Gerber Life Accidental Death
At Diversified Insurance Brokers, we understand that life can change in an instant. Accidents are unexpected, and their consequences can leave families facing both emotional and financial challenges. That’s why we offer Gerber Life Accidental Death Insurance — an affordable way to ensure your loved ones are financially protected if you pass away due to a covered accident. This straightforward policy is designed to provide peace of mind without complicated underwriting or lengthy application processes.
Accidental Death – Gerber Life
Low-cost coverage that pays a benefit to your loved ones if you pass away due to a covered accident.
Who This Policy Is For
This policy is ideal for individuals who:
- Want an affordable way to supplement existing life insurance coverage
- Desire protection without medical exams or lengthy health questionnaires
- Need additional coverage to help with final expenses, debts, or daily living costs in case of an accidental death
Key Benefits
- Affordable Premiums: Get valuable protection without straining your budget.
- No Medical Exam: Quick approval with no invasive health checks.
- Guaranteed Acceptance: Approval is guaranteed for eligible applicants within the age range.
- Direct Payout to Beneficiaries: Benefits go directly to your chosen beneficiary, without restrictions on how funds are used.
- Worldwide Coverage: Protection 24/7, anywhere you travel.
How the Application Process Works
Applying for Gerber Life Accidental Death Insurance is fast and straightforward. Simply click the “Apply Now” button above, complete the brief online form, and receive your policy documents electronically. There are no medical exams or health questions, so your coverage can begin almost immediately upon approval and payment of your first premium.
Why Choose Diversified Insurance Brokers?
With access to top-rated carriers like Gerber Life, we help you find the right insurance solutions for your needs and budget. Our advisors make the process simple, transparent, and stress-free — so you can focus on what matters most: protecting your loved ones.
FAQs: Gerber Life Accidental Death Insurance
What is Gerber Life Accidental Death / AD&D insurance?
This is a protection plan that pays benefits if you die from a covered accident (Accidental Death), or suffer a qualifying disabling injury (AD&D), such as losing a limb or eyesight. [oai_citation:0‡Gerber Life Insurance Company](https://www.gerberlife.com/learn/accident-protection-insurance?utm_source=chatgpt.com)
How much coverage can I choose?
Coverage options range from **$50,000 up to $500,000**. Spouse coverage is also available in many states. [oai_citation:1‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/accident-protection-insurance/questions?utm_source=chatgpt.com)
Do I need a medical exam or health questions?
No. Gerber’s Accident Protection / AD&D plan accepts eligible applicants ages **18-69** without medical exams or health questions, regardless of occupation. [oai_citation:2‡Gerber Life Insurance Company](https://www.gerberlife.com/learn/accident-protection-insurance?utm_source=chatgpt.com)
When does coverage begin?
Your coverage begins as soon as Gerber receives your first premium payment. [oai_citation:3‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/accident-protection-insurance?utm_source=chatgpt.com)
Are premiums going to increase with age or health?
No. As long as premiums are paid on time, the premium amount will never increase due to age or changes in health. [oai_citation:4‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/accident-protection-insurance?utm_source=chatgpt.com)
What kinds of injuries are covered besides death?
The plan covers qualifying disabling injuries such as loss of limb (hand, foot), loss of eyesight (one or both eyes), and other injuries defined in the contract. [oai_citation:5‡Gerber Life Insurance Company](https://www.gerberlife.com/learn/accident-protection-insurance?utm_source=chatgpt.com)
What is the cost for this type of coverage?
It’s very affordable. For example, **$50,000** of coverage may cost about **$5.23/month** under typical Gerber rates. Larger amounts scale up. [oai_citation:6‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/accident-protection-insurance?utm_source=chatgpt.com)
Can I get coverage for both myself and my spouse?
Yes — spouse coverage is available. You and your spouse can each enroll (up to allowed limits) under Gerber’s Accident Protection plan. [oai_citation:7‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/accident-protection-insurance?utm_source=chatgpt.com)
