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Gerber Life

Gerber Life Insurance is a separate affiliate of the Gerber Products Company, which you may be familiar with on account of its iconic baby food marketing. Gerber Life provides insurance services throughout the United States, Canada, and Puerto Rico, and services over 3.3 million policies. Gerber offers a Guaranteed Life Insurance policy intended for final expense and burial purposes. It is designed for individuals between the ages of 50 and 80, and it pays a death benefit ranging from $5,000 to $25,000. The company guarantees your acceptance regardless of medical history, and it also does not require any medical exams or lengthy health questionnaires. Gerber guarantees your death payout and your premium costs for life.

What is burial insurance?

Burial insurance, which is also called final expense insurance by most insurance companies, is a type of life insurance that pays a predetermined cash amount to a specified beneficiary after the policyholder’s death. Burial, final expense, or funeral insurance is usually much less expensive than standard life insurance. Burial insurance is usually easier to qualify for than traditional life insurance, and it also features lower monthly premiums in most cases. Burial insurance policies are intended to cover the costs of funerals and related services.

Why is burial insurance necessary?

Burial insurance is necessary if you don’t have any savings or cash set aside for funeral and various end-of-life expenses. If you lack the ability to pay for your funeral, your surviving family will have to shoulder the burden and will become responsible for any debts that your burial incurs. It’s therefore a good idea to leave them a lump-sum payment using burial or final expense insurance, which should cover most if not all of the costs for a modest funeral. Burial insurance may also be a good option if you’ve been denied access to a standard life insurance policy.

How much burial insurance is necessary?

Normal burial expenses average around $10,000 in the United States, though the exact amount may vary depending on the location and the funeral home. Most burial insurance policies are priced accordingly, though policies with much higher death benefits are available. These policies will feature higher monthly premium payments and they may also have certain qualification restrictions based on health conditions or other factors. If you plan to have a simple funeral, a $10,000 policy should be enough to cover most of your family’s expenses.

How to get started

If you are already a Gerber Life insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can contact a Gerber customer service representative via the company’s website. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – A, Stable outlook
Moody’s – Not rated
Standard & Poor – Not rated

Company contact info

Gerber Life Insurance Company
445 State Street
Fremont, MI 49412
(800) 704-2180