Gerber Life Grow-Up® Plan

Help protect your
child with whole
life insurance

Grow-Up® Plan Benefits

Give your child or grandchild the Grow-Up® Plan to ensure they have quality whole life insurance protection that can last a lifetime.

Coverage that doubles

Coverage that doubles

Your child or grandchild’s Grow-Up® Plan coverage will automatically double at no extra cost. Give them $50,000 in coverage today and watch it become $100,000 during age 18.

Build cash value

Build cash value

The Grow-Up® Plan builds cash value with each monthly payment to help create a nest egg for your child or grandchild's future. They can then borrow against it to help out with unexpected expenses.*

Guaranteed coverage for life

Guaranteed coverage for life

Your child or grandchild will enjoy a lifetime of life insurance protection. Plus they'll have the right to buy more coverage as an adult at the standard adult rate, regardless of health or occupation, as long as premiums are paid.

For more information, call 

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

Lock in their childhood rate today

When you give the Grow-Up® Plan, you're giving the gift of a locked-in childhood premium. It will never go up as long as premiums are paid in full. Coverage starts for as little as pennies a day.

Lock in their childhood rate today
Lock in their childhood rate today

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

How to Buy Your Child Life Insurance

How to Buy Your Child Life Insurance

Get your free quote

Just answer 4 simple questions to get your free quote immediately. If you like what you see, you can apply for the Grow-Up® Plan right now online with our quick and easy application process.


Apply online or by phone

Getting the Grow-Up® Plan is easy. Just answer a few simple questions about yourself and your child or grandchild and you’re done. Once submitted, we’ll let you know when your application is approved. More than 75% of applications are approved in seconds.1


Make your first payment

Pay online today using your checking/savings account or credit/debit card. You can save up to 10% on your monthly premiums by signing up for EasyPay to have your payments automatically deducted from your checking or savings account each month.

1 Of phone and online applications

Gerber Life Grow-Up® Plan Reviews

The Gerber Life Grow-Up® Plan is a whole life insurance policy for children that accumulates cash value over time, giving your child something to build on for the future. But don’t take our word for it. See what our customers are saying, check out the Gerber Life Insurance Grow-Up® Plan reviews below.

Gerber Life Grow-Up® Plan Reviews

Read reviews of the Grow-Up® Plan directly from the people who know it the best: our customers!

Parents and grandparents everywhere agree. The Grow-Up® Plan is great, with a [rating] out of [max_rating] overall rating and [percent]% of reviewers recommending it. See below for our most recent customer reviews.

Already have a Grow-Up® Plan for your child? We want to hear from you!

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

    If you like what you’re hearing in the Gerber Life Grow-Up® Plan reviews, get a free quote below.

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    Gerber Life Grow-Up® Plan and Child Life Insurance Questions

    • What is the Gerber Life Grow-Up® Plan?

      The Gerber Life Grow-Up® Plan is a children’s whole life insurance policy that can provide lifelong insurance protection for your child or grandchild, as long as premiums are paid. It offers financial protection by providing $5,000 to 50,000 of whole life insurance coverage while also building cash value over time to help provide a nest egg for the future. All for as little as pennies a day!

      The Grow-Up® Plan’s coverage amount doubles when your child is 18 years of age – so a $25,000 policy becomes $50,000 – at no extra cost. And it also guarantees your child the option to purchase additional life insurance coverage as an adult, regardless of future health or occupation. 

      The Grow-Up® Plan is the whole life insurance policy that grows with your child or grandchild.

    • Why buy life insurance for children?

      Your child needs you to provide food, shelter and unconditional love. But in terms of important wants for your child, giving them the gift of whole life insurance while they’re young is right up there for many parents. With the Grow-Up® Plan, parents get the peace of mind knowing their child can always have whole life insurance with cash value that builds the longer they have it. And as long as their premiums are paid, their coverage can never be taken away from them.

    • Who can buy child life insurance?

      Parents, grandparents or permanent legal guardians can purchase a Gerber Life Grow-Up® Plan for their little ones. It’s not just a smart financial option and easy way to get peace of mind, it’s a gift that offers a lifetime of protection as long as premiums are paid.

    • How much does the Grow-Up® Plan cost?

      The Grow-Up® Plan can cost as little as pennies a day. The actual premium amount will depend on the age of your child or grandchild when the policy is purchased, how much coverage you get, and the state you live in. Premiums can start as low as $3.70 a month for $5,000 in coverage for a child less than a year old (with automatic deduction from a checking or savings account).

    • What is Cash Value?

      Each time you make a monthly premium payment for your child’s Grow-Up® Plan, Gerber Life sets aside a small amount of that money. Over time, this becomes the cash value of your policy. This money is available for you to borrow if you ever have the need for ready cash. As an adult, your child will have the option to turn in the policy and receive the available cash value. Click here to learn more about cash value.

    • How does life insurance for kids work?

      You apply for your child’s Grow-Up® Plan and are the policyholder, paying the monthly premium until your child turns 21 years of age. When your child turns 21, he or she becomes the policyholder and can continue the policy and pay the premiums or surrender the policy to receive the accumulated cash value.  

      If your child keeps the policy as an adult, he or she will also have the guaranteed option to purchase additional whole life insurance coverage at current standard adult rates, regardless of future health or occupation. 

    • Is Gerber Life a company you can trust?

      When it comes to choosing whole life insurance, it’s important to look at the company behind the policy to make sure it’s going to stand by it. Gerber Life Insurance has been protecting families like yours since 1967 and our children’s whole life insurance is recommended by over 89% of reviewers. Many of these reviews are by parents or grandparents who were themselves given the Grow-Up® Plan when they were young and are now buying ones for the youngest generations of their families. 

      We have an “A” (excellent) rating from the highly regarded independent reporting firm, A.M. Best. A.M. Best, the impartial reporting firm that rates insurance companies on financial stability, management skill and integrity, has awarded Gerber Life an “A” (Excellent) rating, most recently in December 2021. It refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the company. This rating is the third highest awarded out of thirteen possible categories.”

    best life insurance for your child

    Finding the best life insurance for your child

    When it comes to helping protect your child, Gerber Life Insurance has you covered with the Grow-Up® Plan. As a whole life insurance policy built for kids, it grows with them into adulthood with coverage that doubles during age 18 at no extra cost. If you have questions about how our Grow-Up® Plan works, we’re here for you. Call 800-704-3331 844-500-7458 to talk to a Gerber Life representative anytime Monday to Thursday, 8am-9pm, Friday 8am-7pm, and Saturday 9am-5pm.

    Learn More About Life Insurance For Children

    Learn More About Life Insurance For Children

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