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Gerber vs. Foresters

Fact Checked by Jason Herring & Barry Brooksby
Licensed Agents & Life Insurance Experts.
As a licensed insurance agency, Insurance and Estates is committed to integrity in our editorial standards and transparency in how we receive compensation from our insurance partners.
Foresters vs. Gerber

Thinking about applying…

For the best final expense insurance, but aren’t sure which company is going to be the right one for you?

Or maybe, you’ve narrowed down your search to just a few burial insurance policies from companies such as Gerber and Foresters and now just need to figure out if one might be a better fit than the other?

Well if so…

Then you may find the following comparison chart quite helpful in making your final decision.

Comparing ⟶ Gerber Life Foresters Financial

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

Foresters Financial’s review

Now as you can see…

Both Gerber and Foresters are both very strong and stable 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.

However, Gerber focuses more on guaranteed issue insurance versus Foresters, which focuses more on final expense insurance that requires some answers to health questions.

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 Foresters are both outstanding insurance companies, 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.  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 “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.

Options such as traditional term life insurance policies as well as no medical exam life insurance policies as well.

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