Page Reviewed / Updated – June 5, 2022

Best in Customer Satisfaction 

The Guaranteed Acceptance Burial Insurance plan from Gerber Life is a reliable coverage option from an industry leader that was established in 1967. Gerber is rated best in customer satisfaction because of how easy it is to do business with the company and the high level of customer service available after an individual purchases an insurance plan. Eighty-one percent of Gerber insurance customers say they’d recommend this company to someone else looking for coverage. 

For seniors seeking an accessible and stress-free option for burial insurance, Gerber Life is the best option. It’s also a guaranteed issue policy, meaning there are no health requirements to be approved. This makes the application process quick and convenient for seniors and middle-aged adults who want coverage fast. 

Pros and Cons of Gerber Life’s Burial Insurance


  • No health exam required 
  • Guaranteed acceptance 
  • Suitable for people with pre-existing conditions 
  • Fixed rates for life 
  • Policyholders have 30 days from enrollment to determine if their happy with the product and receive a full refund 


  • There’s a 2-year waiting period 
  • Coverage amounts are lower than other plans on the market 
  • The limited age range for enrollment (50 to 80)

Overview of Gerber Life’s Burial Insurance 

Gerber Life’s Burial Insurance is an accessible whole life insurance coverage option for seniors with pre-existing conditions who want to skip the qualifying health exam. Adults aged 50 to 80 years old are eligible to apply and are guaranteed acceptance. The policy limit is flexible, with applicants allowed to choose their coverage amount in increments between $5,000 and $25,000. 

Eligible Ages Approval Process Death Benefit Amount Waiting Period Policy Maturity
Guaranteed Life Insurance Plan 50-80 No Medical Exam — Some Health Questions $5,000-$25,000 2 Years 121

How Much Does Gerber Life’s Burial Insurance Cost?

Gerber Life’s Burial Insurance typical cost is at a fixed rate. However, the amount paid on premiums can vary from the onset of the policy based on various factors. These include age, pre-existing medical conditions, medical history and other contributing factors that put the applicant in a higher risk category for needing to use this insurance coverage. 

It’s also possible to save up to 8% on monthly premiums by registering for Easy Pay, which automatically deducts the payment each month from the specified savings or checking account. All rates are locked in for life unless the policyholder makes changes to their policy or payment schedule.

Eligibility, Plan Details, & Other Information

Plan Eligibility 

Since the Gerber Life burial insurance plan offers guaranteed acceptance, there are few requirements to be eligible. Applicants simply need to be within the age range of 50 to 80 years old to qualify. 

There are no eligibility requirements regarding health, medical conditions or other potential risk factors. 


The coverage amounts available under this burial insurance plan vary from $5,000 to $25,000. Applicants can select a value within this range at various increments, depending on how much coverage they anticipate needing. 

The policy covers more than just burial expenses in the event of the policyholder’s death. Gerber Life’s Guaranteed Acceptance insurance is a whole life insurance policy that also covers medical expenses and unpaid debt. It can be used to protect the policyholder’s family from incurring unnecessary costs after the policyholder’s passing.

Cash Value

A benefit of the Gerber Life Guaranteed Acceptance Burial Insurance is the ability to build cash value over the life of the loan. As time goes on and this value builds, the policyholder can borrow against the loan to cover various life expenses rather than taking out a personal loan from a financial institution. The cash value of the policy increases over time, so the longer the policy is in place, the more money accumulates to cover expenses after the policyholder’s death. 

If the policyholder decides to cancel their policy at any point before their death, they will receive a payout of the cash value they’ve built up until that point. The loan interest rate on Gerber Life policies is 8%. 

Fixed Rates

The premium rates and coverage amount are fixed as soon as the applicant receives approval for the policy. The fixed rates are locked in for the duration of the policy unless the policyholder decides to increase the coverage amount or make changes to the frequency of their payments. Changes to the policyholder’s health or increases in age have no effect on what the policyholder pays for the policy after the initial premium is agreed upon. 

Satisfaction Guarantee

All customers are guaranteed satisfaction with this policy from Gerber Life. They have 30 days from the plan’s start date to assess whether they’re happy with the plan, the premium amount and available coverage. Within the 30-day period, it’s possible to cancel the plan and receive a full refund for any amounts paid. 

Graded Death Benefit 

The Guaranteed Acceptance Burial Insurance policy from Gerber Life has a graded death benefit. This means there’s a period where the payout to beneficiaries is restricted under certain circumstances. With Gerber Life, these restrictions are in place if the policyholder dies of natural causes within the first 2 years of the policy. 

If this happens, beneficiaries receive the amount the policyholder paid in premiums, plus 10% during this 2-year period. After this time passes, they can receive the full amount that was agreed to when the policy was purchased. 

Application Process

The application process for Gerber Life’s Guaranteed Acceptance Burial Insurance is straightforward and convenient. Since acceptance is guaranteed, there’s no need to complete long questionnaires or receive medical examinations before getting an accurate quote. Individuals can request a quote online in four simple steps and receive their approximate coverage and premium amount immediately. 

Then, applicants simply apply via telephone or online to receive approval. Once approved, the policy is guaranteed to remain in effect for the duration of the policyholder’s life as long as they make their payments. 

Who Should Consider Gerber Life’s Burial Insurance? 

Adults and Seniors with Pre-Existing Medical Conditions 

Adults aged 50 to 80 should consider Gerber Life’s Burial Insurance, especially if they have pre-existing medical conditions or a history of health problems. These factors can often be obstacles to the approval of a life insurance application, which may result in seniors who need the coverage forgoing this important protection. However, with Gerber Life, acceptance is guaranteed. 

Adults and Seniors Looking for Reliable Coverage 

Gerber Life offers flexible coverage ranging from $5,000 to $25,000 with fixed premiums that never change for the duration of the policyholder’s life. The only time the premiums can change is if the policyholder wants to make changes to their coverage amount or payment schedule. Adults and seniors who want stability and security in their life insurance policy will appreciate these components of the plan. 

What Are People Saying About Gerber Life’s Burial Insurance 

Customers who bought Gerber Life’s Burial Insurance are leaving positive feedback for the company via testimonials on their website. One senior customer from Texas said that the company always provides friendly service and that the policy offers good coverage. She left a five-star rating based on ease of doing business, customer service and value for money. 

Another user from California says she has had her insurance policy from Gerber Life for 13 years and remains extremely satisfied. She also had a policy through Gerber Life for her mother, and when her mother passed away, she was happy with the way the company handled all matters. 

While most feedback is positive, one user from New York left a one-star review on the company’s website and said he was having trouble changing his payment method. He suggests that this process is more complicated than he expected. 

Frequently Asked Questions

What Does Burial Insurance Cover? 

Burial insurance can pay for funeral expenses, burial costs and the policyholder’s unpaid debts, or it can help loved ones financially. 

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What Type of Insurance Covers Burials? 

Burial insurance or life insurance are the types of policies to look for when seeking coverage for burial services. 

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How Do You Buy Burial Insurance? 

Individuals can buy burial insurance by selecting an insurance company they want coverage from and visiting their website. Typically, the individual requests an online quote and then either mails in a completed application form or fills out and submits the form online. 

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Do Burial Insurance Policies Have a Cash Value? 

Some burial insurance policies have a cash value, meaning the policy builds equity that the policyholder can borrow against, like a loan, over time. 

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How Does Burial Insurance Work? 

The insurance company pays out the agreed-upon amount to the policyholder’s chosen beneficiaries after they pass away. 

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