The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site. Advertising Disclosure

Fabric by Gerber Review 2023

Fabric is the new life insurance arm of Gerber, the popular family- and baby-care brand that’s been around for over 50 years. Fabric offers term life insurance policies for most Americans between 20 and 60 years old. Available in 44 states, applicants can request a wide variety of coverage, ranging anywhere from $100,000 to $5 million.

fabric logo Back to Top


  • 30-day money-back guarantee
  • No medical exams required, ever
  • Free companion app with helpful financial tools and resources
  • Automated underwriting with instant approvals

Why Fabric?

We consistently recommend Fabric to Americans who either currently support a family or are planning to start a family, as Fabric’s generous coverage amounts are designed to support dependents. For an affordable rate (starting as low as $7.86/month), Fabric applicants can apply for up to $5 million in coverage, making it easy to financially protect your partner, parents, children, or friends.

Pros & Cons

Pros Cons
Extremely high maximum coverage amount. No riders or life insurance add-ons.
Easy online application, with no medical exams required. Not available in every US state.
Bonus in-app tools, such as financial planning and will.

Fabric Life Insurance Policies

Easy to understand and even easier to sign up for, Fabric offers one, simple life insurance policy: individual term life insurance.

Individual Term Life Insurance

With an individual term life insurance policy, a policyholder pays a monthly premium. In exchange, were the policyholder to die during the term length, their friends and family members (called “beneficiaries”) receive the coverage amount as a tax-free lump sum payout.

The “individual” part of individual term life insurance refers to the person who can sign up for coverage. Applicants must sign up for coverage themselves, meaning you can’t submit an application for someone else to be the policyholder.

Fabric’s term life insurance policy provides a wide range of coverage, from $100,000 to $5 million. Applicants can sign up for a term length of 10-, 15-, 20-, 25-, or 30- years.

What Does Life Insurance from Fabric Cover?

Fabric life insurance pays a coverage amount to a policyholder’s beneficiaries in the event of their death.

There are a few exceptions that may void a policyholder’s coverage. These exception scenarios include:

  • The policyholder dies by suicide.

  • The policyholder’s application was found to contain misrepresentations or inaccurate information.

Where is Fabric Available?

Fabric is available in every state except:

  • California

  • Florida

  • North Dakota

  • South Dakota

  • New York

  • South Carolina

Available Riders

Fabric does not offer traditional life insurance riders; instead, Fabric includes a variety of free features and tools in its companion app. See the section below for more details.

Additional Services and Add-ons

Fabric offers several features and tools in their companion app, all of which are completely free to use for policyholders.

Here’s what you can expect to find in the Fabric app:

  • Wills: Policyholders can create a will document via the Fabric app in just about five minutes, making it easy to prepare for the worst-case scenario.

  • 529 Account: Parents can save for their children’s higher education with a 529 account, a free savings account designed to go towards their children’s education.

  • Rainy Day Savings: Policyholders can create a “rainy day” savings account, designed to cover you and your family’s expenses in the event of an emergency.

  • Fabric Vault: Fabric Vault is an account-sharing platform designed for emergencies. The Fabric Vault is kind of like an online notebook that contains your essential financial information: checking, savings, mortgage, 401(k), IRA, and credit card accounts.

Customer Complaints and Satisfaction

Fabric by Gerber has an excellent Trustpilot score, boasting a 4.8/5.0 rating – enough to be considered “Excellent” by Trustpilot.

Many of Fabric’s positive reviewers praised the simplicity of the application process, as well as the free tool to create a will document.

How Much Does Fabric Life Insurance Cost?

Life insurance companies generate pricing by the applicant. Using personal information such as an applicant’s location, gender, and overall health, Fabric’s online quote tool makes it easy to get an overall estimate.

In order to generate the sample pricing below, we gave our fictional Fabric applicant the following traits:

  • They live in Illinois

  • They are not a smoker

  • They rate their health as “excellent”

$500,000 Coverage

Age Amount Policy Female Male Medical Exam Required
25 500000 20-year term $19.44/mo $22.86/mo No
35 500000 20-year term $20.72/mo $23.72/mo No
45 500000 20-year term $56.51/mo $71.00/mo No
55 500000 20-year term $103.62/mo $142.51/mo No
60 500000 20-year term $242.00/mo $337.44/mo No

$1,000,000 Coverage

Age Amount Policy Female Male Medical Exam Required
25 $1 million 20-year term $32.35/mo $39.19/mo No
35 $1 million 20-year term $34.90/mo $40.90/mo No
45 $1 million 20-year term $96.82/mo $125.80/mo No
55 $1 million 20-year term $248.99/mo $278.29/mo No
60 $1 million 20-year term $474.64/mo $652.04/mo No

To get the most accurate pricing information for you and your family, we recommend you get a quote directly from Fabric’s website.

How to Buy Life Insurance from Fabric

New applicants can sign up for Fabric life insurance in three easy steps:

  • Apply: Applicants can apply completely online, using their computer or the Fabric app, with medical exams never required. Most Fabric applicants complete this step in 10 minutes or less.

  • Hear Back: Fabric responds to most applications instantly. If you want to see if your application was accepted, try refreshing the site: it may be that quick.

  • Activate: If you get accepted and love your coverage details, activate your coverage to immediately get started.

Fabric FAQs

Is Fabric a legit life insurance company?

Yes, Fabric is backed by the Gerber Life Agency, which has more than 50 years of experience. Additionally, all Fabric policies are issued by Western-Southern Life Assurance Company, which dates back to 1888.

Where is Fabric life insurance available?

Fabric life insurance is available in 44 states. Fabric is not available in California, Florida, North Dakota, South Dakota, New York, and South Carolina.

Where is Fabric life insurance based?

Fabric Technologies is based in Brooklyn, New York.

Bottom Line

Thanks to its wide variety of coverage, extremely high coverage maximum, and bonus in-app features such as finance trackers and online wills, we highly recommend Fabric to family-minded applicants. If you have or are planning on starting a family, Fabric is sure to offer the degree of financial protection that will meet your and your family’s needs.

Frequently Asked Questions (FAQ)

To find a life insurance provider that works well with your needs, try to focus predominantly on your budget. How much coverage are you looking for? What is your monthly budget for premium payments? After asking yourself questions like these, request quotes from the providers in our list. Quotes are typically free, so you can directly compare one provider’s pricing and coverage with another’s.
Life insurance can matter in your 20s or 30s depending on two variables: the debts you owe and the people who depend on your income. Let’s provide two examples. Debt can fall onto loved ones from even an early age, as with students who have a parent co-sign on a student loan. In the event of the student’s death, the student loan debt would pass onto their parent. If a couple purchases a property, both partners may depend on each other’s combined income to pay off the mortgage.
Most employer-funded life insurance policies only cover 1x–2x an employee’s annual salary. For individuals who help fund others’ standard of living, this benefit amount is simply not enough to protect loved ones. Additionally, a life insurance policy is typically voided if the employee is fired or quits, making this life insurance policy much more fragile than a third-party life insurance policy.
Whatever your beneficiaries want. Beneficiaries will commonly use life insurance payouts to continue to pay off a mortgage, pay for education, or pay everyday living expenses.