Gerber baby food customer service number

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Joining Gerber Products Company (Nestlé Nutrition) means joining an organization devoted to developing the future. Our reputation as a worldwide leader in early childhood nutrition is preceded by talented and ambitious individuals who have taken a science-backed approach to creating delicious and healthy food products. As part of our team, you will be encouraged to realize your full potential, just like the babies we serve.

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Available Gerber Opportunities

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Nestlé Nutrition R&D 2023 Nestlé Nutrition R&D Co-Op
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Gerber Life Insurance Review

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Gerber Life Insurance

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Our Take

Gerber Life offers several products that won’t make sense for most families, such as child life insurance and endowment insurance, along with overpriced term coverage. For most needs, there are better insurance providers out there, but Gerber Life may be worth comparing if you need whole life coverage and want to avoid the hassle of a medical exam.

  • Pros & Cons
  • Company Overview
  • specifications

Pros & Cons


  • Easy to apply for coverage

  • Quick decision

  • Child life coverage doubles at 18

  • Automatic payment discount

Company Overview

Gerber Life Insurance has been around since 1967 and was originally founded by Gerber Products Company, the popular manufacturer of baby food. Gerber Life Insurance is now a member of Western & Southern Financial Group Inc. and has $62 billion of life insurance in force across 3.7 million policies as of the end of 2021. Gerber Life is headquartered in White Plains, New York but runs operations out of Fremont, Michigan. 

The insurer offers term and whole life insurance for adults, guaranteed life insurance for seniors, and whole life insurance for children in all 50 states, the District of Columbia, and Puerto Rico.

  • Year Founded 1967
  • Kinds of Policies Term life, whole life, guaranteed issue
  • Payment Options Checking/savings account or debit/credit card
  • Customer Service Mail, email, fax, phone: Existing customers can call 1-800-704-2180
  • Official Website


AM Best Rating


NAIC Score (avg.)


Years In Business

55 Years

Policy Types

Final Expense, Term, Whole

Accepts Credit Cards


Why Trust Us


Companies reviewed


Features considered


Data points analyzed

We collected over 5,000 data points from 91 life insurance companies to measure financial stability, customer satisfaction, product and feature variety, and the overall buying experience. We then evaluated each company based on 55 metrics to develop unbiased, comprehensive reviews.

Read our Full Methodology

Gerber Life Insurance

overall rating

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Table of Contents

Gerber Life Insurance Review

  • Pros Explained

  • Cons Explained

  • Complaint Index

  • Third-Party Ratings

  • Competition

  • Policies Available

  • Available Riders

  • Customer Service

  • Price

  • Is Gerber Life Insurance Right for Me?

  • How We Review Life Insurance Carriers

Pros Explained

  • Easy to apply for coverage: Gerber Life makes it easy to submit your application for most policy types online. Many customers will qualify for no-medical-exam life insurance for up to $300,000 in coverage.  
  • Quick decision: It’s possible to get a decision instantly if you qualify for coverage without a medical exam or if you’re applying for a guaranteed issue policy. 
  • Child life coverage doubles at 18: Gerber Life automatically doubles the death benefit on its policies for kids and young adults when the child reaches age 18 without a rise in premiums. 
  • Automatic payment discount: You can save up to 10% on your monthly premiums by enrolling in automatic deductions from your account.

Cons Explained

  • Very expensive term coverage: Gerber charges more than double what many other insurance providers charge healthy applicants, and almost triple what the most affordable insurers charge—which could undo any discounts the company offers. Of the 32 companies we collected term life insurance quotes for, Gerber’s were the 2nd most expensive across all age groups.
  • Need to supply email for quote: If you want to compare quotes from Gerber Life to other companies, you’ll need to provide your email address, which could result in unwanted emails from the company. Many other insurers let you get a quote without providing personal information. 
  • Low coverage limits: You will need to call Gerber Life to be approved for a death benefit greater than $300,000, and the highest death benefit you can get is $1 million. Many other companies offer coverage well into the millions, even without requiring a medical exam.

