Gerber Life Grow-Up Plan Review [2025]

What is the Grow-Up Plan with Gerber? For 57 years, Gerber has offered life insurance for children through the Gerber Life Grow-Up Plan. The plan acts as a Gerber savings account for babies to use when they age.

Life insurance is a great way to protect relatives financially after you die, and getting Gerber baby insurance secures low rates for a lifetime.

Interested in life insurance for a baby? Read more in this Gerber Life Grow-Up plan review about whether a Gerber Grow-Up Plan cash out is possible and if you can buy a Gerber whole life insurance policy. Then, enter your ZIP code into our free quote tool above get instant Gerber kids life insurance quotes.

How the Gerber Life Grow-Up Plan Works

How does the Gerber Grow Up Plan work? The Gerber Life Grow-Up plan, also known as the Gerber Enhanced Grow Up plan, is whole life insurance available for children under the age of 14. Coverage ranges from $5,000 to $50,000, and Gerber promises your coverage will never decrease, and your rates won’t increase.  Since the Grow-Up plan is whole life insurance, it covers your child for the rest of their life.

When your child turns 18, the coverage on the plan doubles. That means that if you buy the maximum coverage — $50,000 — it will double to $100,000 when your child turns 18. Your rates won’t increase, and you don’t have to do anything to get it — Gerber automatically does it.

Another benefit of the Gerber life insurance Grow Up plan is that it includes a payment waiver add-on free of charge. This add-on will waive payments on the plan until the child turns 21 if the original purchaser dies or becomes disabled.

Like other permanent life insurance policies, the Gerber Life Grow Up plan accumulates cash value with every payment you make. Your child can use the accumulated value in the future for whatever they’d like. College tuition or a down payment on a house are common uses. (For more information, read our “Is Tuition Insurance Worth It?“).

The most common customers of the Gerber baby Grow Up plan are parents or guardians, but grandparents are also welcome to buy it. This policy is available in all 50 states, and rates cost the same for boys and girls except in California and Florida.

Your child does not have to take a medical exam to qualify, meaning you can give them insurance coverage for the rest of their lives no matter what health conditions they might develop as adults.

Of course, it’s critical to always read Gerber Grow Up plan reviews from policyholders to see if the program is right for your child’s needs. Now that you know the answer to, “How does Gerber Grow Up work?” we’ll overview how your kid can get more

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

How a Child Can Buy More Gerber Plan Coverage Later

With Gerber, the Grow Up Plan provides several opportunities for your child to increase their coverage without taking a medical exam. Once your child turns 18, they become the policy owner and can purchase more coverage at specific times.

Gerber allows the new policyholder to increase coverage at the following times:

• Age 21
• Age 25
• Age 30
• Age 35
• Age 40
• Upon getting married
• When they have their own kids

Buying more coverage will increase how much they pay per month, but it’s good to know they have the option without worrying about being denied.

Gerber Life Grow Up Plan Cost

Gerber isn’t the only provider of children’s life insurance, and many competitors offer cheaper coverage. Part of the reason that Gerber insurance runs so high is that the coverage doubles when your child turns 18.

So, how much is the Gerber Grow Up plan? To get an idea of the Gerber Grow Up plan cost for you, check out the table below.

Life Insurance Monthly Rates for Children by Age & Provider

As you can see, while Gerber life insurance for children offers quality, reliable policies, rates tend to be higher than competitors. So, it’s important to shop for quotes when you need insurance — you might find cheaper rates with other companies than with the Gerber baby fund.

Wondering how much cash value you’ll accumulate? Check out the Gerber Grow-Up Plan cash value chart below to see what you could earn based on your coverage amount:

Gerber Life Insurance Grow-Up Plan: Rates & Cash Value by Coverage Amount

For example, Mutual of Omaha is a popular choice for life insurance for children. Mutual of Omaha has similar coverage options at a lower price. Check out our Mutual of Omaha life insurance review to see if the company offers cheap life insurance for your kid.

Read more: How To Cancel Your Gerber Life Insurance Policy

So, now that you know the answer to, “How much does Gerber life insurance cost?” we’ll overview other types of Gerber life insurance for adults.

Other Types of Gerber Life Insurance

Gerber sells a variety of life insurance products. While its children’s life insurance is its most popular product, it also sells adult coverage.

Adults can buy term, whole, and guaranteed life insurance. You can also purchase accident protection if you want a cheaper policy that will help your loved ones in case you die in an accident.

For children, you can buy the Gerber Life Young Adult plan. This plan works similarly to the Grow-Up plan but is available for teens aged 15 to 17.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Why a Child Needs Life Insurance Coverage

People usually purchase life insurance to protect a spouse or partner from financial hardship after death. Life insurance is less common for children, but it’s not a bad investment. In truth, most babies don’t need life insurance. Most babies group up healthy, and parents don’t need to worry about having life insurance coverage. Life insurance plans aren’t the best savings plans, either.

 

View this post on Instagram

 

A post shared by Gerber Life (@gerberlife)

One of the only unique benefits to buying your child a life insurance policy when they’re young is that it guarantees they’ll have access to coverage later in life. Additionally, the younger you buy life insurance, the cheaper your rates will be.

The Gerber Grow Up policy guarantees your child the ability to purchase more life insurance coverage until they turn 40, which is another benefit to buying coverage for your baby. Other than the benefit of being able to buy more coverage later in life, there are other options available to help you save for your baby’s future that might work better.

Gerber Baby Plan Reviews From Customers and Financial Raters

Parents have trusted Gerber with their babies since 1927. Today, the Gerber baby is synonymous with quality infant care products.

As for its Grow-Up plan, Gerber baby insurance reviews for customer service are good. Most customers have good things to say about The Gerber Life Insurance Company, including how easy it is to start a life insurance policy. Gerber makes it simple to manage your policy online, and you can always call the customer service number if you run into problems.

However, some Gerber baby life insurance reviews also have complaints. For starters, many parents are surprised by the amount of Gerber Grow Up Plan cash value the policy accumulates.

This may lead you to wonder, “How much cash value does the Gerber Grow Up plan accumulate?” For example, if you buy the maximum amount of coverage, the plan would accumulate $9,420 after 25 years of payments.

Some parents expect more accumulation and are disappointed that the Grow-Up plan won’t pay for four years of university tuition. If saving for college is your goal, there are better options elsewhere.

In addition, Gerber Life Grow Up plan reviews from professional raters are good. For example, A.M. Best rates companies on their financial strength. The better the company is ranked, the more likely it is that it can pay your claim. Gerber receives an A, meaning the company is financially secure. The Better Business Bureau (BBB) gives Gerber an A+ for its ability to resolve customer complaints.

Find Gerber Life Insurance Rates That Work for You

What exactly is the Gerber Grow Up plan? Life insurance for children by Gerber can be an investment in your child’s future and one you’ll pay into for a long time. It’s important to find the right plan for your needs. The Gerber life insurance plan might be the best choice for your child if you’re interested in life insurance coverage for them.

There are a variety of options out there that can help you plan for your child’s future, and the Gerber baby life plan is one of them. However, you should always explore your options and check out Gerber life insurance reviews to find the best plan for your child’s needs.

Enter your ZIP code into our free comparison tool below to instantly get a Gerber baby life insurance quote.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption