This 2021 Gerber Grow Up Plan Review Has All The Answers & Honest Advice You’re Looking For

Wondering if the Gerber grow up plan is your best child life insurance option?

The truth is, they are good, but they aren’t the best (we’ll explain why).

In this grow up plan review, we’ll explain the fine print of their policy, show you their prices compared to other companies and reveal which company truly has the best policy for a child or grandchild.

What’s Covered In This Article


What Is The Gerber Grow-Up Plan?

The Gerber Grow Up Plan is small whole life insurance for children ages 0-14. Coverage ranges from $5,000-$50,000, premiums never increase, coverage never decreases, and the policy lasts forever.

The coverage automatically doubles at age 18 with no premium increase. In addition, the policy builds up a savings account called cash value.


Additional policy details

The grow up plan is available in all 50 states. The prices are unisex except for CA and FL.

The insured children will not have to take an exam to qualify.

Also, grandparents can buy grandchild life insurance from Gerber without permission from the children’s parents

Since the policy is still life insurance, it will merely pay out a tax-free cash benefit to the beneficiary(s).

There are no restrictions how the money is used. It can be used for anything.

The Gerber baby grow up plan also allows the insured children to purchase more coverage later in life without having to show evidence of insurability.

They can do so at ages 21, 25, 30, 35, 40, when they get married or has a child. If they do, the coverage will be priced based on their age when they buy more coverage.

The policy also comes with a payment protection rider at no extra cost.

It stipulates that the payments will be waived until the child is 21 if the policy owner should die or become totally disabled.

Essentially, the Gerber life whole life plan works almost the same exact way as other child life policies do from other carriers.

The only real difference is the price (which Gerber is on the high side).


Gerber Life Grow Up Plan Cost Comparison

Below is a table that shows you Gerber life grow up plan rates compared to what Mutual of Omaha charges for their infant life insurance.

We’re using Mutual of Omaha’s rates because hands down they offer the best children’s whole life insurance on the market.

As you can see, Mutual of Omaha’s child coverage prices are significantly lower.

Boys and girls pay the same rate | Rates don’t change | Coverage never expires

Mutual of Omaha
Mutual of Omaha


Their Coverage Doubles At 18. How Does That Work?

No Gerber grow up plan review would be complete if we didn’t touch on how their coverage doubles in value at age 18.

Here’s how it works…

Basically, however much coverage you buy will double once the insured children reach at 18.

If you have $10,000 in coverage to start, it will become $20,000 once the child becomes 18.

Your monthly price will stay the same even when the coverage doubles.

It’s that simple.

Sounds amazing right?

Well not so fast…

While it’s good they double the coverage at 18, it’s not as good as it seems.

We say that because if you compare what Gerber charges relative to other carriers it’s still not worth it.

Essentially, Gerber charges in most cases double what other companies charge. See it for yourself here.

For all the years before the coverage doubles, the Gerber life insurance grow up plan is really sticking it to you.

They’re basically charging you now for what the coverage will be at age 18.

For example, if you buy coverage on a 4 year old, that means for 14 years you’re paying the price for what their coverage will be when that child turns 18.

Again, compare the rates in the table above and see for yourself.


Which Company Has The Best Children’s Life Policy?

Is the Gerber grow up plan good?

Yes but they’re not the best option.

The truth is, there are many companies that offer life insurance to children. They’re all quite similar too.

Globe life children’s insurance is also good, but even they didn’t take the #1 spot.

Out of all of them, Mutual of Omaha by far offers the best value.

The main reason Mutual’s kid coverage is the best is because their policy is cents from being the least expensive option on the market.

In addition, their application is incredibly simple, has high coverage options, comes with two great riders at no extra cost, and is very easy to work with when you need to make changes to your policy.

Here’s a rundown of Mutual of Omaha’s child policy.

