Gerber Life Insurance Company's Accident Protection Insurance Plan helps customers to protect themselves and their families from the financial blow that can result from unexpected events. Gerber Life Accident Protection Plan features include - if customers are 19 to 65 years old, they are eligible for up to $100,000 in accidental death protection. No physical exam is necessary and both customers and their spouse are eligible for the Gerber Life Accident Protection Plan, for whichever amount they choose, up to a combined total of $200,000 coverage for both. The coverage takes effect immediately once the bank receives the customer's first premium payment with benefits that can never be reduced.