SAVE LOVED ONES FROM COVERING YOUR FINAL EXPENSES
Do you jump into protection mode to take care of everyone in your family? At Gerber Life Insurance Company, we make it easy to prepare for the future and save your loved ones from burdens you can prevent.
Guaranteed Life is a whole life insurance policy that enables you to get life insurance protection in your later years, so your family members won’t have to take on the responsibility of covering any costly final expenses when you’re gone. With the cost of a funeral averaging over $7,000,1 and Social Security providing a one-time death payment of only $2552 (if you qualify), your family could be faced with a large funeral bill and other final expenses that may be difficult for them to pay.
A Gerber Life Guaranteed Life policy can cover you for up to $25,000 to help make life easier for your family at a time when they may need it most. So you can continue to be the hero to your loved ones that they know you to be.
BEING A HERO IS EASY WITH GERBER LIFE.
Gerber Life Insurance
Not FDIC Insured | Not Bank Guaranteed | Not a Deposit or Other Bank Obligation
FOR THE HERO IN YOU — WHOLE LIFE INSURANCE FOR ADULTS 50 TO 80 YEARS OLD
GUARANTEED ACCEPTANCE & MORE
• You can’t be turned down — Regardless of your health, if you are between 50 and 80 years old, your acceptance is guaranteed.
• You choose your coverage amount — U.S. Citizens and permanent legal residents can choose a guaranteed face amount from $5,000 to $25,000 (total of all combined Gerber Life Guaranteed Life policies is $25,000).
• No medical exams are required — There are no medical exams or lengthy health questionnaires to fill out.
• Beneficiary proceeds are generally not taxable — Under current federal law, the Guaranteed Life policy death benefit is not subject to federal income tax when paid to a named beneficiary.
• Your premiums never increase — Once you select the coverage amount you need, your premiums are guaranteed to never increase for as long as you hold the policy. You and your family will be protected at the same affordable premium rate, now and in the future, without spending a penny more.
HOW IT WORKS
Your death benefits for the first two years are graded — Gerber Life’s guarantee to accept applicants age 50 to 80 is made possible by a two-year Graded Death Benefit limitation. If death occurs within the first two policy years for any reason other than an accident, all premiums shall be paid to the beneficiary, plus an additional 10% of earned premium3 — the portion of paid premium that has been applied to the policy.
You are fully covered after the initial two-year period — After the two-year Graded Death Benefit period, if the insured dies for any reason, the full face amount of the policy shall be paid to the beneficiary.
PUT THE POWER OF GERBER LIFE BEHIND YOU
Since 1967, Gerber Life has been providing life insurance to families, helping them achieve financial security and insurance protection. You can depend on us to put you and your family first. And you can count on a strong and stable company with an “A” (Excellent) rating from A.M. Best.4 We look forward to helping you and yours. To learn more, please contact your insurance agent.
*Monthly rates shown above include a discount for ACH payments (preauthorized checking). The maximum face amount is$15,000 in South Dakota.
Gerber Life will not accept insurance applications for coverage submitted under a Power of Attorney or Guardianship on
the proposed insured, except from the permanent legal guardians of children.
FOR THE HERO IN YOU — WHOLE LIFE
INSURANCE FOR ADULTS 50 TO 80 YEARS OLD
1. 2015 National Funeral Directors Association (NFDA) General Price List Survey.
2. Social Security Administration website: http://www.ssa.gov.
3. If death is by suicide within two years from the Issue Date (one year in ND), the only amount payable will be all premiums paid for the policy plus an additional 10% of earned premium, less any debt against the policy.
4.In January 2019, A.M. Best, the impartial reporting firm that rates insurance companies on financial stability, management skill, and integrity, has awarded Gerber Life an “A” (Excellent) Rating. This rating is the third highest awarded out of 13 possible categories. The rating refers only to the overall financial status of the Company and is not a recommendation of the specific policy provisions, rates or practices of the Company.
Guaranteed Life is issued in all states except MT. Exclusions and limitations can vary by state. Please refer to the policy for limitations and exclusions that may apply.
Policy Form ICC12-GWLP and Policy Form Series GWLP-12.
Coverage and benefits are subject to Gerber Life Insurance limits. Gerber Life Insurance is a trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company. Copyright © 2019 Gerber Life Insurance Company, White Plains,
I am James Sparkman. I am the founder and CEO of TermLife Mutual. I am afamily-oriented person. My wife and I have been married for over 20 years! We have 5 children. We have 2 set of twins and 1 middle child. Since joining the financial services industry in 2004, I have made it my focus to help individuals, families and business owners save money on life insurance costs, reduce taxes, protect assets, build wealth and eliminate debt. While I try to help everyone that I can, I particularly enjoy working with those that seek to enjoy the journey of life.
TermLife Mutual is a life insurance agency that primarily provides individuals, families, and business owners with Term Life insurance. While TermLife Mutual’s flagship product is Term Life insurance, we do have other insurance products and services. Our goals are to help insure America with quality life insurance.
We work with multiple life insurance companies however our primary partner is Haven Life who are wholly owned by MassMutual Life insurance company. MassMutual is an A+ rated life insurance company that has been around for over 160 years.
Most of life insurance industry is still catching up with the times of internet and technology. Most life insurance is still sold thru a life insurance agent. At TermLife Mutual, we have partnered up with one of most up-to-date technology to allow our clients to purchase life insurance without the need for agent nor medical exams (no needles). This is our strong point that separates us from most life insurance agencies. We have platform that you can complete a quick application in less than 10 minutes without the need for agent. Our partners at
has the technology and secure site for quotes and applications for our products and services. Amazingly this technology was developed by Levinson and Associates, who are leading the way in advancing life insurance products. Once you decide on the amount of your term life insurance, you can simply click for quote, scroll down until you see the LIFE icon, receive quote and then move forward with a simple application. We welcome you to the family of TermLife Mutual!