Whole Life Insurance

Help protect your family while building cash value

Whole Life Insurance Benefits

This adult life insurance can help give you lifelong financial protection for your family, as well as extra financial help for yourself.

Whole Life Benefit 1

Keep it for life

Your policy will never expire or go up in price as long as premiums are paid. It's a great way to help make sure your family will always be taken care of.

Whole Life Benefit 2

Build cash value over time

Every time you make a payment, a small part goes towards your policy's cash value. You can borrow against this to help cover unexpected expenses.1 The longer you own the policy, the more cash value builds.

Whole Life Benefit 3

Customize your policy

You can select the coverage amount that fits your need and budget, from $50,000 to $300,000.2

Call 800-425-7542800-425-7542 for more information

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

Help protect your loved ones

Losing a family member will always be difficult, but life insurance can make things a little easier for the people you leave behind. A whole life insurance policy on yourself can provide financial relief when your family needs it most.

Whole Life Protection
Whole Life Protection

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

2 Other coverage amounts over $300,000 are available up to $1,000,000. Call one of our friendly representatives for rates, 1-800-425-7542.

How to Buy Adult Whole Life Insurance

Whole 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

Whole Life Insurance Reviews

Gain a lifetime of protection for you and your family members with Gerber Life’s Whole Life Insurance Plan. You own the policy for your entire life, as long as premiums are paid, with a locked-in premium that never increases. Read our whole life insurance reviews below to find out what others are saying about this policy.

Highly Recommended by Customers

Gerber Life customers have spoken, and the word is they love it. Our Whole 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 Whole 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 Whole Life Insurance Questions

    • What is a whole life insurance policy?

      Whole life insurance, also called permanent life insurance, provides coverage for your entire life as long as you pay your monthly premium, unlike term life insurance, which provides coverage for a set amount of time. Whole life insurance policies also build cash value over time, setting aside a small part of each monthly payment. Term life insurance policies typically do not build cash value.

    • Why do people choose whole life insurance?

      One of the key benefits of whole life insurance is having life insurance coverage for your lifetime. Coverage doesn’t end after 20 or 30 years. You can lock in a premium rate that will never increase for as long as you own the policy (as long as premiums are paid), making your payments predictable and easier to plan into your budget. Whole life insurance builds cash value over time that you can borrow against should the need arise.*

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

    • What is the cash value of a whole life insurance policy?

      Each time that you pay your premium, Gerber Life sets aside a small amount, which builds up over time as the life insurance policy’s cash value.

      The longer you hold the policy, the more cash value the policy builds. If a need arises, and as long as premiums are paid, you could borrow against the available cash value* to help cover lost income, rent or mortgage payments, education costs, or other expenses.

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

    • What’s the difference between whole life and term life insurance?

      Whole life insurance is a type of insurance you can keep for your lifetime, compared to term life insurance, which ends after a set number of years. Whole life insurance lets you leave money behind for your family, no matter how long you live. Unlike term life, whole life insurance builds cash value over time. You can borrow from the cash value if money is needed for an emergency or if in the future you decide to terminate your policy you can receive the accumulated cash value.*

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

    Whole Life Learn More

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