Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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: Jul 16, 2021

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The Brief

  • There are cheaper alternatives to Gerber Life
  • Gerber Life has an eService portal for consumer needs
  • Gerber Life does not charge a surrender fee

If you have a policy with Gerber Life and need to make a change, don’t worry. We’re going to tell you how to cancel a Gerber Life insurance policy in three easy steps.

We’ll tell you how to surrender Gerber Life insurance, and give you some replacement options and contact methods.

Before you learn how to cancel Gerber Life insurance company coverage, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

What is Gerber Life’s cancellation policy?

One great thing about Gerber Life is the simplicity of its cancellation policy. Essentially, if you close out your policy, you will not have to pay a surrender fee.

According to the Insurance Information Institute, a surrender fee reduces your surrender cash value, which is the amount received upon policy cancellation.

Furthermore, no matter when you cancel the policy, you will receive the accumulated cash value minus any outstanding debt against the policy. This applies to your policy no matter which type you have.

As long as the premiums are paid on time, Gerber Life cannot cancel your policy. This is applicable to both term life and your child’s whole life insurance policy.

Let’s move on to the second step: comparison shopping.

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How to Cancel Gerber Life Insurance: Finding a Replacement

Now that we’ve covered the first step — knowing what you’re in for in terms of possible fees — let’s go over step two: finding a replacement.

The following table compares Gerber’s male whole life insurance rates for a $10,000 policy with Liberty Bankers’.

Gerber Life vs. Liberty Bankers Male Whole Life/$10,000
AgeGerber Life Average Monthly RatesLiberty Bankers Average Monthly Rates
Age 50$44.09$30.51
Age 60$63.89$45.80
Age 70$99.18$73.31
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As you can see, Gerber is consistently more expensive than Liberty Bankers. In short, you can find a cheaper alternative. Now, let’s wrap up with how you can contact Gerber Life.

Contact Options For Gerber Life Insurance

Now that you know what’s in store for you if you cancel and you’ve considered replacement options, what do you have to do to cancel a Gerber Life insurance policy?

Gerber Life encourages its insured to access the 24/7 eService portal. However, you can also call the Gerber Life customer service phone number: (800) 704-2180. The hours of operation are Monday through Friday 8 a.m. to 7 p.m. (ET).

Now that you know how to cancel Gerber Life insurance, type your ZIP code into our free and helpful tool below to find affordable life insurance companies near you.