Gerber Life burial insurance review & cost
Gerber Life — best known for baby plans — also sells Guaranteed Life Insurance, a guaranteed-acceptance whole-life final expense policy for seniors. Here's how it works and when another carrier gets you more.
Gerber Life Guaranteed Life is guaranteed-acceptance whole life for ages 50-80, with coverage from $5,000 to $25,000, no medical exam and no health questions. It has a 2-year waiting period, and healthy seniors can usually get more coverage per dollar from a simplified-issue carrier.
How Gerber Life final expense works
Guaranteed acceptance
Ages 50-80, coverage $5,000-$25,000. No health questions, no medical exam — you cannot be turned down.
2-year waiting period
Die of natural causes in the first 2 years and beneficiaries get premiums paid back plus interest, not the full benefit. Accidental death is covered from day one.
Level for life
Premiums never increase, coverage never expires, and it builds a small cash value over time.
Gerber Life vs. the alternatives
A recognizable brand is reassuring, but it's not always the most coverage per dollar.
| Plan type | Health questions | Waiting period | Coverage per $ | Best for |
|---|---|---|---|---|
| Gerber Life Guaranteed Life | None | 2 years | Lower | Can’t qualify elsewhere |
| Simplified issue (e.g. Mutual of Omaha) | A few | Day one | Higher | Healthy seniors |
| Guaranteed issue (other carriers) | None | 2 years | Similar | Serious health issues |
Frequently asked questions
Is Gerber Life good for burial insurance?
What ages does Gerber Life cover?
Does Gerber Life have a waiting period?
Can I be turned down by Gerber Life?
Compare Gerber Life with other carriers
See if another A-rated carrier beats Gerber Life for your age and health — more coverage, day-one benefits. Free, no exam.
Related guides: best carriers compared · Colonial Penn · no-exam plans · cost by age
About these figures: the premiums and averages shown are estimates based on our own placed-policy data (our internal systems) — not official carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health and coverage amount, and is confirmed by the carrier at application.