Complaint Index

The National Association of Insurance Commissioners (NAIC) collects data on complaints against insurance companies and creates a “complaint index” so consumers can get a quick idea of how many complaints an insurance company receives. An index of 1.0 indicates the company received the number of complaints expected for a company its size. A complaint index lower than 1.0 means the company received fewer complaints than expected, while an index greater than 1.0, means it received more than expected. The lower the complaint index, the better. 

Gerber Life had a complaint index of . 70 in 2021. We also measured its NAIC complaint indexes over three years, resulting in Gerber receiving an average NAIC complaint index of .53. That means that Gerber Life had less complaints than expected over a three-year period given the company’s size. The Gerber Life complaint index is low, in line with most of the top life insurance companies we review who maintain a complaint index of well under 1.0 each year. 

Third-Party Ratings

Gerber Life Insurance has an A (Excellent) financial strength rating from AM Best, an independent rating agency focused on the insurance industry. This is important because when an insurance company gets a good grade from AM Best, it means the provider has the financial stability to reliably pay claims in the future. We typically don’t recommend any insurance company that doesn’t score in the A bracket. While Gerber Life’s rating is very good, many other life insurance companies have superior financial strength ratings (A+ and A++). 

AM Best assesses a company's ability to pay its claims on a graded scale, with A++ being the highest. All our best life insurance companies have at least an A rating.


  Gerber Life Lafayette Life Insurance Company  Erie Insurance 
Types of Coverage Term, whole, guaranteed issue Term, whole, final expense  Term, whole, universal
Online Application  Yes  No  No
AM Best Rating  A+ A
Price for Term Policies  Poor  Information not available Information not available
NAIC Complaint Index (averaged over three years)  1.267  0.167  0.077 

Policies Available

Term Life Insurance

With term life insurance, your beneficiaries only receive the death benefit if you die within the specified term, which is typically between 10 and 30 years. Many adults use term life insurance to protect their families during a period when they have financial obligations, such as paying off a mortgage or saving for college. Term life policies don’t typically build cash value, but they’re much cheaper than permanent life insurance policies. 

Gerber Life Term Life Plan

With the Gerber Life Term Life Plan, you can apply for between $100,000 and $1 million in term coverage with a 10, 20, or 30-year term. Premiums are fixed for the duration of the term. Note that you’ll need to call for a quote for coverage amounts greater than $300,000. While applicants ages 51 and older applying for more than $100,000 in coverage will need to get a medical exam, most other customers can apply online without an exam (for coverage up to $300,000). At the end of the term, you also have the option to renew your policy without a medical exam. 

Whole Life Insurance

Like its name implies, whole life insurance is designed to provide coverage for the duration of your life. These policies build cash value over time, and no matter when you die, your beneficiaries will receive a death benefit as long as you’ve paid your premiums. Whole life insurance is much more costly than term life coverage. 

Gerber Life Whole Life Policy

With the Gerber Life Whole Life Policy, you can apply for $50,000 to $300,000 in coverage online or up to $1 million by phone. Premiums stay level for the life of the policy. Medical exams are only necessary for applicants ages 51 and older applying for more than $100,000 in coverage. As long as you pay your premiums, you’ll be eligible to borrow against the cash value of your policy with an interest rate of 8%. 

Gerber Life Grow-Up Plan

You can apply online for this children’s whole life insurance policy, for between $5,000 and $50,000 in coverage for a child at least 14 days old. That coverage automatically doubles when the child turns 18 without an increase in premiums. When your child turns 21, they become the policyholder and can continue coverage for the same level premium or opt to purchase more coverage at standard adult rates without a medical exam. This policy builds cash value, which can be borrowed against. 

Gerber Life Young Adult Plan

This plan is designed for young adults ages 15 to 17 and is very similar to the Gerber Life Grow-Up Plan. You can buy between $5,000 and $50,000 in whole life coverage for your teen child or grandchild and that coverage doubles when the teen reaches age 18 without an increase in premiums. You are the policy owner until your teen reaches age 21. This policy is only available by phone. 