  • Policy Type: Whole Life
  • Builds Cash Value: Yes
  • Fixed Premiums: Yes
  • Coverage Expiration Date: Never
  • Age Availability: 0 -17
  • State Availability: All states (plus DC) except NY & WA
  • Coverage Range: $5,000-$50,000
  • Unisex Rates: Yes
  • Included Riders At no Additional Cost: Guaranteed Insurability & Waiver of Premium due to Death of Owner

If you want to run quotes and apply for Mutual of Omaha’s whole life policy for kids just use the quoting tool on this page.

You’ll see prices and can fully apply online. After you’re done, you’ll get a physical policy in the mail within two weeks.

Below is a table comparing Globe Life, Mutual of Omaha, and Gerber Life.

Information Mutual of Omaha Globe Life Gerber Life Insurance
First Year in Business 1909 1951 1967
A.M. Rating A+ A+ A
BBB Rating A+ A+ A+
2019 NAIC Compaint Index (lower is better) 1.51 7.19 1.56
Coverage Options $5,000-
Unisex Rates Yes Yes Yes (Not CA & FL)
$20k Cost For A 9 Year Old $9.86 $8.50 $17.51
Included Riders Guaranteed Insurability & Waiver of Premium for owner death None Guaranteed Insurability
Grace Period For Owner’s Death? 90 Days No No


Is The Gerber Grow Up Plan Worth It?

The Gerber life insurance grow up plan is absolutely a worthwhile investment.

You’ll have insurance protection so that if your children or grandchildren were to pass away, it would provide a quick cash payout to cover their funeral costs.

In addition, the insured children will have the guaranteed option to purchase additional life insurance later in life regardless of their health circumstances at that time.

However, keep this in mind…

If you want infant life insurance (or young adults), Gerber shouldn’t be the first company you buy from.

Gerber grow up life insurance is good but quite frankly they aren’t the best.

As noted in the section above, you’re much better off buying coverage from Mutual of Omaha.

They’ll issue up to $50,000 in coverage. If you happen to want more than $50,000 on your children or grandchildren, then yes buy the next policy from Gerber.


Frequently Asked Questions

We are often asked questions about the Gerber grow plan. Below are the most common ones and the respective answer.

If you have a question not addressed in this article, email us at info @ We will post your question and answer to this page within 48 business hours.

Is the Gerber grow up plan worth it?

The Gerber baby grow up plan is a an excellent choice, but they certainly aren’t the best option. Other companies such as Mutual of Omaha offer similar child coverage for a significantly lower premium.

What is the cash value of Gerber grow up plan?

Since the grow up plan Gerber life insurance is a whole life insurance policy, it will build cash value. Cash value is a behind the scenes savings account that grows tax deferred. The policy owner can access this cash value and use the money any way they see fit.

Gerber offers a guaranteed rate and projects that after 25 years, the cash value should meet or exceed the total amount of premiums paid.

Is Gerber grow up plan whole life?

Yes the Gerber grow up policy is a whole life contract. There are no term insurance policies for kids. Because it’s whole life you can expect the policy will never cancel, coverage can’t decrease, and payments can’t increase.

How does the Gerber life grow up plan work?

The policy is whole life which fortunately are very straightforward plans. Prices cannot increase, coverage is guaranteed to never decrease, policy won’t expire due to age and it builds cash value indefinitely. At the end of the day, the policy will payout a tax free cash benefit to the beneficiaries. There are no restrictions how the money is used.

Is the Gerber grow up plan a good investment?

All in all yes Gerber life grow up plans are a worthwhile investment. You’ll have permanent coverage on your children/grandchild and they’ll have the guaranteed option to buy more coverage later in life regardless of their health. Now, Gerber may not be the best child policy available, but it’s still a good plan worth the money required to have it.

What is the Gerber grow up plan?

The “Gerber grow up” plan is the name Gerber created for a small whole life insurance policy for children age 0-14. Coverage lasts a lifetime, prices don’t change, and coverage can’t decrease. Both grandparents and parents can buy coverage on their kids/grandkids.