The Grow-Up ® Plan. We understand you want to give your child every advantage. The Grow-Up ® Plan is a simple, budget-minded way to start for children ages 14 days to 14 years. For as little as $1 a week, you can give your child a lifetime of life insurance protection with plans starting at $5,000.

If you have looked up baby stuff online recently, the clever that convert search terms into marketing data probably have presented you with countless ads for the Gerber Grow-Up Plan. Targeted to new parents, the Gerber Grow-Up Plan is a you can purchase for your children when they are newborns or infants. The rationale behind such a product goes like this: Because life insurance is more expensive the older the insured is, it makes sense to lock in a low rate at the earliest possible age. Moreover, because whole life policies in addition to providing death benefits, plans such as Gerber's protect you financially from a worst-case scenario, as well as provide a vehicle to save for college and other future expenses.

Developing a medical condition down the road could preclude your child from obtaining life insurance. Purchasing the Gerber Grow-Up Plan ensures he has coverage regardless of what happens during the ensuing years. Though the Gerber Grow-Up Plan offers several tangible benefits, it is not the panacea the company makes it out to be. The biggest argument against purchasing life insurance on children is that it just is not necessary.

Excepting child stars, children do not earn incomes, nor do they support families. Losing a child is emotionally devastating, but not financially devastating.

While your kids are probably going to earn income and support families when they grow up, the maximum death benefit under the Gerber Plan is woefully insufficient for an adult with dependent children. While the plan's cash value aspect may look enticing for college savings, most respected pan whole life insurance as a long-term, pointing out that, historically, the returns are anemic compared to mutual funds and other investments. The primary purpose of life insurance is to protect the insured's family and dependents from financial calamity if he dies prematurely and his income is cut off.

For example, a father and a mother earn $50,000 per year each and have two young children, both of whom they hope to send to college. The father dies in a car accident during a severe thunderstorm. His wife and children are devastated emotionally, and the family income is cut in half. Now the mother has to pay for the house, car, food, clothing and other necessities on her own, and she must also find a way to continue saving for her children's education. It has been established that children do not need life while they are still young. However, they will probably need it when they grow up. It is a strong possibility that at some point, your kids are going to have families of their own that will depend on them financially.

The Gerber Grow-Up Plan allows them to secure the coverage they need later at an early age while it is still inexpensive. The only problem with this line of thinking is the Gerber plan does not actually enable your children to obtain anywhere near the level of coverage that will be necessary when they have dependents of their own. The Gerber Grow-Up Plan has a maximum of $100,000.

That is way too much life insurance for a child, but it is nowhere near enough for an adult who has his own dependent children. Consider the father in the example above who makes $50,000 per year and dies while his children are young. A death benefit of $100,000 would replace his income for only two years; after that, the mother is once again on her own.

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This man needs a death benefit of closer to $1 million, which the Gerber plan does not offer.