Gerber Life Insurance College Plan

While this is marketed as a college savings plan, it’s a permanent life insurance policy that builds a cash value. The policy is designed to mature, or end, after a certain number of years—determined based on when your child would need it for college. At that point, your child would receive a cash payout in the same amount as the death benefit. It’s also known as an “endowment policy.” If you die before the policy reaches maturity, the same payout is provided to your beneficiary as a death benefit.

You can choose a guaranteed payout between $10,000 and $150,000, which will be provided to your beneficiary if you die before the policy matures or when the policy matures. The rate of return varies, but this plan will generate taxable income if the money is not received as a death benefit.  

Before you consider purchasing a policy like the Gerber Life Insurance College Plan, familiarize yourself with endowment insurance, as it may not be an ideal savings vehicle or the best life insurance product. 

Final Expense or Burial Insurance

This type of permanent insurance coverage provides low coverage amounts—usually less than $50,000—and asks few to no health questions. It’s designed for older adults and seniors who may have health problems, need little coverage, and don’t want to hassle with a long application process.

Gerber Life Guaranteed Life Insurance

If you’re a senior between 50 and 80 and want to get guaranteed acceptance coverage without a medical exam or health questions, you can get between $5,000 and $25,000 in coverage from Gerber Life. Plus, you can get a quote and apply online.

The Gerber Life Guaranteed Life Insurance Policy is a whole life insurance policy with level premiums that builds cash value. This policy comes with a graded death benefit. If you die within two years, your beneficiary will get the premiums you paid plus an additional 10%. After this period, the full death benefit becomes available. 

Available Riders

Riders are add-ons or endorsements to a life insurance policy that offer customization of coverage. For example, some life insurance providers offer accelerated death benefit riders that allow you to access some of the benefit ahead of your death if you face certain terminal or chronic illnesses. Some companies also offer a waiver of premium rider that allows you to stop making payments if you become totally or permanently disabled. Here are your options at Gerber Life. 

Guaranteed Purchase Option Rider

When a child covered under a Gerber Life Grow-Up Plan turns 21, they’ll have 90 days to purchase additional coverage at standard adult rates without a medical exam. They’re guaranteed this option regardless of their health status. Additional coverage is available for purchase up to four times: At age 25, 35, and certain other ages, and upon marriage or childbirth. The limit is ten times the original coverage amount or up to $100,000 in additional protection. 

Payment Protection Option Rider

You can add this waiver of premium rider to the Gerber Grow-Up Plan, and if you (the policyholder) die or become disabled, you can stop making premium payments. The child will need to resume premium payments on their 21st birthday to keep the policy in force. 

Accelerated Death Benefit Rider

This rider is included at no additional cost with the Gerber Life Whole Life Policy and Gerber’s term policy. Should you be diagnosed with a terminal illness with a life expectancy of 12 months or less, you can request a one-time advance of up to half your death benefit to use for care costs or other expenses. 

Disability Waiver of Premium Rider

Similar to the Payment Protection Option Rider, this rider is available at an extra cost with Gerber Life Whole Life Policies for applicants ages 18 to 59. With this rider, you can waive premiums after six months of total disability. This rider is not available in California. 

Customer Service

You can reach Gerber Life by email, fax, mail, or phone. For new applicants, customer support hours are from 8 a.m. to 9 p.m. Easter time (ET) Monday through Thursday, 8 a.m. to 7 p.m. ET Friday, and 9 a.m. to 5 p.m. ET Saturday. Choose the phone number to call based on the plan you are most interested in:

Gerber Life Grow-Up Plan 1-800-704-3331
Gerber Life Insurance College Plan  1-866-503-4487 
Gerber Life Term Plan  1-866-503-4480 
Gerber Life Whole Life Plan  1-800-425-7542 
Gerber Life Guaranteed Plan  1-866-503-4481 
Gerber Life Accident Protection Plan  1-866-674-3051 

Customer service hours for existing customers are more limited. You can call 1-800-704-2180 between the hours of 8 a.m. and 7 p.m. ET on weekdays or 9 a.m. and 5 p.m. ET on Saturday. Many other life insurance companies have a live chat feature, and some have 24/7 customer support, so Gerber Life’s offerings are relatively limited. 


