Gerber Life Guaranteed Issue Agent Appointment

Gerber Life's Guaranteed Issue plan gives final expense agents a safety-net option. Independent agents can get appointed with Gerber Life through Agent First.

Gerber Life’s Guaranteed Issue product has become one of the most recognized guaranteed issue final expense plans in the industry. For independent agents, Gerber Life can be a valuable option when working with clients who may not qualify for simplified issue coverage because of severe health conditions or difficult prescription histories.

Agents contracting through Agent First Contracts receive a direct contract with Gerber Life. Agents are paid directly by the carrier and maintain direct access to their business.

Why Final Expense Agents Use Gerber Life Guaranteed Issue

Every experienced final expense agent eventually runs into situations where traditional simplified issue underwriting simply is not going to work. That is where guaranteed issue products become important, and Gerber Life is one of the most recognized names in that market.

Gerber Life Guaranteed Issue can help provide another option for clients with serious health conditions who still want permanent life insurance coverage for funeral expenses and final bills.

Because of Gerber’s strong consumer name recognition, many clients already feel comfortable with the brand before the presentation even begins. That familiarity can help create a smoother conversation in the home.

• Direct carrier contract
• Paid directly by the carrier
• Competitive commission opportunities
• Guaranteed issue whole life coverage
• No health questions on eligible applications
• No medical exams required
• Strong brand recognition
• Useful for difficult health situations
• Valuable backup option for final expense agents

Gerber Life Guaranteed Issue Product

Gerber Life Guaranteed Issue is designed for applicants who may not qualify for traditional simplified issue life insurance because of health conditions or prescription history. The product provides permanent whole life coverage intended to help families with funeral expenses, medical bills, and other end-of-life financial obligations.

Because the product is guaranteed issue, applicants cannot be declined due to health history as long as eligibility requirements such as age and state availability are met.

Like most guaranteed issue products in the industry, Gerber Life Guaranteed Issue generally includes a graded death benefit period during the early policy years for non-accidental death claims.

A Valuable Safety-Net Carrier

Gerber Life can become a very important “safety-net” carrier for final expense agents. Not every client qualifies for level benefit or simplified issue products, and having a recognizable guaranteed issue option available helps agents avoid walking away without any solution.

Many agents keep Gerber available specifically because it gives them another opportunity to help clients who have severe health conditions, extensive prescription histories, or recent medical events.

While guaranteed issue products are not always the first choice when level coverage is available, they can still provide meaningful protection for families who otherwise may have no coverage options at all.

Who Gerber Life Guaranteed Issue Is Best For

Gerber Life Guaranteed Issue is a strong fit for agents who:

• Work difficult health situations regularly
• Need guaranteed issue options available
• Serve seniors with severe medical conditions
• Want another backup placement option
• Need a recognizable consumer brand
• Write final expense consistently
• Want to improve overall placement opportunities

Contracting Information

Agents contracted through Agent First Contracts receive:

• Direct contract with Gerber Life
• Paid directly by the carrier
• Access to Guaranteed Issue whole life products
• Independent agent opportunity
• Competitive commission opportunities
• Access to guaranteed issue placement options

For many final expense agents, Gerber Life serves as an important guaranteed issue solution that helps provide coverage opportunities for clients who may not qualify elsewhere.

Frequently Asked Questions

Is Gerber Life good for final expense agents?

Yes. Gerber Life is widely used as a guaranteed issue option for clients who may not qualify for traditional simplified issue coverage.

Is this a direct contract?

Yes. Agents receive a direct contract and are paid directly by the carrier.

Does Gerber Life Guaranteed Issue require health questions?

No. Gerber Life Guaranteed Issue does not require health questions on eligible applications.

Can applicants be declined for health reasons?

No. Guaranteed issue products are designed so eligible applicants cannot be declined because of health history.

Why do final expense agents keep Gerber Life available?

Many agents keep Gerber available because it provides another solution for difficult health situations where simplified issue products may not be available.

Get Contracted with Gerber Life

If you are looking for a recognizable guaranteed issue final expense carrier with strong brand recognition and a direct contract paid directly by the carrier, Gerber Life can be a valuable addition to your portfolio.

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