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GERBER LIFE INSURANCE FULL
GERBER LIFE INSURANCE PLUS

Rock or mountain climbing or aeronautics (hang-gliding, skydiving, parachuting, ultra light soaring, ballooning and parasailing).

Riding or driving in an air, land, or water vehicle in a race, speed, or endurance contest.

Intoxication as defined by the jurisdiction where the accident occurred.

Voluntary intake or use by any means of (a) any drug, unless prescribed or administered by a physician and taken in accordance with physician instructions, or (b) poison, gas or fumes, unless as a result of an occupational accident.

Death occurring while the insured is incarcerated committing or attempting to commit a felony.

Active participation in a riot, insurrection or terrorist activity.

Travel in an aircraft or device used for testing or experimental purposes, used by or for any military authority, or used for travel beyond Earth’s atmosphere.

Travel in or descent from an aircraft, if the insured acted in a non-passenger capacity.

Death resulting from suicide or intentionally self-inflicted injury.

Disease or infirmity of the mind or body, including medical or surgical treatment for such disease or infirmity.

To qualify as death from accidental causes, the death must occur while the policy is in force and within 180 days following the date of the accidental injury as defined further by the policy.Ī death benefit will not be paid for an Accidental Death if death is caused or contributed to by or while doing the following: Policy ExclusionsĪccidental Death: Death is considered accidental if it occurs as a direct result of, and within 180 days of, an accidental bodily injury.

GERBER LIFE INSURANCE PLUS

If the insured dies by suicide within two years from the Issue Date (one year in ND), the only amount payable will be the premiums paid for the policy plus 10%, less any debt against the policy.

GERBER LIFE INSURANCE FULL

If death is due to accidental causes within the first two policy years, the full death benefit shall be paid to the beneficiary.Īpplicant may qualify for a full death benefit policy that provides full benefits from inception.Īfter the two-year Graded Period, if the insured dies for any reason, the full face amount of the policy shall be paid to the beneficiary. If death occurs within the first two policy years for any reason other than an accident, all premiums plus 10% interest shall be paid to the beneficiary. It applies to the first two years of coverage when the policy is issued.

The reason that Gerber is able to guarantee acceptance to all applicants ages 50 to 80 is because these plans involve a Graded Death Benefit. Similar to any other guaranteed life insurance policy, you are guaranteed to be approved as long as you meet the age eligibility criteria. Gerber’s guaranteed acceptance burial insurance product is the best option if you are looking for permanent life insurance coverage that will help you meet your final expenses. When your rate goes down, Gerber automatically reinstates your previous premium rate until you complete your plan.įinally, Gerber credit security add-on pays up to $100,000 of existing debt if you pass away. Gerber life only offers non-medical term life insurance options that will not affect an individual’s current health status.Ī savings rider can be added to Gerber’s classic policy at any time, whether the child is 0 or 10 years old. Their plans offer simplified issued whole life insurance policies to make it affordable for everyone in need of financial protection. Once you have chosen a Gerber life product, there are no health questions to answer, and Gerber doesn’t require a medical exam.