Term Life Insurance

Get the coverage you need at a rate that's right for you

Term Life Insurance Benefits

Help protect your family with this flexible adult life insurance that can be less expensive than Whole Life insurance.

Term Life Benefit 1

Flexible coverage

Rates start at $15.42 a month and stay locked for the entire term. You choose a coverage amount that fits your needs and budget, from $100,000 to $300,000. 1

Term Life Benefit 2

Simple and easy application

Just answer a few questions. Most people will receive a decision on their application in about a minute. And there's no medical exam required in most cases. 2

Term Life Benefit 3

Tailored to fit your life

The period of coverage, known as a "Term," can be 10, 20 or 30 years. Decide the length of the term so you have coverage when you need it most.

Call 866-503-4480866-503-4480 for more information

M-Th 8am-9pm, Fri 8am-7pm, Sat 9am-5pm ET

Financial protection when you need it most

Losing a family member will always be difficult, but life insurance can make things a little easier for the people you leave behind. A term life policy can help your family cover expenses like the mortgage and childcare costs, even if you're gone.

Term Life Protection
Term Life Protection

1 Premium based on a $100,000, 20-year Term Life policy for a healthy 18-year-old female paid by automatic monthly deduction from a checking or savings account. Other coverage amounts over $300,000 are available up to $1,000,000. Call one of our friendly representatives for rates, 1-866-503-4480.

2 Medical exam is required for age 51 and over and who apply for more than $100,000 in coverage.

How to Buy Adult Term Life Insurance Coverage

Term Life How to Buy

Get a free quote

Just answer 4 simple questions to get a free quote immediately.


Apply online or by phone

Our streamlined application makes it easy. Just answer a few simple questions about yourself. Once submitted, we'll let you know if you're approved, usually within as little as a minute*.


Set up automatic payment

Once you set up EasyPay, you never have to worry about missing payments because they're made directly from your checking or savings account. Plus, you get up to 10% off your premiums.

*Of phone and online applications

Term Life Insurance Reviews

With its flexible options for coverage and premiums tailored to meet your budget, the Gerber Life Term Life Plan makes it easy for you to protect your loved ones. Choose the coverage period (or “term”) that works best for you: 10, 20 or 30 years. Read the reviews below to find out what others had to say about this flexible plan.

Highly Recommended By Customers

Gerber Life customers have spoken, and the word is they love it. Our Term Life has a out of overall rating and % of reviewers recommend it. See below for our most recent customer reviews.

Already have a Gerber Life Term Life Insurance Plan? We’d love to hear your feedback!

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    Testimonials reflect the opinions of Gerber Life Customers.  For additional reviews click here.

    Adult Term Life Insurance Questions

    • What is term life insurance?

      Term life insurance is a type of life insurance that provides coverage for a specific period of time, known as a ”term.” This type of policy is popular because it can cost less than other types of life insurance and lets you choose the coverage period. Gerber Life offers term life policies for 10-, 20- and 30-year terms. Choose the term that works best for you and your family.

    • What if I outlive my term life policy?

      If you outlive your term life policy, at the end of the term, you have two options: let the policy end or renew it. A policy can be renewed annually at the premium rate for your age at the time of renewal, without a physical exam.

      If you don’t think you need life insurance coverage, i.e. you’ve paid off your home mortgage or you’re no longer responsible for dependents – you can let the policy end. Or if you still need life insurance coverage, you can apply for a new policy and get the coverage amount that’s right for your current needs.

    • Will my premiums increase each year?

      With the Gerber Life Term Life Plan, your premiums will never increase. The amount you agree to pay when coverage begins is the same amount you'll pay throughout the duration of your policy as long as premiums are paid.

    • What are the differences to consider when choosing term or whole life?

      Term life insurance typically provides more financial coverage at a lower cost than whole life insurance policies. However, coverage ends at the end of the term (terms are 10, 20 or 30 years) and Term policies do not build cash value. If you have young children and are looking for the most coverage until your children are grown, Term Life may be a good choice.

      Whole Life insurance, on the other hand, provides lifelong coverage, the policy never expires (as long as premiums are paid), but as a result, the cost is higher so you may not be able to afford as much coverage as you would with Term insurance. Whole Life builds cash value that you can borrow against* or collect if you terminate the policy (you will not be able to borrow against a term life policy and your family will not receive any benefits if you live past the coverage term). So your choice depends on your needs.

      *Policy loan interest rate is 8%. Loans may impact cash value and death benefit.

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    Learn More About Term Life Insurance

    If you still have questions about adult life insurance, visit our Life Insurance 101 to learn more about:

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