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The answer is always yes

We teamed up with Gerber Life to provide guaranteed coverage for seniors. Apply now for life insurance in minutes.

The answer is always yes

We teamed up with Gerber Life to provide guaranteed coverage for seniors. Apply now for life insurance in minutes.

Life insurance that’s made for you—guaranteed*

A tree.

Designed for seniors

If you’re between 50 and 80 years old, you’re eligible for life insurance coverage that’s tailor-made for seniors.

Thumb Up.

No labs, no worries

Everyone who applies is guaranteed coverage, even if you’ve been denied before or have a high-risk condition. No lab tests to take or hoops to jump through.

A Hourglass.

Quick and easy

You can be insured in just minutes. That means the peace of mind of being covered is just a few clicks away. Don’t wait—apply today!

Backed by more than 50 years of insurance know-how.

Fabric teamed up with Gerber Life to bring you policies issued by Gerber Life Insurance. For more than 50 years, Gerber Life has been providing budget-friendly life insurance for the entire family, so that children and adults can have greater financial protection. Founded in 1967 by the Gerber Products Company, we share a common heritage and values in caring for the millions of families who place their trust in us. Rated “A” (“Excellent”) for financial strength by A.M. Best.*

Gerber Life Insurance
A+ Rated

Why do seniors need life insurance?

Seniors have different uses for life insurance than younger folks who are often supporting children or paying down mortgages.

Medical care

If you fall ill or otherwise need care toward the end of your life, it can be incredibly difficult for your loved ones — both emotionally and financially. The cushion of a life insurance benefit can help relieve the burden.

Debt repayment

If you have credit card debt, loans or a mortgage, the assets of your estate will go toward paying off those debts. If you had joint debt with a spouse or other loved one, they will be responsible for that debt. Your loved ones can use money from a life insurance benefit to pay back debt and preserve your other assets.

Final expenses

A life insurance benefit gives your loved ones the money they need to pay for your final expenses, including a funeral, a burial or cremation, and more. Knowing these expenses are paid for can make a difficult time a bit easier.

An older woman on the hammock

So how do you get life insurance as a senior?

01

Understand your life insurance goals

Examine your financial situation and figure out how much you need to cover your final expenses, to pay off debts or other financial needs your loved ones may have.

02

Decide on a coverage amount

$5,000 - $25,000 of coverage is available without a medical exam. Determine what amount fits your needs and budget.

03

Choose a beneficiary

This may be your spouse or a child, or whoever you want to receive the money when you pass away.

04

Get approved automatically

This is the easy part. You’ll be coverage regardless of age, health or other factors (with a few exceptions).

05

Make your first payment

Once you pay your first monthly premium, your policy is active.

06

You’re covered

Rest easy knowing that your loved ones will be financially supported after you’re gone.

Thinking about life insurance options by age

Your life insurance needs change as you grow older.
Here’s an idea of why you may need life insurance as a senior, depending on your age.

Life insurance when you’re in your 60s

When you hit your 60s, your children are likely out of the house and living on their own. College expenses are probably in the rearview mirror. But every situation is different, and you or your spouse may still be working to support yourselves or others.

Example:

“Kim is 61. She and her husband both work full time. Their income goes toward living expenses like their mortgage, plus travel to see their grandkids. She wants to buy a $25,000 life insurance policy, which would be enough to pay off their mortgage. That way, if she passed away, her husband could dedicate his income to visiting their grandkids without worrying about mortgage costs.”

Life insurance when you’re in your 70s

In your 70s, you are likely living off your retirement savings, Social Security or a combination of both. If you don’t deplete your savings before you pass away, that money will go to your beneficiaries. But there are other reasons you may need life insurance.

Example:

“Tomas is 73, and although he has enough retirement savings to get him through, he probably won’t leave much behind for his adult daughter. He doesn’t want the cost of his funeral and final expenses to take a bite out of her budget. That’s why he bought $10,000 in life insurance to cover his funeral, burial and perhaps have a little left over for his daughter to add to her savings.”

Life insurance when you’re in your 80s

In your 80s, you may have paid off your mortgage and likely aren’t supporting your children or parents anymore. That means you may need less coverage than you did when you were younger.

