Choice Mutual Rating

Choice Mutual’s ratings are determined by our editorial team. The scoring formula considers consumer experience, policy cost, underwriting criteria, the insurer’s financial strength ratings, and complaint data.

Gerber life burial insurance is a guaranteed acceptance whole life policy for seniors.

They will not decline you due to pre-existing conditions.

Gerber has a good burial insurance program, but other companies offer lower prices.

Learn how their coverage works, the cost, pros & cons, policy limitations, and if their plan is worth buying.


How Does Gerber Life Guaranteed Issue Final Expense Insurance Work?

Gerber Life final expense insurance is guaranteed issue life insurance because there are no health questions or medical exams.

You are guaranteed approval.

Like all guaranteed life policies, there is a two-year waiting period.

If you die within the first 24 months of the policy, Gerber Life will only refund 110% of your premiums.

After 24 months, the full death benefit is payable for any reason.

Death from an accident is the only exception to the waiting period. If you die from an accident in the first two years, Gerber will still pay out the full face amount of the policy.

Assuming you live beyond the waiting period, Gerber Life will pay out the death benefit as a tax-free check to your loved ones.

They can spend the money on anything-not, just funeral expenses.

Also, if any money is left over, they get to keep it.


Gerber Life Guaranteed Issue Insurance Details
Policy TypeWhole Life Insurance
Policy DurationLifetime
Fixed PremiumsYes
Builds Cash ValueYes
State AvailabilityAll States
New Applicant Age Range50-80
Coverage Options$5,000-$25,000
Free Built In RidersNone
Optional RidersNone
Where to ApplyAgencies licensed to sell Gerber Life products or via Gerber Life Direct.
Phone Number to Apply1-800-644-2926
Health QuestionsNo
Medical Exam RequiredNo
Guaranteed AcceptanceYes
2-Year Waiting PeriodYes
Application Approval Time2-5 Minutes
BrochureGerber Life Final Expense Brochure
Sample ApplicationGerber Life Final Expense Application
Sample PolicyGerber Life Final Expense Sample Policy


Cost Of Gerber Guaranteed Acceptance Burial Insurance

Typically, the cost of final expense insurance is, in part, based on your health.

However, since Gerber Life funeral insurance does not ask about your medical history, the cost is determined only by your age, gender, state, and how much coverage you want.

Below are some sample monthly quotes.


50F: $17.69
M: $22.50
F: $34.47
M: $44.09
F: $51.24
M: $65.68
F: $68.02
M: $87.27
55F: $22.60
M: $29.43
F: $44.28
M: $57.93
F: $65.95
M: $86.44
F: $87.63
M: $114.95
60F: $25.99
M: $32.40
F: $51.06
M: $63.89
F: $76.13
M: $95.38
F: $101.20
M: $126.87
65F: $31.76
M: $43.04
F: $62.61
M: $85.16
F: $93.45
M: $127.28
F: $124.30
M: $169.40
70F: $38.23
M: $50.05
F: $75.53
M: $99.18
F: $112.84
M: $148.32
F: $150.15
M: $148.32
75F: $54.54
M: $70.22
F: $108.17
M: $139.52
F: $161.79
M: $208.82
F: $215.42
M: $278.12
80F: $88.64
M: $124.12
F: $176.37
M: $247.32
F: $264.09
M: $370.52
F: $351.82
M: $493.72


Pros & Cons Of Gerber Life Final Expense Life Insurance

The Good
  • You don’t have to answer health questions or take a medical exam
  • Approval is guaranteed
  • Competitively priced product relative to other providers
  • Available in all states
  • You can buy entirely online, from an agent, or via phone or mail
  • People with “uninsurable conditions” can obtain a new policy
  • An A (Excellent) rating with A.M. Best
  • Well known trusted company
  • Lifetime coverage with locked-in prices
  • You can make payments electronically via ACH or credit cards (CCs cost more)
The Bad
  • Even healthy applicants will have a waiting period
  • Other guaranteed acceptance companies offer lower prices
  • No coverage options above the age of 80
  • Lower coverage maximum relative to other burial insurance companies
  • Typically, most seniors can qualify for a final expense policy that has underwriting


Is Gerber Life Burial Insurance Worth Buying?

First, most seniors who need insurance to cover funeral costs don’t need to resort to a guaranteed issue policy like Gerber Life’s or AIG.

Most applicants can qualify for a plan that asks questions about health.

That generally leads to a policy with no waiting period and a lower price.

Be sure to compare five to ten different funeral insurance companies. Doing so will all but ensure you find the best policy. Remember, they all have different underwriting, limitations, and cost.

Now, if you have very dire health issues such as AIDS, dementia, or renal failure, then yes, Gerber Life final expense insurance is a great option.

It’s beneficial to speak with an independent agency like Choice Mutual that can assess your health and determine all your options.

Independent brokers partner with multiple insurers to ensure that they can find each client the best deal possible.

Generally, purchasing from non-independent companies like Lincoln Heritage, Colonial Penn, or Globe Life is not advisable.

Those companies can’t compare policies from other insurers. All they can offer you is their coverage, which may not be your best option.

The table below outlines many typical health issues where Gerber would be a great choice.


Common conditions where Gerber is a great choice:

Congestive heart failure
Cancer within last 12 months
Oxygen usage
Wheelchair usage


Gerber Life Company Background

Gerber Life was started in 1967, long after they first began selling baby food.

Gerber is owned by Western & Southern Financial Group Inc.

They sell whole life insurance, term life, final expense insurance for seniors, accidental death, life insurance for children, and college savings plans.

They currently have an A (Excellent) rating with A.M. Best.

  • Website:
  • Phone: 1-800-704-2180
  • Address: Gerber Life Insurance Co. 445 State Street Fremont, MI 49412


The Bottom Line

2.5/5 rating
Gerber Life earned 2.5 stars out of 5 for overall performance. Choice Mutual’s ratings are determined by our editorial team. The scoring formula considers consumer experience, complaint data from the National Association of Insurance Commissioners, and financial strength ratings.

Learn about our rating methodology.

Policy rates relative to other carriers
Financial Strength
Credit ratings from A.M. Best
Customer Reviews
Consumer feedback from third-party websites like Facebook, Yelp, and Trustpilot
NAIC Complaint Ratio
Up-to-date complaint score from the National Association of Insurance Commissioners
Advertising Practices
Accuracy and trustworthiness of marketing
Available Products
Number of policy types, including no-exam options

Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that are known to provide accurate information. You can learn more about our editorial standards, which guides our mission of delivering factual and impartial content.

  1. Gerber Life.
  2. Western & Southern Financial Group Inc.
  3. A.M. Best.