What Does Gerber Life Insurance Cover? 
For all but their Accident Protection Plan , Gerber Life Insurance covers death by any reason . Life insurance excludes death by suicide during the first two years , and if there is misrepresentation on the application and death occurs during the first two years , there is a chance the policy may not pay the death benefit . Aside from those situations , Gerber life insurance covers death due to natural and accidental causes , as does all traditional life insurance . 