Example:

“Elaine is 80, and she and her wife are fully retired and living on their savings and Social Security. Elaine is the older partner and has a few health issues, which have been quickly eating into their savings. She wants to make sure that when she passes away, her wife can rebuild those savings and have enough to face any medical issues for herself, down the road.”

Family laughing.

How much life insurance do I need?

Figure out how much coverage you’ll need, particularly for your final expenses.

Final expenses

If you want a traditional funeral ceremony and burial, and want to make sure your family has the funds to cover it, you might purchase life insurance with at least a $10,000 death benefit. Traditional ceremonies often cost nearly that much, though the cost can vary widely by region.

Debt repayment

Choose a policy with a death benefit that covers your outstanding balance to prevent your assets from being liquidated to cover the debt.

Medical care

Take a look at your current medical bills and estimate what you might owe when you pass away. Choose a life insurance policy with a death benefit that covers that amount.

How much does Guaranteed Issue insurance for seniors cost?

These are example rates for those making automatic payments. Final prices will depend on your individual situation, and pricing may vary by state.
Click here to get your customized quote.

Coverage Amounts

60 y.o. woman

70 y.o. woman

$5,000

$10,000

$25,000

$26/mo

$38/mo

$51/mo

$76/mo

$126/mo

$188/mo

Coverage Amounts

60 y.o. man

70 y.o. man

$5,000

$10,000

$25,000

$33/mo

$50/mo

$64/mo

$100/mo

$159/mo

$247/mo

Frequently asked questions

What is guaranteed life insurance?

Guaranteed life insurance, also known as guaranteed-issue life insurance, is a life insurance option for people who may have issues qualifying for other types of life insurance due to age or health. Guaranteed life insurance does not require a medical exam or health questions in order to be approved. The benefit amounts are lower than other types of life insurance, but applying for guaranteed life insurance is much quicker and simpler, since your approval is automatic.

Do I need a medical exam?

Guaranteed coverage is just a click away

*To be eligible for coverage you must be a U.S. citizen residing in the US or permanent legal resident. Total limit of all combined Gerber Life Guaranteed Life policies is $25,000. Gerber Life Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children.

South Dakota residents, maximum coverage of $15,000

A.M. Best, the impartial reporting firm that rates insurance companies on financial stability and ability to meet financial obligations, has awarded Gerber Life an “A” (Excellent) rating, most recently in December 2021. It refers only to the overall financial status of the company and is not a recommendation of specific policy provisions, rates or practices of the company. This rating is the third highest awarded out of thirteen possible categories.

Policy availability, terms, conditions, age and issue limitations may vary by state. This product is not available in NY, WA, MT or CA. All guarantees are backed by the financial strength and claim paying ability of the issuing company. Policies are issued by Vantis Life Insurance Company, Windsor, CT.

Vantis Life does not accept applications for a proposed insured: a) with dementia that renders that individual unable to perform the common activities of daily living without regular assistance of others; b) that is currently admitted to or resides in a hospital, hospice, or skilled nursing facility; c) with Power of Attorney or court authorized guardianship currently in effect on their behalf.

A complete statement of coverage is only found in policy. In the first and second year of the policy, the death benefit is limited to return of premiums (unless death is accidental). If death is accidental, full benefits would be payable.

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Accidental Death Insurance policies (Form VL-ADH1 with state variations where applicable) and Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT (all states except NY), and by The Penn Insurance and Annuity Company of New York (NY only). Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.

All sample pricing is based on a 25-year old F in Excellent health for the coverage amount shown. All samples are for a 10-year term policy, unless otherwise stated. Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT. Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.

Fabric Insurance Agency, LLC (FIA) is an insurance agency licensed to sell life and accident insurance products. FIA will receive compensation from Vantis Life for such sales. The NAIC Company Code for Vantis Life is 68632. See the Terms of Use for additional information regarding FIA.

A.M. Best uses letter grades ranging from A++, the highest, to F, companies in liquidation. Vantis Life’s A+ (Superior) rating, which was reaffirmed in April 2020, ranks the second highest out of 16 rankings. An insurer’s financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

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