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Gerber vs. Baltimore Life

Fact Checked by Jason Herring & Barry Brooksby
Licensed Agents & Life Insurance Experts.
Insurance and Estates, a strategic life insurance provider composed of life insurance professionals, is committed to integrity in our editorial standards and transparency in how we receive compensation from our insurance partners.
Baltimore Life vs Gerber

Are you thinking about…

Purchasing a whole life burial or final expense insurance policy on yourself or a loved one?

Well if so…

Then you may find the following comparison chart of Gerber vs. Baltimore Life quite helpful in making your final decision.

Comparing ⟶ Gerber Life Baltimore Life

Year Founded



Company Structure




$ $ $ $ $ $

Types of Policies:

Term Life

Whole Life

Universal Life

Final Expense


A.M. Best Rating



S&P Rating

Moody’s Rating

Fitch Rating

Comdex Rating

BBB Rating

Not Accredited

Not Accredited

NAIC complaint Index



IBUSA’s Overall Score

Company Review

Gerber Life’s review

Baltimore Life’s review

Now as you can see…

Both Gerber and Baltimore Life are both very reputable insurance companies, which is why you probably can’t go wrong choosing either, assuming that you would be able to qualify for the same “rate” with each.

The only problem is…

That making this “assumption” can sometimes be quite costly.

Which is why, you may want to give us a call here at I&E before you decide to apply for coverage, because while both Gerber and Baltimore Life are both fantastic companies, offering great burial life insurance for seniors, each of them are going to have their own unique underwriting guidelines which will determine who they will and won’t insure.

These guidelines are…

Also going to play a major role in determining what “price” you may pay for your insurance, and if you may need to settle for a guaranteed acceptance insurance policy.

So, while each of these companies may be the right choice for many, it’s quite possible based on your unique situation that one or both of these companies may not be the “right” for you!

The good news is…

That we here at I&E work with dozens of different life insurance companies so that when it comes time to determine which company is going to be the best for you, we don’t have to rely on just one or two different options.

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