At Diversified Insurance Brokers, we help families lock in lifelong protection for their children with simple, budget-friendly coverage that grows with them. Gerber Life Children’s Whole Life Insurance (often called the “Grow-Up®” plan) offers guaranteed lifetime coverage, level premiums that never increase, and a cash value component that can help build a financial foundation for future needs like college, a first home, or starting a family.

Why Parents Choose Children’s Whole Life

• Lifelong Protection: Coverage begins in childhood and can last a lifetime as long as premiums are paid—no re-qualification needed as your child grows up.
• Locked-In Premiums: Rates are set at the child’s issue age and never increase, even if health changes later.
• Cash Value Growth: A portion of every premium builds cash value over time. Your child can access it later through policy loans for emergencies or opportunities.
• Guaranteed Purchase Option: Policies typically include options to buy more coverage at certain ages or life events—without new medical questions.
• Gift That Lasts: A meaningful way for parents and grandparents to provide financial security and a head start.

Who This Policy Is For

This policy is ideal for parents, grandparents, and guardians who want:

• Affordable, permanent life insurance started at a young age with level premiums
• Protection that a child keeps into adulthood—even if health concerns develop later
• A disciplined way to build long-term value alongside protection
• A simple, quick application with a trusted brand in family insurance

Coverage Basics (At a Glance)

• Type: Whole life insurance with cash value
• Underwriting: No medical exam; simplified questions for the child
• Premiums: Level for life; set at child’s current age
• Ownership: Parent/guardian owns the policy initially and can transfer ownership to the child later

Common Ways Families Use This Policy

• Foundation for Future Needs: Potential cash value for education or first-home expenses
• Legacy Planning: Grandparents often use it to create a lasting gift of protection
• Insurability Safeguard: Lock in coverage now in case health issues arise later

Why Work with Diversified Insurance Brokers

We compare options across 100+ top-rated carriers and tailor recommendations to your goals and budget. Our team handles the details—from application to policy delivery—so getting the right protection for your child is fast and stress-free. When you’re ready, tap the Apply Now button above to begin your secure application for Gerber Life Children’s Whole Life.