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Fabric review
Fabric review
Fabric review
Fabric review
November 08, 2022 / Catherine Miller
Fabric review
Fabric review
November 08, 2022 / Catherine Miller
Life insurance & estate planning tools
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Fabric
Editorial Score 8.2
Policy options and coverage
2-4 policy options, focusing on term life insurance
8.0
Premium rates
Premiums are in line with industry averages, offering competitive rates for specific demographics
8.0
Claims process
Claims are typically processed within 3-5 business days, and payouts are made within 1-2 weeks
9.0
Rider options and add ons
Standard range of rider options, like accelerated death benefit and waiver of premium, with a few additional choices
8.0
Customer support
Reliable support during standard business hours by phone and email, support staff are licensed insurance agents
8.0

Overview

Life insurance policies offered by Fabric by Gerber Life are aimed at people with families. Its app also allows you to create a will, manage college savings, and set up a rainy day savings fund, too. It’s, therefore, a great one-stop solution for taking care of your family. Applying for life insurance with Fabric by Gerber Life is quick and easy, and you’ll have all your policy details available on the app. Plus, your insurance comes with a 30-day money-back guarantee and can be canceled at any time. For busy people who are looking for a way to protect their loved ones, Fabric by Gerber Life is a great choice.

Pros

  • Manage life insurance and will on one app
  • Instant decisions possible
  • Cancel coverage at any time

Cons

  • Not available in New York
  • Only offers term life insurance

Suitable For?

Fabric by Gerber Life is designed for busy families. Its life insurance is quick and easy to apply for and manage. Plus, you can get more peace of mind by creating free wills for both yourself and a partner and a college fund for your kids. You will need to apply for insurance separately from your partner, but you can invite them to use Fabric by Gerber Life too, and you can share details of your policy with them as a named beneficiary.

Fabric by Gerber Life is available in all states apart from New York. To qualify for life insurance coverage, you will usually need to have at least acceptable health and family health history, and have a better than moderate-risk lifestyle. In some cases, you may be able to access insurance as someone with a higher-risk lifestyle or existing health conditions.

Features/Highlights

Fabric by Gerber Life’s life insurance, will, and savings services have a range of appealing features that make the service perfect for its target audience.

  • Life insurance coverage from $100,000-$5,000,000: Customize your policy by choosing your desired level of coverage.
  • Premiums start at $13.71/month and will vary according to your profile and coverage needs. For example, a 29-year-old woman in excellent health will pay $14.61 for $250,000 of coverage; a 42-year-old woman in excellent health will pay $41.61 for $500,000 of coverage.
  • Term lengths from 10-30 years: Choose your desired term length (10, 15, 20, 25, or 30 years).
  • 30-day money-back guarantee: Get a refund on your first month if you decide Fabric by Gerber Life isn’t for you.
  • Accidental death coverage also available: Get covered just for accidental death at a cheaper rate than full life insurance.
  • Apply for insurance on the app: The application process usually takes under 10 minutes, and in many cases, you can get an instant decision.
  • Skip a medical exam in most cases: The majority of applications will not require an exam.
  • Create a will in just a few minutes on the app: Create two free online wills (with your partner). Fabric by Gerber Life will also walk you through the print and sign process to make your wills legally binding.
  • Save into a 529 college plan: Save for your children’s future with a savings plan free from federal taxes. Other family members and friends can also contribute to the fund. This is an investment account separate from your insurance policy, and the investment firm managing your money will depend on which state plan you choose (which doesn’t need to be the state you live in). You can use the Fabric by Gerber Life app to manage your contributions.

Policy Types and Terms Available

Fabric by Gerber Life’s life insurance is offered on a term basis, rather than whole life. This means you’re covered for a specific length of time, and with Fabric by Gerber Life you can choose how long that is (from 10-30 years). Fabric by Gerber Life will pay out if you die during the term of the policy, with death by accident or illness covered. Suicide is excluded.

