Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 5, 2022

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The Lowdown

  • The Gerber Grow-Up plan offers coverage from $5,000 to $50,000 for children up to age 14
  • Coverage automatically doubles at age 18
  • Your child can buy additional coverage between the ages of 21 and 40, or when they get married or have a child
  • The Grow-Up plan is more expensive than some other options

When you want to protect your loved ones from financial hardship after your death, life insurance is one of your best options. The right plan can help pay for funeral expenses, loss of income, medical costs, unpaid debt, and anything else your family needs.

It’s easy to see why an adult would need a life insurance plan, but what about babies?

It might not necessarily be the best option for insurance coverage for your baby, but it is one of the best known. Gerber is a trusted brand in all things baby, so why wouldn’t its life insurance be a great product?

The truth is Gerber does offer a good life insurance policy for babies, but it might not be the best choice. Gerber Grow-Up plan reviews tend to be positive, but other companies might have better rates.

If you’re considering the Gerber Life Grow-Up plan for your child, comparing quotes with other life insurance companies can save you money. Enter your ZIP code into our free tool if you want to see what quotes might look like for you.

What is the Gerber Life Grow-Up Plan?

The Gerber Life Grow-Up plan is whole life insurance for babies and children under 14. You can buy plans for between $5,000 and $50,000. Gerber promises that your rates will never increase, and the coverage never decreases.

As whole life insurance, this plan will insure your child for the rest of their lives.

One of the best advantages of the Grow-Up plan is that your child’s coverage doubles when they turn 18. You won’t pay higher monthly rates for this – it automatically happens. If you buy $25,000 of coverage, the plan doubles to $50,000 when your child turns 18.

While parents are the most common purchasers of children’s life insurance, grandparents can gift the Gerber Grow-Up plan without permission.

As a whole life policy, the Grow-Up plan accumulates a cash value. There are no restrictions on what a Gerber Life Grow-Up plan cash can be spent on.

You can purchase the Grow-Up plan in any state, and prices are the same for girls and boys (except in Florida and California).

Your child does not have to take a medical exam to qualify, meaning you can give them insurance coverage for the rest of their lives no matter what health conditions they might develop as adults.

An additional benefit with Gerber is that they include a payment waiver add-on to the policy for no additional charge. If the person paying for the policy dies or becomes disabled, Gerber will waive the payments on the policy until the child reaches age 21.

Can your child buy more insurance later?

When your child comes of age, they take over the policy as the owner. Gerber gives them the opportunity to purchase more coverage at specific times. The coverage is guaranteed-approval, meaning it doesn’t matter what pre-existing conditions they have — they can always purchase more coverage.

Your child will be eligible to purchase more coverage during these times:

  • Age 21
  • Age 25
  • Age 30
  • Age 35
  • Age 40
  • Upon getting married
  • When they have their own children

Of course, buying more coverage will increase the premium, but it’s always good to know you can buy more without worrying about being denied.

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How much does the Gerber Life Grow-Up plan cost?

As far as insurance for children goes, Gerber can be more expensive than comparable plans. Part of the reason for the expense is that your coverage doubles when your child turns 18. Below, you can get an idea of how much Gerber charges for insurance.

Age$20,000 Gerber coverage$40,000 Gerber coverage
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Compared to competitors, Gerber tends to be higher. If you’re interested in life insurance for children, you should also consider Mutual of Omaha. Mutual of Omaha offers similar coverage for a cheaper cost.

Does a child need life insurance?

Since life insurance is typically bought to protect a spouse or partner from financial hardship after losing an income, it might seem confusing why a child would need a policy.

Truthfully, most babies don’t need life insurance. Most babies grow up healthy, so parents don’t need life insurance coverage. As far as savings plans go, there are better options than the cash value of a whole life plan.

One of the biggest benefits of getting your child a life insurance policy is that they’ll have access to coverage for the rest of their life. Buying a plan at a young age gives you the best prices possible.

Since there are no medical examinations necessary at any point with Gerber, it doesn’t matter what your child’s health condition is. Up until age 40, they’re guaranteed the ability to purchase more coverage.

Gerber Life Insurance Reviews

Gerber is a trusted name in products for babies.

Gerber insurance has a reputation for strong customer service. Customers enjoy how easy it is to set up a Gerber plan and manage their accounts. A simple call to the Gerber Life Grow-Up plan phone number will set you up with everything you need to know. You can also sign up online.

However, some customers were surprised by the cash value accumulation that comes with this plan. As stated before, there are better options to start a savings fund for children. One of the main complaints about Gerber life is that parents were disappointed with the amount of money available.

Another common complaint is that prices are more expensive than those of competitors.

As for professional ratings, Gerber earns an A in financial security from A.M. Best and an A+ from the Better Business Bureau (though it is not a BBB-accredited business). They also have a low complaint index with the NAIC of 1.56.

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Find Gerber Life Insurance Rates That Work for You

Life insurance can be an investment in your child’s future and one that you’ll pay into for a long time. It’s integral to find the right plan for your needs. The Gerber Grow-Up plan might be the best choice for your child if you’re interested in life insurance coverage for them.

If you’re interested in the Gerber Life Grow-Up plan, you should start by shopping around to find the best rates possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Gerber Life Grow-Up Plan: Everything You Need to Know Additional Information

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Gerber Life Grow-Up Plan: Everything You Need to Know Insurance Quotes

If you already have Gerber Life Grow-Up Plan: Everything You Need to Know insurance quotes then be sure that you compare your quoted Gerber Life Grow-Up Plan: Everything You Need to Know insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!