Gerber Life Guaranteed Issue Whole Life
At Diversified Insurance Brokers, we understand that some individuals face challenges getting approved for life insurance due to health history or previous declines. That’s why we offer the Gerber Life Guaranteed Issue Whole Life policy—providing lifelong coverage with absolutely no medical exams, health questions, or underwriting delays. This makes it an excellent choice for individuals with serious health conditions or those who have been turned down elsewhere. Acceptance is guaranteed for qualified applicants within the eligible age range, giving you and your loved ones peace of mind knowing protection is in place.
Guaranteed Issue Whole Life – Gerber Life
Secure permanent protection with guaranteed acceptance—no health questions or medical exams required.
Who This Policy Is For
This coverage is ideal for:
- Individuals aged 50–80 seeking lifelong protection without medical underwriting
- People with pre-existing health conditions that make traditional life insurance difficult to obtain
- Those who have been previously declined by other insurance companies
- Anyone wanting to leave a legacy or cover final expenses with guaranteed acceptance
Key Benefits
- No Medical Questions or Exams: Guaranteed acceptance means your health history will not affect eligibility.
- Permanent Coverage: Protects you for life as long as premiums are paid.
- Level Premiums: Your rate is locked in and will never increase over time.
- Cash Value Growth: Builds a cash value over time that you can borrow against if needed.
- Peace of Mind: Ensures your loved ones have the financial support they need for final expenses or other needs.
How the Application Process Works
Applying for Gerber Life Guaranteed Issue Whole Life is simple and takes only minutes:
- Click “Apply Now”: You’ll be taken to our secure Gerber Life online application.
- Provide Basic Information: Enter details such as your name, address, date of birth, and desired coverage amount.
- No Health Questions: There are absolutely no medical questions, exams, or health records required.
- Instant Eligibility: If you’re within the eligible age range (50–80), your acceptance is guaranteed.
- Review & Confirm: Select your payment method, review your policy details, and submit your application.
- Policy Issued: Your coverage is approved and issued—often within days—so your protection begins quickly.
Why Choose Diversified Insurance Brokers?
Our advisors specialize in helping clients secure coverage, even in challenging health situations. We work with trusted carriers like Gerber Life to find policies that meet your needs and budget. With our expertise, you’ll receive clear guidance, quick application processing, and peace of mind knowing you have permanent protection in place.
FAQs: Gerber Guaranteed Issue Whole Life
What is Gerber Guaranteed Issue Whole Life?
This is a whole life insurance policy offering *guaranteed acceptance*. No medical exam or health questions are required. It provides permanent coverage as long as premiums are paid. [oai_citation:1‡Legacy Agent](https://legacyagent.com/images/Training/Apps-Guides/Gerber/Guides/Gerber_GIWL_AgentPresentation.pdf?utm_source=chatgpt.com)
What ages are eligible?
Applicants aged **50-80** (50-75 in New York) are eligible under this policy. [oai_citation:2‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/guaranteed-life-insurance/questions?utm_source=chatgpt.com)
What coverage amounts are available?
Coverage ranges from **$5,000 up to $25,000** in most states. Note: In South Dakota the maximum is $15,000. [oai_citation:3‡Legacy Agent](https://legacyagent.com/images/Training/Apps-Guides/Gerber/Guides/Gerber_GIWL_AgentPresentation.pdf?utm_source=chatgpt.com)
Will premiums ever increase?
No. Premiums are fixed level payments and will *never increase* as long as premiums are paid. [oai_citation:4‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/guaranteed-life-insurance/questions?utm_source=chatgpt.com)
What is the graded death benefit?
There is a graded death benefit during the first two policy years: if death occurs (non-accidentally) within that period, the beneficiary receives the total premiums paid plus 10% interest. After the two years, the full face amount is paid. [oai_citation:5‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/guaranteed-life-insurance/questions?utm_source=chatgpt.com)
Is there cash value, and can I borrow against it?
Yes. The policy accumulates cash value over time, which may be borrowed against. Loans and advance interest reduce both cash value and death benefit. [oai_citation:6‡Gerber Life Insurance Company](https://www.gerberlife.com/about/life-insurance-questions?utm_source=chatgpt.com)
Is a medical exam required?
No medical exam or health questions are required. Acceptance is guaranteed. [oai_citation:7‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/guaranteed-life-insurance/questions?utm_source=chatgpt.com)
Can the policy be canceled by Gerber?
No. Once coverage is in force and premiums are paid on time, Gerber cannot cancel the policy for health or age reasons. [oai_citation:8‡Gerber Life Insurance Company](https://www.gerberlife.com/adult-life-insurance/guaranteed-life-insurance/questions?utm_source=chatgpt.com)
Is there a free look period?
Yes. There is a 30-day free look period (once delivered) during which you can review the policy and return it for a full refund of premiums if you decide not to keep it. [oai_citation:9‡Legacy Agent](https://legacyagent.com/images/Training/Apps-Guides/Gerber/Guides/Gerber_GIWL_AgentPresentation.pdf?utm_source=chatgpt.com)
