How to do Business – Gerber Life 

Contracting: 

Gerber down line contracts must be emailed to 

pamcontracting@aiasvcs.com and cc Parker Weber at 

PWeber@ProAdvantageMkt.com  

New Business: 

New agents must submit their first application along with the contracting paperwork to their immediate up line. 

An appointed agent can login and submit business via the following ways: o Gerber portal  (Gerberlife.com) o Fax NEW BUSINESS APPLICATION(s) and applicable Forms with Fax cover sheet to                     

877‐608‐4634 

o If a Check or Money Order is collected with the application, all paperwork, including above documents, must be mailed to:  Gerber Life Insurance Company Attention:  New Business Supervisor 445 State Street Fremont, MI  49412 

Supplies: 

Supplies are down loaded via the Gerber Agent portal  

Commissions: 

Agency/Agent will be compensated per the terms of the contract 

Commissions will be paid two times per month 

Commissions Statements will be emailed twice a month  $25.00 is the minimum amount for generating a commission payment. 

1

Contact Information

* All emails will be responded to within a 48 hour time period. Rev. 04/14

Department Purpose Email Phone

1st point of Contact Customer Service

Policy Inquiry Billing Inquiry

Application Inquiry Commission Inquiry Changes/Updates

800-428-4947—Agents Call

800-253-3074—Clients Call

Fax Paper Applications 877-608-4634

Licensing Appointment Status glic.appointment.status@us.nestle.com

Underwriting Underwriting Inquiry glic.agency.underwriting@nestle.com

Pre-Sales Support General Product Information Webinar Requests

gerberlifeagencysales@us.nestle.com

GERBER LIFE AGENT PORTAL THE BASICS

For Assistance with the Gerber Life Agent Portal, please contact your General Agency

Benefits, exclusions and limitations vary by state. Benefits are subject to Gerber Life insurance limits.

Copyright ©2015 Gerber Life Insurance Company, White Plains, NY 10605. A financially separate affiliate of the Gerber Products Company. All rights reserved. For Financial Professional Use Only. Not to Be Used With or Distributed to the General Public. New Look Agency Portal!

Writing business was never so easy…

AGT-PO034 (0215)

The Gerber Life Agent Web Portal is NOW

available to make quoting quicker and easier. Go to www.gerberlifeagency.com and log in with the User ID# and Password provided to the right, and see how easy it is to do business with Gerber Life.

Your User ID is the 8 digit Agent ID provided in the Welcome Letter from Gerber Life Licensing – without the dash.

The Initial Password is your last name or the first 8 letters of your last name. If your User ID ends with -0000, the

Initial Password is the last segment of the Agency name as shown on the Welcome Letter. For example, if the

Agency name on the letter is XYZ Agency INC., the initial password is INC.

Once logged in, you

can:

Check Case Status

View Commission Information

Download Sales and Marketing Material

Start a quote and create sales proposals

Download Agent and Consumer Documents

GERBER LIFE INSURANCE COMPANY

Effective 4/8/14 Rev 4/17/14

STATE

AGENCY MANAGER (Levels 9-5)

Receiving DIRECT COMMISSIONS from downline Agents at

Level 0

INDIVIDUAL MANAGER (Levels 9-5)

Receiving DIRECT COMMISSIONS from downline Agents at

Level 0

WRITING AGENT/

WRITING PRINCIPAL

See Note 1 (Levels 4-0)

WRITING AGENT/

WRITING PRINCIPAL (Levels 4-0)

Receiving

OVERRIDES from downline agents

Levels 4-1

Pre-

Appointment States

Appointment

Backdating Guidelines

(Days)

Note 1: A non-writing principal must be licensed in resident state only.

Note 2: YES – Appointment needed if agency not appointed or no affiliation with appointed agency. NO – Appointment not needed if principal affiliated with appointed agency.

Note 3: Agency license is not required however principal’s license must name the agency.