We pulled quotes for applicants in excellent health at different ages and found that pricing for term coverage at Gerber Life is much more costly than at other providers. Below are quotes for 30-year term policies with a $250,000 death benefit.

  Male Female 
Age 25 $49.38 $38.33
Age 40  $106.25  $75.83 

As a point of comparison, a 25-year-old male would only pay $19 per month for the same coverage at Ethos, which is less than half the cost. Most other providers charge between $17 and $23.

But life insurance premiums are highly individualized. If you’re young and in excellent health, Gerber Life probably won’t be the best value. But if you have some health issues, you may want to get a quote from Gerber for comparison.  

Is Gerber Life Insurance Right for Me?

If you have health issues and want whole life insurance without a medical exam, it might be worth getting a quote from Gerber Life. If you want child life insurance, you might consider Gerber because of the death benefit doubling feature, but other companies offer whole life policies for children as well, so comparing quotes is essential. 

But if you’re in the market for term insurance, Gerber’s term coverage is incredibly overpriced. Furthermore, other life insurance companies have better financial strength ratings, better indicators of customer satisfaction, more features, and more accessible customer service.

How We Review Life Insurance Carriers

We designed a comprehensive rating methodology based on consumer priorities and life insurance company fundamentals to rank more than 90 insurers across five general categories: financial stability, customer satisfaction, product and feature variety, the overall buying experience, and cost.

In order to do this, we collected over 5,000 data points and scored each company based on 55 metrics. We grouped metrics by category to see how insurers performed in each; we then weighted category scores to determine how companies performed overall.

To learn more, read our full Life Insurance Methodology.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.

  1. National Association of Insurance Commissioners. "Gerber Life Ins Co National Complaint Index Report."

  2. AM Best. “Gerber Life Insurance Company.”

Hotline Detsky Mir, support service Detsky Mir, free hotline 8-800

Detsky Mir is the oldest and largest retail chain in Russia selling goods for children. The range of shops is huge. It includes everything necessary for a child from the first days of life: hygiene products, food, toys, clothes, shoes and much more. A hotline is constantly working for potential and existing customers of the trading network.

Detsky Mir hotline

Free hotline

What can I find out by phone?

When can support not help?

Other means of contact

Competence of Detsky Mir operators

Detsky Mir hotline phone

One of the hotline options is the company secretariat. You can call there by phone +7-(495)-78-108-08 and describe your problem. If it is not within the competence of the operator, he will redirect the call to another specialist. This number is also optimally suited for solving any issues related to cooperation.

Free hotline

For any other situations, including those related to orders, you can call the free phone number 8-(800)-25-000-00 throughout Russia. The call-center works around the clock, in constant readiness to solve emerging problems.

What can I find out by phone?

Specialists are ready to provide comprehensive information and advice on the following issues:

  • Rent of premises.
  • Work in the company.
  • Cooperation.
  • Charitable help.
  • SMS mailing.
  • Features and description of goods.
  • Electronic certificate and gift card.
  • Wholesale and retail purchases.
  • Active bonus programs, promotions and discounts.

You can also clarify other questions if they are relevant to the work of the company.

When can support not be able to help?

Operators of Detsky Mir will not be able to answer questions or solve problems that are not directly related to the company's activities. Also, they will not be able to help if the client does not provide comprehensive information on their situation. For example, a call center employee will not be able to find an order in the database and clarify its status without accurate data about this purchase.

Other means of communication


Detsky Mir does not have a single e-mail address to which you can write any messages. Each direction of interaction has its own separate mailboxes. For example:

  • You can find out about the operation of the online store at: [email protected]
  • Charity issues are resolved by e-mail: [email protected]

Other e-mail addresses can be found on the company's website in the "Contacts" section.

