Gerber Life Children’s Whole Life
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.
Children’s Whole Life – Gerber Life
Lock in permanent coverage now with premiums that never increase and cash value that grows over time.
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.
FAQs: Gerber Children’s Whole Life (Grow-Up® Plan)
What is the Grow-Up® Plan?
The Grow-Up® Plan is a children’s whole life policy from Gerber that offers lifetime protection, cash value growth, and level premiums. You own the policy until the child turns 21, at which point the child becomes owner. [oai_citation:0‡Gerber Life Insurance Company](https://www.gerberlife.com/child-life-insurance/grow-up-plan/questions?utm_source=chatgpt.com)
What are the eligible ages and coverage limits?
Children from **14 days old up to 14 years old** are eligible. Coverage ranges from **$5,000 up to $50,000**, depending on the child’s age and state. [oai_citation:1‡Choice Mutual](https://choicemutual.com/wp-content/uploads/2020/01/Gerber-Life-Grow-Up-Brochure.pdf?utm_source=chatgpt.com)
Does the death benefit increase automatically when the child reaches a certain age?
Yes. On the child’s 18th birthday, the death benefit *doubles automatically*, with no increase in premium required. [oai_citation:2‡Choice Mutual](https://choicemutual.com/wp-content/uploads/2020/01/Gerber-Life-Grow-Up-Brochure.pdf?utm_source=chatgpt.com)
How does cash value work, and can I access it?
The policy builds cash value over time. You can take policy loans or surrender it for the cash value (minus any outstanding loans). Loans will reduce both cash value and death benefit. [oai_citation:3‡Gerber Life Insurance Company](https://www.gerberlife.com/child-life-insurance/grow-up-plan/questions?utm_source=chatgpt.com)
Are there riders or future insurance options?
Yes. The policy includes a **Guaranteed Purchase Option Rider**, which lets the child buy more coverage at certain ages as an adult, regardless of health or occupation. Also, there is a Payment Protection Option (PPO) rider available in many states. [oai_citation:4‡Choice Mutual](https://choicemutual.com/wp-content/uploads/2020/01/Gerber-Life-Grow-Up-Brochure.pdf?utm_source=chatgpt.com)
Will premiums ever increase?
No. Premiums are fixed (level) and will not increase over the life of the policy, as long as payments are made on time. [oai_citation:5‡Choice Mutual](https://choicemutual.com/wp-content/uploads/2020/01/Gerber-Life-Grow-Up-Brochure.pdf?utm_source=chatgpt.com)
What happens when the child turns 21?
At age 21, the child becomes the policy owner. They then control the policy and can continue coverage, use the policy’s cash value, or access other options under the policy rules. [oai_citation:6‡Gerber Life Insurance Company](https://www.gerberlife.com/child-life-insurance/grow-up-plan/questions?utm_source=chatgpt.com)
Can the policy be cancelled or surrendered?
Yes. The owner can surrender the policy and receive its cash value (minus any outstanding loans or fees). Once the policy lapses or is surrendered, coverage ends. [oai_citation:7‡Gerber Life Insurance Company](https://www.gerberlife.com/child-life-insurance/grow-up-plan/questions?utm_source=chatgpt.com)
