The Gerber Life Children’s Grow-Up® Plan is a whole life insurance policy designed to give children a head start on lifelong financial protection. Available for children 14 days to 14 years old, this plan provides affordable coverage now, builds cash value over time, and guarantees the ability to buy additional coverage later—regardless of health or occupation.

Who Qualifies?

Children from 14 days old to 14 years old are eligible for the Grow-Up Plan. Parents, grandparents, and legal guardians can apply. The application process is quick and requires only a few basic health questions—no lengthy exams or complicated underwriting.

Key Benefits

• Affordable Lifetime Coverage: Choose coverage amounts from $5,000 to $50,000 now—at child rates locked in for life.
• Guaranteed Future Insurability: When the child becomes an adult, coverage automatically doubles at no extra cost, and they can purchase more—up to 10 times the original amount—regardless of future health.
• Cash Value Growth: The policy builds guaranteed cash value over time, which your child can borrow against in the future if needed.
• Permanent Protection: Unlike term policies, the Grow-Up Plan never expires as long as premiums are paid.
• Transferable Ownership: When the child turns 21, ownership transfers to them, giving them control of their policy and any accumulated cash value.

Why Get Life Insurance for a Child?

While no one wants to think about the loss of a child, the Grow-Up Plan’s primary value is not just in covering final expenses—it’s in locking in low premiums for life and guaranteeing future coverage. Health issues can arise unexpectedly, making life insurance harder or more expensive to obtain later. With the Grow-Up Plan, your child is covered from the start, and their insurability is protected for the future.

Why Choose Gerber Life?

Gerber Life Insurance has been trusted by millions of families for over 50 years, offering financial security products designed for affordability and dependability. Backed by an “A” (Excellent) rating from A.M. Best, Gerber Life provides parents with peace of mind knowing their child’s coverage is in strong financial hands.

Common Use Cases

• Parents wanting to lock in permanent life insurance at a young age
• Grandparents looking for a lasting, meaningful gift
• Families wanting to build financial security and cash value for a child’s future

Application Process

1. Apply Online: Fill out the simple application with basic health information—no medical exam required.
2. Select Coverage Amount: Choose from $5,000 to $50,000 in protection.
3. Start Building Cash Value: Coverage begins upon approval, and cash value growth starts immediately.