Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 6, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Gerber and United both offer term and whole life insurance coverage, along with other options, riders, and add-ons
  • United Home life insurance rates tend to be cheaper
  • Gerber Life has an A rating with A.M. Best

If you’re curious how Gerber Life vs. United Home Life compare when it comes to life insurance coverage, we’ll discuss both companies, what they have to offer, and how they compare in the article below.

Shopping around to find the best life insurance companies for your lifestyle shouldn’t feel like a gamble.

Once you’ve learned more about Gerber Life vs. United Home Life rates and coverage options, enter your ZIP code above to compare life insurance from top companies.

Do Gerber Life and United Home Life offer the same products?

If you are searching for affordable Gerber Life vs. United Home Life insurance, you will see that both companies offer whole and term life insurance.

Each company has specific options and offerings, and both include add-ons in their coverage choices.

Gerber Life Grow-Up Plan and Other Options

Gerber Life insurance offers coverage in four separate stages: Grow-Up Plan, term life, whole life, and guaranteed life.

The Gerber Grow-Up Plan is geared toward children under the age of 14. With this plan, coverage immediately doubles when the child turns 18. Money put into this plan builds cash value and can be used by your child to help with unexpected expenses.

With the Grow-Up Plan, children can add more coverage or increase the amount of coverage once they turn 18.

Gerber Life’s term life insurance policy is for individuals anywhere from 18-70 years old. Term coverage can range from $100,000 to $300,000. Premiums start as low as $15.42 a month and will never increase.

Most individuals will not need to complete a medical exam for coverage, and you can decide on the term length — anywhere from 10-30 years.

Gerber Life Insurance’s whole life coverage is also for individuals anywhere from 18-70 years old. This coverage allows individuals to pick their coverage amount and does not require a medical exam.

Each premium payment accrues a set amount of cash value. The longer you own the policy, the higher the amount builds.

Lastly, Gerber Life offers guaranteed whole life coverage to individuals 50-80 years old, regardless of a person’s health history.

Gerber’s guaranteed life insurance coverage provides protection to help cover final expenses, such as medical bills, burial costs, and unpaid debt.

United Home Life Products

Similar to Gerber Life, United Home Life offers whole and term life insurance, as well as accidental death and coverage specific to individuals with diabetes.

United Home’s whole life coverage comes in two forms:

  • Simplified Issue Whole Life: United Home offers four products with varying levels of underwriting, based on a person’s health history, that can be custom-tailored to meet any and all coverage needs.
  • Guaranteed Issue Whole Life: This plan offers coverage up to age 100 without any health questions or underwriting. You cannot be turned down due to your health, even if you’ve been denied coverage in the past.

With United’s term life options, there are four separate categories:

  • Simple Term 20: A level death benefit term life insurance plan with an initial level premium guarantee period of 20 years. Simple Term 20 is available with four optional riders.
  • Simple Term 30: A level death benefit term life insurance plan with an initial level premium guarantee period of 30 years. At the end of 30 years, premiums increase on an annual basis. Simple Term 30 is also available with four optional riders.
  • Simple Term 20 ROP: A level death benefit term life insurance product with an initial level premium guarantee period of 20 years and includes a return-of-premium feature; the plan builds up a guaranteed cash value that can be used to “return” the total annual premiums paid through the end of the initial term period.
  • Simple Term 20 DLX: A level death benefit term life insurance product with an initial level premium guarantee period of 20 years. At the end of 20 years, premiums increase on an annual basis. Simple Term 20 DLX is available with three optional riders.

United Home also offers accidental death insurance, with up to $200,000 in coverage to help pay for debt and other expenses in the event of a person’s untimely and accidental passing.

Lastly, United Home offers life insurance coverage specifically for people who are diabetic. Individuals looking for type 1 diabetes life insurance coverage can choose from either an Express Issue Whole Life plan or Simple Term 20 DLX.

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Does Gerber Life or United Home Life have lower rates?

Because Gerber and United Home offer similar products and coverage options, most people want to know which company ends up being less expensive.

While all life insurance rates are based on a variety of factors, a sample of the two companies’ rates for men based on age appears below:

Gerber Life vs. United Home Male Whole Life $10,000 Policy Average Monthly Rates by Age
AgeGerber Life Average Monthly RatesUnited Home Average Monthly Rates
Age 50$44.09$39.51
Age 60$63.89$50.11
Age 70$99.18$74.81
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As you can see, while the companies are quite similar to one another, United Home is a bit cheaper when it comes to life insurance rates.

How do Gerber Life vs. United Home Life compare on financial ratings?

Policyholders with Gerber can let out a sigh of relief. A.M. Best recently affirmed the company’s A rating. This means Gerber Life is both stable and viable and is at no risk of failing to uphold contracts with its policyholders.

United Home Life Insurance Company received an A- from A.M. Best, which means the company ranks just a step below Gerber and is still considered. excellent.

How do Gerber Life vs. United Home Life insurance quotes compare?

While life insurance rates vary from one person to the next, one of the best ways to compare premium costs is by getting a quote.

When you research Gerber Life vs. United Home Life insurance quotes, you’ll find that both companies offer life insurance quotes on their websites.

Additionally, once you become a policyholder with United, you can simply use your United Home Life login to access your policy information.

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Gerber Life vs. United Home Life: The Bottom Line

It is ultimately up to you to decide what you want and need from your life insurance coverage. Examining Gerber Life vs. United Home Life insurance companies should give you a good idea of what it is you’re looking for.

Before you decide to buy Gerber Life vs. United Home Life insurance, you need to know exactly what you’re looking for and how much you can afford to pay for life insurance coverage.

After considering Gerber Life vs. United Home Life insurance rates, enter your ZIP code below to see rates from other companies and find one that works for your budget.