Is Gerber Life Insurance Legitimate? 
Gerber Life is a `` legitimate '' life insurance company in that it is domiciled in the state of NY and is located at 1311 Mamaroneck Ave. , White Plains , NY , 10605 , 914272-4000 , and is licensed to do business in all 50 states and Canada . They list six product groups on their website , WEBSITELINK , includingthe onlyendowment life policy that is also an adult life insurance policy . It 's called the Gerber Life College Plan and has been their flagship policy for a long time . They are definitely a niche carrier , targeting the parent and grandparent market . Their contracts have many guaranteed features that appeal to those that do n't want to take any chances that their insurance might lapse or diminish in value over time . I have worked with their service teams on a few occasions and they are knowledgeable and very customer-oriented . The have been rated `` A '' , AM Best 's third-highest financial rating , and `` A - '' by Weiss , which is their 3rd best rating as well . Both of those ratings are within the `` Excellent '' range of both rating services . That gives them a Comdex of `` 80 '' , which means that 80 % of all financially-rated carriers are ranked below them . If by `` legitimate '' you are referring to their contracts being of real value , or if can you trust a life insurance company that is also a baby food company , you may want to do more research . From and industry point of view , they are legitimate . 