Finding affordable, reliable life insurance can be challenging, especially if you have health issues or have been turned down in the past. That’s where the Gerber Life Guaranteed Issue Whole Life Insurance plan can help. Designed for individuals between the ages of 50 and 80, this policy provides permanent coverage with no health questions, no medical exams, and guaranteed acceptance. If you’ve been told you don’t qualify for traditional life insurance, Gerber Life makes it possible to still secure the protection your family needs.

Who Qualifies for Gerber Life Guaranteed Issue Whole Life Insurance?

This policy is available to anyone between the ages of 50 and 80, regardless of medical history. There are no medical exams or health questions, and approval is automatic. Whether you have chronic health conditions, a history of serious illness, or have been denied by other companies, you can still be approved for this plan.

Key Benefits of This Plan

• Guaranteed Acceptance: You cannot be turned down for health reasons.
• Permanent Coverage: This policy never expires as long as premiums are paid.
• Fixed Premiums: Your monthly payment will never increase.
• Cash Value Growth: Over time, your policy builds cash value you can borrow against.
• End-of-Life Protection: Helps cover funeral costs, medical bills, and other final expenses.

Coverage Amounts and Costs

Coverage is available in amounts from $5,000 to $25,000. Premiums are based on your age at the time of purchase and will remain level for the life of the policy. While the benefit is designed primarily to cover end-of-life expenses, it can also provide a financial cushion for your loved ones during a difficult time.

Understanding the Graded Death Benefit

Like most guaranteed acceptance policies, Gerber Life Guaranteed Issue Whole Life includes a graded death benefit during the first two years. If death occurs within the first two policy years (for reasons other than an accident), the beneficiary will receive the total premiums paid plus 10% interest. After two years, the full death benefit is paid for any cause of death.

Why Choose Gerber Life?

Gerber Life Insurance Company has a strong reputation for providing affordable, accessible coverage to millions of Americans. With decades of experience and a focus on protecting families, they are a trusted name in the life insurance industry.

Is This the Right Plan for You?

This policy is ideal if you want:

• Lifelong coverage without health questions or medical exams
• Guaranteed acceptance between ages 50–80
• A fixed premium that will never go up
• Coverage to help your family pay for funeral and other end-of-life costs