Contact on the site

On the main page of the official website of the retail chain, you can go to the section "About the company" → "Feedback". There will open a form to fill out. It contains a list of topics to which the question relates. Having entered all the necessary information, the client can expect a prompt response from specialists. Due to the presence of fields with all the information necessary for specialists in the contact form, it becomes much easier to process a client's request. Therefore, the answer will be provided as soon as possible.

Support in social networks

In social networks, for example, Vkontakte, there are official groups of the company where you can write a message to the administrator (top of the page, the "Write a message" button). If he himself cannot answer the question that has arisen, he will clarify the information by contacting a specialist competent in the matter of interest.

Competence of Detsky Mir operators

The Company carefully monitors any actions of its employees, promptly responding to possible violations and rewarding those who have distinguished themselves. Such a system of motivation has a positive effect on the quality of service. Operators are always in touch, ready to solve all emerging answers, they always speak politely and competently.

how HiPP produces baby food in Mamonovo

For the tenth anniversary of the Association of Foreign Investors, the editors of Kaliningrad. Ru prepared a series of materials about enterprises with foreign capital. In the final article of the project, we will go to the HiPP plant in Mamonovo, where since 2006 dozens of varieties of baby food, juices and drinks have been produced.

Building a factory in the former Heiligenbeil was the dream of company founder Georg Hipp 75 years ago. However, the production, in the creation of which ten years ago they invested about 15 million euros, is now going through a difficult period. As the only Russian plant of the famous German company, it monitors the quality of its products and thanks to this it plans to survive the time of sanctions, said Stefan Hipp, member of the board of the HiPP group of companies.

“We have had an exceptionally positive experience in Russia”

We registered a company in 2006. Then we managed to find a very good location for HiPP's factory. We built our enterprise in a fairly short time and found qualified employees. Now the plant produces baby food at the same quality level as in Europe.

HiPP is a city-forming enterprise in Mamonovo. We have an extremely positive development experience in Russia: the factory works very well, routine problems are quickly resolved. However, finding the “right” employees is difficult anywhere. We are very lucky with this and we are very satisfied with our motivated and qualified team.

The Kaliningrad region, firstly, is in a good position in terms of logistics. It has a port, which is convenient for export and import, and can be reached quickly. Secondly, here, which is important, good ecology. In addition, the local government received us very well. This is especially important for a medium-sized family business, to which HiPP belongs. All promises made to us have been kept.

The belonging of the plant in Mamonovo to the German mark is recognizable at the first glance at the production. An exemplary order along with a creative approach to creating products is the hallmark of HiPP. The inscription “the product left our production in perfect condition” on each jar is a fact behind which there is an impeccable quality control system.

The system of "dirty" and "clean" zones, strict recipe control and systems unique for the region that guarantee the safety of food and juices for babies are only a small part of the well-established quality mechanism. By this system, for example, neither a jar with the smallest particle of metal or glass inside, nor packaging with broken tightness, nor baby food with a “forgotten” bone or unrubbed pieces of fruit will pass.

“If nothing changes soon, we will have no way out”

Initially, the plant in Mamonovo was supposed to work for several markets in the CIS - Russia, Ukraine, Kazakhstan, Kyrgyzstan and other countries. However, due to the current political situation, what we currently produce in small quantities, we sell only in Russia. We cannot supply products to other markets.

The Mamonovo plant employs approximately 100 people, but the number of employees has now decreased somewhat. In addition, our difficulties affect other sectors of the economy serving the HiPP plant, such as transport companies.

“The prevailing political environment” that Stefan Hipp is talking about is the food embargo. Prior to this, the plant in Mamonovo could produce almost any juices, drinks, cereals and purees from the range of HiPP.

The decision of the Russian leadership overnight made the European raw materials necessary for production inaccessible. Accordingly, at the factory in the Kaliningrad region, the production of most of the two hundred trade names became impossible.

