Senior Life Insurance

Find a Policy to Protect Your Family

You’ve spent your life providing for and protecting your family, so don't stop now. Gerber Life has great options for life insurance at any age. You can protect your loved ones with the many choices available to you.

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What is Life Insurance for Seniors?

Life insurance can help you to plan ahead and ease the financial burden on your loved ones. Use the resources below to explore your coverage needs and find a policy that's best for you and your family.

Do I Need a Medical Exam?

Some life insurance companies require you to undergo a physical and answer extensive health questions before they will consider your application for coverage. Other life insurance policies only require a few questions. Gerber Life offers a simplified process, making it easier to get life insurance.

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Why Do I Need Life Insurance?

There are many reasons why having some kind of family life insurance coverage is a good idea. We provide the details so that you can make the decision.

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How Much Life Insurance Do I Need?

This article can help you decide how much life insurance your family needs.

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Life Insurance Policies for Seniors

Term Life Insurance: Senior couple hugging and smiling

Family Plan Term Life

Provide greater financial security for your family for a specified timeframe.

Flexible coverage options available from $100,000 to $300,000.
Affordable coverage for as little as $15.42 a month for a 20-year, $100,000 Term Life policy.¹
Applying is simple — just a few questions to answer. No medical exam needed in most cases.²
Most applicants will have a decision within minutes.

The Family Plan Term Life insurance can help provide greater financial security for your family for a specified time - 10, 20 and 30 year terms are available.

Flexible coverage options available from $100,000 to $2,000,000.
Coverage for as little as $15.42 a month for a 20-year, $250,000 Term Life policy.¹
Applying is simple — just a few questions to answer. No medical exam needed in most cases.²
Most applicants will have a decision within minutes.

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¹ Premium based on a healthy 25-year-old female with monthly premium payment by automatic deduction from a checking or savings account.

² A medical exam may be necessary for those age 51 and over and who apply for more than $100,000 in coverage. Coverage is dependent upon answers to health questions. When you apply, you will need to answer several questions about your health and your medical history may be taken into consideration.

¹ Premium based on a healthy 30-year-old female for a 20-year, $100,000 Term Life policy with monthly premium payment by automatic deduction from a checking or savings account.

² A medical exam may be necessary for those who apply for more than $1,000,000 in coverage or if over age 55 who apply for more than $500,000 in coverage. Coverage is dependent upon answers to health questions. When you apply, you will need to answer several questions about your health and your medical history may be taken into consideration.

Guaranteed Life Insurance: senior couple sitting on grass, hugging

Guaranteed Life Plan

Guaranteed Life Insurance

Guaranteed Life Plan

Guaranteed Life Insurance

Guaranteed Life Insurance offers the benefits of whole life without a medical exam.

Coverage from $5,000 to $25,000.⁶
Guaranteed acceptance regardless of health for ages 50-80.⁷
Builds cash value.

Coverage is guaranteed regardless of health.
Hassle-free application process.
No medical exams or health questionnaires to complete.
Available to anyone between the ages of 50 and 80 years old.³

Guaranteed Life Insurance offers the benefits of whole life without a medical exam.

Coverage from $5,000 to $25,000.⁵
Guaranteed acceptance regardless of health for ages 50-80.⁶
Builds cash value.

Guaranteed Life Insurance offers the benefits of whole life without a medical exam.

Coverage from $5,000 to $25,000.⁶
Guaranteed acceptance regardless of health for ages 50-80.⁷
Builds cash value.

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⁶ Up to $15,000 for South Dakota residents.

⁷ Guaranteed coverage requires that applicant is a U.S citizen residing in the US or permanent legal guardian. Total limit of all combined Gerber Life Guaranteed life policies is $25,000. New York Residents, maximum age of 75.

³ To be eligible for coverage you must be a U.S. citizen residing in the US or permanent legal resident. Total limit of all combined Gerber Life Guaranteed Life policies is $25,000. Gerber Life Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children. New York residents, maximum age of 75.

⁵ Up to $15,000 for South Dakota residents.

⁶ Guaranteed coverage requires that applicant is a U.S citizen residing in the US or permanent legal guardian. Total limit of all combined Gerber Life Guaranteed life policies is $25,000. New York Residents, maximum age of 75.

⁶ Up to $15,000 for South Dakota residents.

Whole Life Insurance: Senior man and grandson fishing and smiling

Family Plan Whole Life

The Family Plan Whole Life insurance can protect your family for a lifetime, as long as premiums are paid.

Coverage amounts from $50,000 to $100,000
Simple application process — no medical exam needed in most cases³
Most applicants can have a decision within minutes
Builds cash value

The Family Plan Whole Life insurance can protect your family for a lifetime, as long as premiums are paid.

Coverage amounts from $50,000 to $1,000,000.
Simple application process — no medical exam needed in most cases.⁴
Most applicants can have a decision within minutes.
Builds cash value.

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³ Medical exam is required for age 51 and over and who apply for more than $100,000 in coverage. Coverage is dependent on answers to health questions. When you apply, you will need to answer several questions about your health, and your medical history may be taken into consideration.

⁴ Medical exam is required for those over age 55 who apply for more than $100,000 in coverage. Coverage is dependent upon answers to health questions. When you apply, you will need to answer several questions about your health and your medical history may be taken into consideration.

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Senior Life Insurance FAQs

For more information, check out some of the most frequently asked questions on the pages below. For even more information on life insurance, our friendly representatives are ready to answer any questions that you might have.