Gerber Life was founded in 1967, giving the carrier more than 50 years’ worth of experience in the insurance industry. The principles first set out by the insurance company focused on providing budget-friendly life insurance so children and adults can have greater financial protection. Gerber Life specializes in providing life insurance coverage paired with the expert advice of independent agents.

Today, Gerber Life still focuses on providing affordable life insurance solutions to its clients. Coverage is offered in all 50 states across the country. The insurance company's LinkedIn profile states that Gerber Life has between 501 and 1,000 employees, with 289 of them found on the social media platform. As far as financial size, A.M. Best places the carrier in the $500 million to $750 million category.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive assessments of the company’s operating performance, business profile, and annual report.

Thanks to its long history, wide reach, and financial strength, Gerber Life has earned a reputation as an excellent insurance company with a stable outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Gerber Life an “A” rating, implying the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Gerber Life can offer guaranteed, secure coverage from a economically sound carrier.

For customers not familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their insurance needs in the short term and also who will remain a strong, financially sound company in the long term.

What Discounts Does Gerber Life Offer?

Gerber Life offers one discount for you to take advantage of:

An independent insurance agent can provide better discount information and premium quotes for coverage through Gerber Life. When it comes to insurance coverage, independent insurance agents work hard to help to get you the most for your money.

Gerber Life Customer Service

Gerber Life offers phone and email claims reporting, tracking, and management for its policyholders. The carrier also provides the following customer service options:

• Phone, mail, or online payments
• Phone or online account management

The best way to ensure an effortless customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

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Gerber Life FAQ

What is Gerber Life's average claim response time frame?

Gerber Life offers claims reporting through a couple of mediums including email or phone. However, the insurance company does not provide an official claims response time frame promise. Gerber Life does encourage customers to file claims as soon as possible.

What is Gerber Life's customer service availability?

Gerber Life allows customers to file claims over the phone or by email during business hours. Their hotline for customer service inquiries does not specify business hours on their official website or social media pages. The carrier’s social media presence extends across Facebook and LinkedIn, which makes them a tad more available to customers.

What is Gerber Life's claims process?

Gerber Life offers a couple of options for claims reporting, email and by phone. However, the insurance company does not detail their claims process on their official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact Gerber Life via phone or email or get in touch with an independent insurance agent.

Does Gerber Life's Insurance create a user-friendly experience for customers?

Gerber Life’s official website makes it easy to find the life insurance options you are looking for in a policy. The carrier does not provide much information about their claims process or detail a claims response time frame. Online bill pay is available, as is 24/7 claims reporting via phone, email, or online, which are great, modern customer service features. Thus, while Gerber Life is not the worst in terms of user-friendliness, they could stand to update their practices in a couple of areas.

Gerber Life Customer Reviews

Consumeraffairs.com

“My experience with Gerber Life has always been positive, they have been quick to take care of any problem I've had and to work with me to keep my policy active if I had any financial difficulties. I would and do recommend them to anyone I know looking for a reliable life insurance company. You have a wonderful and reliable company Gerber.” —Christie of Graceville, FL

Consumeraffairs.com

“I have Gerber Life’s Grow-Up plan for my daughter, which I’ve had for 21 years, and a life insurance for myself. And the value’s great considering the cost. With the one for my daughter though, after she reached 18, we’d go from $10,000 to $20,000, and it hasn’t done that. They advertised that on TV and things that I received in the mail.” —Ellen of Philadelphia, PA

Consumeraffairs.com

"At the time I couldn't get a regular life insurance policy but I was qualified for the Gerber accident policy plan where it’s $10 a month and $100,000 in the case of death and I took that. It was nice to know at least if it was an accident I would be taken care of. So, if I lose a hand or a foot, they'll make some payment to me. I had been thinking of getting life insurance but that was the closest. I didn't want to spend a lot and the application and payment weren't too bad. It's an automatic withdrawal of $9.59 from my account and they've been very nice because if I know I'm not going to have the funds I call a week or so in advance and they change the date for me" —A. of NY, NY

Consumeraffairs.com

“I needed a policy that would pay for my funeral and the application process with Gerber Life was fairly straightforward. I understand it doesn't pay within two years, but when I get the money back, plus 10% after two years, it'll pay the $6,000. However, I hesitated because if they ever paid $6,000, I would have already given them $2,000, but it makes sense for a funeral policy.” —William of Ruther Glen, VA

Consumeraffairs.com

“I applied for my four children two months ago. Three out of the four were approved after a month and I have received four phone calls requesting a payment to get coverage started. I told them all four times that I will not make a payment until I know if the fourth child will be approved as I want to make a bulk payment for all four.” —Heather of Indianapolis, IN

TrustedChoice.com's Final Review

We award Gerber Life Insurance Company a final rating of 3.8 out of 5 stars. The insurance company has been around for over 50 years, which is significant within the insurance industry. And it seems the carrier has used this time to their advantage. Gerber Life still specializes in providing customizable life insurance coverage paired with the expert advice of independent agents.

Gerber Life has received high ratings through A.M. Best. Coverage is offered in all 50 states, and they have a few insurance options to choose from. The insurance company provides 24/7 claims reporting via email and online, plus online or phone bill pay.

There is a lot of information available about the carrier’s different coverage options on their official website; however, there is no claims response time frame promise or an outline of their claims process available. Fortunately, it is easy to say many positive things about this insurance carrier.

Therefore, our recommendation is that if you are in the market for life insurance, survey your options for trusted carriers with your independent insurance agent and look into how Gerber Life can help you out with life insurance.