Back to Accident Protection Insurance Accident Protection Insurance Questions What kind of insurance does the Gerber Life Accident Protection Plan provide? This individual policy, available to you and your spouse, provides cash benefits in the event of accidental death or a covered disabling injury as the result of an accident — 24 hours a day, anywhere in the world. How much coverage does the plan provide? You can choose your coverage amount – in a $20,000, $35,000, $50,000, $75,000 or $100,000 policy. When does my coverage start? Your coverage starts as soon as we receive payment for your first premium. How can I pay my accident protection insurance premiums? You can pay by credit or debit card, check or money order. Premium payments that are automatically withdrawn from a bank account will receive an additional discount. How much will the premiums be? For $5.23 a month, you can have $50,000 worth of accidental death coverage. For $3.66 a month, you can get $35,000 worth of coverage, or for a $2.09 monthly premium, you get $20,000 protection. Will my premiums increase as I get older? No. Once you apply for accident protection insurance, your premium is guaranteed never to go up, due to age or health. Who can purchase the Accident Protection Plan? This policy is available to anyone ages 19 to 69. No medical exam is required and there are no health questions to answer. Acceptance is guaranteed. Gerber Life Accident Protection insurance plan is not available in MA, OK, PA and WA.