Is the Gerber Life Insurance Plan Worth the Money?


The Gerber Life Insurance plan is one that many people wonder about, especially first-time parents. Is the plan worth the money? Is the plan something you need? Do babies even need life insurance? There are so many questions you might ask about a plan such as this, and each of them is a valid question through and through. The simple fact of the matter is that life insurance is not always a necessity.

Don’t get me wrong; and hear me out. Life insurance is one of those things you definitely need, and something you might not need. It’s an option you should look into and purchase if the death of someone in your family will cause financial hardship (read; the primary breadwinner or working adults). If your child – God forbid – is to die now, will that present a financial hardship to your family? The answer is this; probably not. So with that statement unfortunately made, we’ve delved a bit deeper into this insurance plan to help you understand why it might or might not be worth it.

The Return

Gerber’s life insurance plan is a whole life plan, which is more expensive and better than a term plan, but it’s not all it’s cracked up to be. Essentially, all the money you pay each month to this plan is going to come back to you or your child in whole, but is that worth it? No. The return is not that great when you consider that you could take the money you’re paying toward the plan, invest it and make so much more in return.


At the end of the day, you’re looking to pay around $50 per month on this life insurance plan, or just about $600 per year. It might not seem like a lot, but it is a lot if you have more than one child and you have other things to pay for, such as formula and diapers and school, it might be an expense you cannot afford. However, if it is, then this does not apply to you.

Health Guarantees

The one reason you might want to seriously consider this option is that the plan is guaranteed to double when your child turns 18. Additionally, your child is then eligible to receive life insurance for as much as 10 times the original amount chosen and it doesn’t matter if he or she has any other health problems that might otherwise prevent him or her from obtaining life insurance, which is a major issue for those who suffer from illness or health problems.

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