The Whole Life Plan from Gerber Life offers coverage amounts of $25,000, $50,000, $75,000, $100,000, $125,000 and $150,000. Customers can keep the policy for life at an affordable premium rate that will never increase. Its a Budget-minded premium that never increases so customers never pay more for this insurance. Rates quoted are based on applicant's tobacco use and health. Customers have to answer a few questions on the company's online application. If 51 or older and are applying for $100,000 or more of insurance, or if for any other reason an exam is required, the company will pay to have a specially trained person meet with you. Customers can purchase a Waiver of Premium Rider. The rider will pay their policy premiums and Gerber Life will continue the life insurance coverage.