You can also purchase accidental death insurance from Fabric by Gerber Life. This is cheaper than life insurance, but only covers death from unexpected events and not illness. Premium prices will vary depending on the amount of coverage you require (between $100,000 and $500,0000).

Application Process

Applying for life insurance with Fabric by Gerber Life is easy and takes less than 10 minutes.

How it works:

  • Enter basic personal details.
  • Answer questions about your lifestyle, including medical history, tobacco use, and hobbies.
  • Either an offer is made immediately, or your application is referred to underwriters for assessment.
  • Fabric by Gerber Life will notify you if your application is declined.
  • In rare cases, you may need to have a medical exam.
  • Once you’ve accepted an offer, add beneficiaries via your Fabric by Gerber Life account.

In most cases, the application can be completed in a matter of minutes and you’ll get a quick decision. Coverage starts as soon as you make your first payment.

How Safe Is It?

Fabric by Gerber Life offers a 30-day money-back guarantee, so if you’re not happy with your purchase in the first month, you’ll get a refund. You can also cancel your coverage at any time. There’s no fee, but you will need to fill in a form to request a cancellation. Nevertheless, this is a useful backup in case it turns out that Fabric by Gerber Life’s coverage doesn’t suit you.

Fabric by Gerber Life has a very good reputation. It’s accredited by the Better Business Bureau (BBB) with an A+ rating (the highest possible) and no complaints registered. On Trustpilot, 85% of 1,835 reviews rate the company as “excellent,” with users noting how quick and easy Fabric by Gerber Life’s processes are.

Help & Support

Support starts on the Fabric by Gerber Life website, where you can use the company’s FAQ and blog to learn more about Fabric by Gerber Life’s service and life insurance in general. You can also contact support by email, phone, or chat. Live support is available Monday to Friday, 9AM-6PM EST.

If a claim needs to be made on Fabric by Gerber Life life insurance, the beneficiary or someone else close to the policyholder will need to send a support message to Fabric by Gerber Life within 20 days of the person’s death. Fabric by Gerber Life will walk them through making the claim.

First, they will need to complete an “initial death claim notification,” a short questionnaire. After this point there will be more forms to fill in, which will be provided by email. If there is nothing to investigate, and the death took place outside the 2-year period of contestability (the time during which claims and original applications can be investigated for inconsistencies), payments can be processed within 3 days.

Fabric by Gerber Life At A Glance

Fabric by Gerber Life is a great one-stop solution for people who want to provide for their loved ones if the worst should happen. It’s quick and easy to apply for term life insurance or accidental death coverage on the Fabric by Gerber Life app, which will keep your policy details handy, too. Your policy is customizable according to the length of term and amount of coverage you prefer, and premiums will change based on these details as well. Plus, to increase protection for your family, you can also create a will or save into a college fund. With an excellent user reputation and a 30-day money-back guarantee, taking Fabric by Gerber Life for a test drive is virtually risk-free, and the company delivers great value for those with families.

Physical Address

20 Jay St., Ste. 438

Brooklyn, NY 11201

Disclaimer

Accidental Death Insurance policies (Form VL-ADH1 with state variations where applicable) and Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT (all states except NY), and by The Penn Insurance and Annuity Company of New York (NY only). Coverage may not be available in all states. 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. Policy obligations are the sole responsibility of Vantis Life.

Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT. Coverage may not be available in all states. 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. Policy obligations are the sole responsibility of Vantis Life.

Fabric by Gerber Life Insurance Agency, LLC (FIA) is an insurance agency licensed to sell life and accident insurance products. FIA will receive compensation from Vantis Life for such sales. The NAIC Company Code for Vantis Life is 68632.

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By Catherine Miller
Catherine Miller is a lead member of personal finance and pension innovator Maji, where she’s responsible for content creation and running Maji’s personal finance masterclass, among others. Miller also holds degrees in English and education, and worked as a teacher before moving into finance. Today, she combines aspects of education and personal finance to help readers make better decisions in finance and beyond.