Whole Life Insurance · Coverage That Grows With Them
Protect Their Future Today
Whole life insurance coverage from $10,000 to $50,000 that grows with your child — designed to give families long-term peace of mind and guaranteed protection.
Get a Free Quote →✓A.M. Best A+ (Superior) Rated • 50+ Years Trusted by Families
Coverage That Grows Right Alongside Them
From 14 days old through their teenage years, the Gerber Life Grow-Up® Plan provides a steady foundation of whole life insurance protection — one that stays in force through every milestone.
Baby & Infant
Eligible from just 14 days old. Starting early locks in the lowest premiums — rates that never increase for the life of the policy.
School Age
As they grow, the policy quietly builds cash value in the background — creating a financial nest egg for their future.
Teen & Beyond
At age 18, coverage automatically doubles with no additional premium. A $50,000 policy becomes $100,000 — regardless of health.
Why Families Choose Coverage Early
Premiums Never Increase
Lock in affordable rates that are guaranteed not to increase — even when coverage doubles at age 18.
Coverage Doubles Automatically
At age 18, the face amount doubles at no extra cost. A $50,000 policy grows to $100,000 regardless of health.
No Medical Exam Required
A simple, straightforward application — up to six children can be included on one application with no health exam needed.
Guaranteed Future Insurability
The Guaranteed Purchase Option gives your child four opportunities to buy additional coverage as an adult — up to $400,000 more — without proof of insurability.
Watch Their Coverage Grow
At age 18, the coverage amount automatically doubles with no additional premium required — no health questions asked.
Plus up to $400,000 additional coverage available through the Guaranteed Purchase Option — no proof of insurability required.
Zareth Gray
Most people just call me Z.
Since 2013, my mission has been the same: make sure families are protected before they need to be. No GoFundMe pages. No passing a hat. No stress on the worst day of their lives. Just peace of mind, already in place.
Most people don't even know Gerber Grow-Up Plans exist. For about the cost of a pizza each month, you can secure a child $10,000 in permanent coverage starting at just 14 days old. Life insurance only gets more expensive with age. This is how you beat that clock.
How It Works
Request a Free Quote
Share a few quick details about your child's age and desired coverage amount ($10,000–$50,000). No pressure, no obligation.
Choose Your Coverage
Review simple options and pick what fits your budget. No medical exam required — the application process is straightforward.
Protect Their Future
Your child gains whole life coverage with a 30-day free look period. If it's not right, cancel for a full premium refund.
Frequently Asked Questions
It's a whole life insurance policy for children that stays in force through all life's stages — from infancy through retirement. The coverage automatically doubles at age 18, and the policy builds cash value over time that can be accessed later in life.
Children from 14 days to 14 years old are eligible. You can choose a coverage amount between $10,000 and $50,000, and up to six children can be included on a single application.
No. There is no required health exam. The application process is designed to be simple and quick for busy families.
The coverage amount automatically doubles during age 18 with no additional premium required — regardless of health. For example, a $50,000 policy becomes $100,000. At age 21, the child becomes the policy owner.
The insured child, as an adult, gets four opportunities to buy additional insurance (at certain ages and life events) without proof of insurability. Each new policy can be up to the coverage amount in force at age 18 — potentially adding up to $400,000 in additional coverage.
For an additional cost, this optional rider covers all premium payments if the policy owner becomes totally disabled or dies before the child's 21st birthday. The owner must be between ages 18 and 50 to purchase it.
Simply request a free quote. It only takes a few minutes, and there's no obligation. Plus, every policy comes with a 30-day free look period — if it's not right for your family, cancel within the first 30 days for a full premium refund.
Give Them a Head Start Today
Take a simple first step toward protecting your child's future — with whole life insurance that's guaranteed to grow with them from rattles and report cards to retirement and rocking chairs.
Get a Free Quote →✓A.M. Best A+ Rated • No Medical Exam • 30-Day Free Look Period
Policy will remain in force, premiums are guaranteed not to increase, and the cash value and death benefit are guaranteed as long as premiums are paid on time and within the grace period specified in the policy. The cash value and death benefit will be reduced by any policy loans. Policy loan interest rate is 8%. Gerber Life Insurance Company, White Plains, NY.