Gerber No Exam Life Insurance Review
Gerber is just one of the many No Exam Term Life Insurance companies we carry, and you can see them all by entering your information in the quote tool to the side of this Gerber No Exam Life Insurance Review.
If you prefer to talk to someone immediately, give us a call at 1-844-528-8688 to find out if a Gerber No Exam Life Insurance Policy is right for you.
There are certain things in our minds which are immediately linked together. For some people, it’s the Ford Company and cars. Others it might be computers and Microsoft or Apple. When it comes to families, especially young families, few names are as immediately thought of as Gerber.
With the name recognition that Gerber Life Insurance invokes we would not be doing our job if we did not provide a review of Gerber No Exam Life Insurance.
Gerber Life Insurance Company History
The Gerber family of businesses and corporations have made it their sole purpose since 1967 to offer a helping hand to new families and all its members young and old. Not only through the vital nutritional offerings from the Gerber Products company, affectionately known as the “baby food people”, but also through the Gerber Life Insurance Company.
The two affiliate companies both hold the same focus of serving children and families for the greatest possible good and tirelessly pursue quality service and product offerings.
As is always the case with a perspective customer, you probably have a lot of questions about life insurance and the policies offered with Gerber. The fact of the matter is that many policies offered at one company are found at others. What sets specific policies apart though are the companies themselves and how they operate as providers and customer service people.
While there are endless things that can be said in favor of the tremendous work that Gerber employees do for life insurance policy holders, first things first: you need to know what you are looking at.
Gerber No Medical Expense Term Life Insurance
Here is what a standard Term Life Insurance Policy with Gerber looks like. The purpose of term life insurance is to set a predetermined period over which the customer will make monthly payments for life insurance coverage. These allotted times come in 10, 15, 20, and 30 year spans.
The intent and purpose of these terms are so that the rate, which is initially set, is the cost of your monthly payment for the agreed upon length. This is to say that the rate you pay for month 1 of coverage or year 1 should be the same rate you pay for month 12 or year 20.
The average coverage ranges from $25,000-$150,000 and the age of those insured goes from about 18 to 50 years old.
Now, for anyone familiar with the terms and conditions of some other life insurance providers, they might be wondering “what about the medical exam?” For those concerned about the risks of smoking or being told that they have a pre-existing condition which will raise the rate of their premiums, be advised: there is no medical exam.
You read that right, there is no medical exam required for those insured under any length of term life insurance with Gerber.
Moreover, the employees of Gerber Life Insurance Company stand by their dedication to customer service and delivering their products. When they say non-adjusting and non-increasing term life insurance policies, they mean it.
Gerber Term Life Insurance Underwriting
They will not use pre-existing medical conditions to increase your monthly premiums. Gerber prides itself on being one of the most competitively priced life insurance companies in business today with uncompromising service.
Hearing that, one must wonder exactly what evidence there is to support such a claim. One would not need to look much further than the highly regarded third party raters which make it their business to see others doing good business.
Gerber Life Insurance Company Ratings
Among the most highly respected is of course A.M. Best which seeks to accurately grade the quality of life insurance companies and the services that they provide. Gerber Life has obtained the highly regarded rating of A (Excellent), which is based on the factors of its financial stability, management, and integrity as determined by the independent raters of A.M. Best.
Furthermore, the customers of Gerber Life Insurance, meaning the actual living, breathing consumers of Gerber life insurance products have awarded them with 91% positive ratings and feedback. This also equals out to a 4.4 out of 5.0 in regards to all aspects of customer service and interaction Gerber Life Insurance across the board.
When it comes right down to it, choosing life insurance is no small task. It is one that should be approached with a lot of due consideration and patience. What your choice really comes down to is the sense of trust that you have between yourself and the company you buy from.
LJM Life Insurance and Gerber know that and with the same quality reputation their sister company has earned for the nutrition of your children, Gerber Life Insurance will see to it that you, those you love, and everything you need is taken care of without exception.
For a FREE quote on a Gerber No Medical Exam Term Life Insurance Policy call us today 1-844-528-8688. Although they only offer guaranteed issue products for folks 50 and over, they are still a great company.
If you really need a term policy in a hurry, check out these carriers for term life insurance options.