The plant cannot switch to raw materials from other countries - organic products with a similar price-quality ratio are simply not available on the market.

The embargo has affected us greatly. We produce only a small part of what we can and want to produce - approximately 20% of the entire range. We cannot obtain organic raw materials, which are necessary for our products, in Russia - they simply do not exist here. If things don't change soon, we won't have a choice. A plant loaded only by 20% is, you understand, unprofitable. And if for a short time it can still be experienced, then in the long term - no.

Raw materials came to Mamonovo from all over Europe. The fact is that not all types of raw materials can grow in Russia because of the climate. In addition, it is very difficult to find manufacturers who would be ready to produce organic raw materials. In fresh form, we can only process part of the products. But most types of raw materials must be pre-treated, and this requires entire factories that are in Europe. Even if we buy one or two types of raw materials locally, this will still not be enough.

Our products require many types of raw materials. At the same time, it will not be possible to replace them with products from other countries that are not subject to sanctions. The market for organic products is quite limited, and we have very high requirements for products. In addition, it is a matter of costs: the farther the raw material is and the more complex the chain, the more expensive each jar of baby food for the end consumer. We were already forced to raise the price with the growth of the euro.

But we hope that the situation will change soon. If politicians find some solution that will allow us to import organic raw materials, then we can continue to work. If not, we will have to close the plant.

“We consider it our task to support Russia”

If the situation develops as Stefan Hipp predicts, the region may lose a truly unique and technological production. "Smart" automation at the plant in Mamonovo reaches an impressive scale. For example, only three operators are involved in the packaging line - this is quite enough to control the equipment and the final product quality.

Another noteworthy fact is the model of relationships with personnel built at the HiPP factory. Unlike enterprises with the "Soviet" system, which suppresses any initiative and hides the consequences of erroneous decisions, a fundamentally different scheme operates in Mamonovo. Here it is beneficial for people to talk about what is not quite correctly organized in the workflow, and about how it can be improved.

Our own laboratory deserves special attention, where baby food and juices are checked both immediately after production and after some time. According to the HiPP method, products should not deteriorate, even if they were stored in the most unfavorable conditions - in particular, in special laboratory rooms with a temperature of about 30 degrees.

Therefore, it is not surprising that many parents “vote with their rubles” for HiPP baby food and juices, and the company's products are presented in all major retail chains in the Kaliningrad region.

The Russian baby food market has been growing for several years and, from our point of view, has great potential. Here, in Russia, one of the highest birth rates - almost two million babies are born in the country every year. Therefore, this is a strategically important market for us.

Hipp doesn't want to leave Russia anyway - we will continue to sell our products here. But it is very sad that at the moment we cannot produce our juices and food in Russia and have to import them. That is why we settled in Mamonovo because we are building our plans for the long term. The company has invested a lot of money in production, and our team has done a great job.

We consider it our task to support Russia in building a system for providing organic products. By and large, we really hope that one day all Russian children will grow up on environmentally friendly organic products.

The main idea during the construction of the HiPP plant was and is the constant development of the enterprise in step with the growing Russian market. If, due to sanctions, we cannot import high-quality organic raw materials, it will be very sad. In the end, not only we have some kind of expectations - our employees and customers also have them. When you rely on some specific initial conditions, and then they are not fulfilled, then this is a big blow for business.

“Ordinary people suffer the most from sanctions”

However, despite the not very rosy situation, the plant in Mamonovo is full of optimism and desire to continue the work begun.

The local authorities are very aware of our problems and are doing everything they can to help us. So I hope that Russia and Europe will smooth the situation with sanctions or even lift them in order to once again benefit from trade. No one has ever benefited from sanctions. Everyone just loses, and in our situation, ordinary people suffer the most.

Public opinion is now very tense on both sides. But I hope that soon the situation will return to normal again. Economic and historical ties, friendship between Germany and Russia have existed for more than one century - and we hope that this will continue to be so.

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