License Required

Appointment Required

License Required

Appointment Required

License Required

Appointment Required

License Required Appointment Paperwork Required

for all Agents

AL X X X X X X 15

AK X X X 30

AZ X X X No Appointments

AR X X X X X X 15

CA X X X X X See Note 2 X 14

CO X X X No Appointments

CT X X X X X X 15

DE X X X X X 15

DC X X X X X See Note 2 30

FL X X X X X X 45

GA X X X X X X X 0

HI X X X X X See Note 2 15

ID X X X X X See Note 2 15

IL X X X No Appointments

IN X X X No Appointments

IA X X X X 30

KS X X X X X See Note 2 30

KY X X X X X See Note 2 15

LA X X X X X See Note 2 X 0

ME X X X X X X 15

MD X X X 30

MA X X X X X See Note 2 X 15

MI X X X X X X 15

MN X X X X X 15

MS X X X X X X 15

MO X X X No Appointments

MT X X X X X See Note 2 X 15

NE X X X X X 15

NV X X X X X See Note 2 15

NH X X X X X X 15

NJ X X X X X X 15

NM X X X X X X 15

NY X X X X X See Note 2 15

NC X X X X X 15

ND X X X X X X 30

OH X X X X X X 30

OK X X X X X X 15

OR X X X No Appointments

PA X X X X X X X 0

PR X X X X X X X X 0

RI See Note 3 X X No Appointments

SC X X X X X 15

SD X X X X X X X 15

TN X X X X 15

TX X X X X X See Note 2 X 30

UT X X X X X See Note 2 15

VT X X X X 15

VA X X X X X X 30

WA X X X X X See Note 2 15

WV X X X X X 15

WI X X X X X 0

WY X X X X X X 15

Gerber Life Product Quick Reference Guide

Copyright© 2016 Gerber Life Insurance Company / Home Office: White Plains, NY 10605. A financially separate affiliate of the Gerber Products Company. All rights reserved. AGT-PR041 (0116)

Description Guaranteed Issue Whole Life

Whole Life Insurance for Children and Grandchildren

Individual Endowment Insurance

24-Hour Accidental Death and Dismemberment Coverage

State Availability Not available in MT All states All states All States (state variations may apply)

Issue Ages (Age Last Birthday)

50 – 80 14 days to 14 years Pay to Maturity Option: 18 – 605-Pay* or Single Pay Option: 18 – 75 at last birthday.

*18 – 70 for males.

18 – 69 (19 – 69 in CO & FL)

Face Amount $5,000 – $25,000 ($15,000 Maximum in SD)

$5,000 – $50,000 $10,000 – $150,000 $50,000 – $250,000 (state variations apply)

Optional Coverage Not Applicable Not Applicable Not Applicable Spouse & Child Coverage Available(state exclusions and variations may apply)

Death Benefit Two year graded death benefit.1

Full Face amount less any outstanding loan and interest due. All death benefits will be paid as lump sum.

Full Face amount less any outstanding loan and interest due will be paid as lump sum to beneficiary if death occurs before policy matures.

Benefit paid by accidental death. Death by other causes not payable.

Underwriting Guaranteed Issue Standard and Sub- standard classes available

Standard and Sub- standard classes available

Guaranteed Issue

Premium Modes Monthly, quarterly, semi-annually, annually

Monthly, quarterly, semi-annually, annually

Monthly, quarterly, semi-annually, annually

Monthly, quarterly, semi-annually, annually

Riders Not Applicable Guaranteed Purchase OptionPremium Protection Option

Additional Policy Rider(Up to 4 additional policies. Restrictions apply)

Not Applicable

Expiry / Maturity Ages

Policy Maturity is Insured's age 121. Premiums end at age 121.

Policy Maturity is Insured's age 121. Premiums end at age 121.

Policy maturity will be 10 to 20 years after issue, as elected by owner.

Age 80 (except in CO, FL and MA where there is no age for termination)

Free Look 30 Day free look period begins 3 days after policy is mailed.

30 Day free look period begins 3 days after policy is mailed.

30 Day free look period begins 3 days after policy is mailed.

30 Day free look period begins 3 days after policy is mailed.

Grace Period 31 days starting on premium due date (60 days in CA), in which owner may pay overdue premiums.

