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Fabric Reviews


bestfor-icon Will creation, finance & estate management

Written by Angela Mae

About Fabric | Read More


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  • support@meetfabric.com
  • (916) 765-3572
  • Headquarters: 400 Broadway Cincinnati, OH 45202
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Fabric Life Insurance Review

Fabric has customizable, affordable term life insurance policies for busy families. The application is online and takes roughly 10 minutes to complete. Coverage ranges from $100,000 to $5 million and has term lengths of 10 to 30 years. You could skip the medical exam and receive coverage nearly immediately depending on your circumstances.

Fabric Life Insurance Highlight


Coverage Amount

10-30 years

Coverage Term


BBB Rating

Not Required

Medical Exam


Optional Add-Ons

Pros & Cons

  • con-icon Customizable life insurance policies available to help secure your family’s financial future
  • con-icon Optional features include will creation, finance organization tools, and a mobile app for convenient account management
  • con-icon Option to convert existing term life insurance to whole
  • con-icon Up to $5 million in coverage with a maximum of a 30-year term
  • con-icon Coverage not available in all states
  • con-icon No option to buy whole coverage outright (must convert a term policy first)


  • Suicide within two years of receiving the policy
  • Falsified information
  • Death due to rioting
  • Criminal-related fatality
  • Certain coverage types aren’t available in all states

Associated Fees

Fabric indicates their fees when they give you an offer of coverage before you accept. Besides that, no other listed fees exist for using Fabric’s services. In fact, the extra tools and resources — like the will creation help — are free. When required, the medical exam is also typically free.

Life Insurance Policies and Pricing

Fabric claims their life insurance policies are affordable, but the premiums vary based on things like your age, lifestyle, gender, term length, and desired coverage amount. The terms are 10, 15, 20, 25, and 30 years (shorter in some states). Coverage caps out at $5 million.

Although it’s hard to estimate the exact pricing, here’s an example of what a healthy 35-year-old male could expect to pay per month for a 10-year term:

  • $16.72 for $250,000
  • $30.54 for $1 million

Fabric is transparent about the pricing for its add-ons. For example, Accidental Death Insurance costs:

  • $6 a month for $100,000
  • $15 a month for $250,000
  • $30 a month for $500,000

How to Get Life Insurance Through Fabric

Start by filling out a short online questionnaire that helps customize your experience. Then, head over to the application — this takes around 10 minutes to complete and can be done on a computer or mobile device.

On the application, be prepared to answer questions about your personal, health, and professional circumstances. The first series of questions will help Fabric determine whether you need a will or life insurance. These include:

  • Whether there are minors in the house (under the age of 18)
  • If you have a mortgage
  • What other debts you have

After this, you’ll need to create an account to save your progress. Then, you’ll be asked a series of questions specific to your lifestyle and overall health, such as:

  • Your first and last name
  • Gender assigned at birth
  • SSN
  • Birthplace
  • Location
  • Whether you participate in extreme sports
  • If you’ve recently flown an aircraft

This section can take several minutes to complete as there are quite a few questions. Once you’ve done it, simply digitally sign the application and wait for Fabric to contact you. Depending on your answers, you may receive an instant offer or need to speak with an underwriter. The underwriter will ask additional questions to help them decide whether to offer coverage, how much, and at what premium.

At this point, a medical exam may be required. In this case, you’ll need to schedule it via phone or email. Scheduling tends to be flexible to work with your work and home life. Fabric will send a health examiner to your home at the appointed time. The examiner will then perform a physical and potentially take a blood sample.

Finally, Fabric will evaluate your entire application and make an offer — or not —, depending on your results. You’ll have up to 60 days to accept the offer before it expires.

Fabric does not provide life insurance in all states. If they don’t offer it in your area, they can connect you with a trusted partner.

State Availability

- Available in all states

Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.



Is it possible to get life insurance without a medical exam?

Typically, you’ll need to take a health exam (physical and blood draw) to receive coverage. However, Fabric will approve some applicants for coverage without requiring a health exam. If they do require an exam, it will be free and scheduled around your needs.

Does Fabric offer whole life insurance, too?

It may be possible to convert a term life insurance policy to a whole life insurance policy. This does not require a complicated second application process.

How long is an offer for life insurance valid?

Once you apply for coverage and are approved, you’ll receive an offer prior to purchasing the plan. In most cases, you’ll have up to 60 days to accept the offer or customize it to your budget and needs.

Customer Support

As a customer-focused company, Fabric offers several ways to contact them — phone, live chat, and email. They have fast response times and friendly, reliable customer service. If you contact them outside of business hours, a representative will reach out within 1 to 2 business days.

Privacy & Security

Fabric has a straightforward privacy and security policy that clearly outlines the ways they collect and use customer data. The company uses data encryption methods and secure servers to keep all information safely stored on their site.

All of Fabric’s life insurance policies are offered through Vantis Life, which is part of one of the biggest life insurance policy providers in the USA. Vantis is highly rated on AM Best, a widely recognized credit rating agency that indicates the creditworthiness of a life insurance company. Companies with such a high rating are unlikely to default on their obligations, making them safer for customers.

In Conclusion

Fabric is a one-stop shop for parents who need life insurance and other financial tools they can use to protect their family’s financial future. They strive to help people who are just getting started get everything on track and get their affairs in order. They also offer multiple life insurance policies, term and whole, as well as services like estate planning and will creation. Everything is digital and streamlined to be as easy as possible, though there’s also phone support for those who need it.

Brand Disclaimer

© 2022 Gerber Life Agency, LLC

Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All sample pricing is based on a 30-year-old F in Excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

Western-Southern Life Assurance Company’s A+ Superior A.M. Best Rating: Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Ratings are subject to change from time to time. The ratings shown here are correct as of 09/03/2022. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

Plan like a parent. is a trademark of Fabric Technologies, Inc.

Gerber Life is a registered trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.