Gerber Life burial insurance
Gerber Life advertises guaranteed acceptance heavily to people over fifty. Nobody is turned down, and that is precisely why the policy waits two years before it pays for natural death.
Rating read from AM Best on 2 September 2026. AM Best calls A+ superior: the strongest assessment am best gives. How we check ratings.
The verdict
Genuinely valuable to someone who cannot answer health questions favourably, and a poor deal for everyone else. If you can pass the questions at an underwritten carrier, you get full coverage from day one and usually pay less for it.
We do not represent Gerber Life
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A+ Superior with a positive outlook, stronger than most guaranteed acceptance providers
- Nobody in the age band is declined
- Familiar name and a straightforward buying process
Against it
- Two year waiting period on natural death, which is the point of the product
- More expensive per dollar of coverage than an underwritten policy
- Frequently bought by people who would have qualified elsewhere
How it treats your health
None on the guaranteed acceptance product. No health questions at all, which is what makes acceptance guaranteed and what makes the waiting period necessary.
What it actually sells
Guaranteed acceptance whole life, plus other life products including the well known children savings plan.
The waiting period
Two years. Die of natural causes inside that window and the policy returns the premiums paid plus interest rather than the death benefit. Accidental death is covered in full from day one.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex and face amount. There is no health tier, because there are no health questions.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Gerber Life would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Gerber Life
Does Gerber Life have a waiting period?
Yes, two years on natural death. That is standard for any policy that accepts everyone without health questions, and it is the trade you are making.
Should I buy guaranteed acceptance life insurance?
Only if you cannot answer the health questions favourably at an underwritten carrier. Most people over fifty in reasonable health can, and they get full cover from day one for less money. Have the questions asked before accepting a waiting period.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.