31 days starting on premium due date (60 days in CA), in which owner may pay overdue premiums.

31 days starting on premium due date (60 days in CA), in which owner may pay overdue premiums.

31 days starting on premium due date (60 days in CA), in which owner may pay overdue premiums.

Please see page 2 for footnotes.

Gerber Life Product Quick Reference Guide

Copyright© 2016 Gerber Life Insurance Company / Home Office: White Plains, NY 10605. A financially separate affiliate of the Gerber Products Company. All rights reserved.

1 Gerber Life’s guarantee to accept all 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 10% interest on earned premiums. If death is due to accidental causes, the full death benefit will be paid. 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. If the insured dies by suicide within two years from the Issue Date (one year in ND), the only amount payable will be the premiums paid for the policy plus 10% interest on earned premiums, less any debt against the policy. 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 Series ICC12-GWLP and GWLP-12.

2 Available in all states. In AZ, CA, CT, DE, DC, FL, NY, ND, SD and WA requirements vary somewhat. Additional information or a state-specific application is available. Coverage and benefits are subject to Gerber Life insurance limits. Policy Form Series ICC12-GPP and GPP-12.

3 The Gerber Life College Plan is issued in all states. State requirements may vary somewhat. The Gerber Life College Plan is an individual endowment policy. Please refer to the policy for limitations and exclusions that may apply. Policy Form Series ICC09-PIE and PIE-09.

4 Accident Protection is available in all states. Issue ages and face amounts depend on the state where you live. Maximum face amounts vary with issue age. Spouse benefit may not exceed the maximum face amount available for their age. Issue age for children is 0 to 17 years. Coverage ends when the child turns 26. Maximum coverage on a child is the lesser of 20% of the primary insured coverage or $25,000. Coverage amounts for all children applied for must be equal. Coverage on children is not available in CO and FL.

Policy termination: Policy terminates if premiums are not paid or at the Insured’s 80th birthday (except in CO, FL and MA where there is no age for termination).

Full benefits are paid for loss of life as a direct result of injury. Full benefits are also paid for the loss of: both hands, both feet, sight in both eyes, one hand and one foot, one hand and sight in one eye, or one foot and sight in one eye. Half cash benefits are paid for the loss of: one hand, one foot or sight in one eye.

Exclusions and Limitations:Benefit amounts are not payable if death or covered loss occurs more than 90 days (up to 365 days in some states) after the date of the accident; or if the loss of life, limbs or eyesight is due to:

Intentional self-inflicted injuries or attempts thereat; suicide or attempted suicide, while sane or insane; act of war; active participation in a riot or civil disorder; extra- hazardous activities, including parasailing, bungee jumping, heli-skiing, base jumping, para-kiting, sail-gliding, scuba diving deeper than 130 feet; spelunking , or mountaineering/rock climbing; military service; alcohol intoxication above the legal limits in the jurisdiction where the accident occurs; intoxication by or under the influence of any controlled substance or narcotic, unless prescribed by a physician, or any non-prescription drug unless taken as directed; deliberate ingestion of poison, fume, noxious chemical substance or gas; commission of or attempt to commit a felony or engage in an illegal occupation; specialized aviation activity (other than a fare-paying passenger on a commercial airline); or sickness or disease, except for infection resulting from an accidental cut or wound. Exclusions and limitations may vary by state. Refer to policy series ACC-911 in CO and FL and ACC-2014 in all other states for detailed exclusions.

Benefit amounts are subject to Gerber Life Insurance Limits. Requirements vary somewhat in: AL, AK, AR, CA, CT, DE, DC, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MO, MS, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WV, and WY.

Accident Protection is issued in all states. State requirements may vary. Please refer to the policy for limitations and exclusions that may apply. Policy form series ACC-911 in CO and FL and ACC-2014 for all other states.

Marketing piece AGT-PR041 is not available for consumer use in Georgia, Oregon and West Virginia.

AGT-PR041 (0116)