| 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. |
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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.
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 |
|---|---|
| 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. |
Easy to understand and even easier to sign up for, Fabric offers one, simple life insurance policy: 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.
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:
Fabric is available in every state except:
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.
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:
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.
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:
$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.
New applicants can sign up for Fabric life insurance in three easy steps:
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.
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.
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