Fast, fully digital coverage from a name families trust
Fabric by Gerber Life is a digital-first life insurance platform founded in 2017, offering term life policies alongside a suite of financial planning tools designed specifically for families. With coverage amounts ranging from $100,000 to $5 million and term lengths of 10, 15, 20, 25, or 30 years, Fabric aims to make life insurance simpler and more accessible through a fully online application process.
In this review, we’ll take an in-depth look at what Fabric offers — including coverage details, pricing, the application process, claims handling, and what customers are saying — to help you decide whether it’s the right fit for your needs.
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Get My RateFabric’s term life insurance policy provides coverage ranging from $100,000 to $5 million, with term lengths of 10, 15, 20, 25, or 30 years. Policies are issued by Western-Southern Life Assurance Company, a financially established insurer. Here’s what’s included:
Like most life insurance providers, Fabric’s premiums are influenced by factors including age, gender, location, health status, lifestyle, and the coverage amount selected. According to Fabric, their most competitive rates are typically available to applicants between the ages of 25 and 50. Applicants outside this range may still qualify for coverage, but should expect somewhat higher premiums due to increased age-related risk factors.
Applying for coverage with Fabric is a fully online experience. The process begins with some basic information — your age, state, and desired coverage amount. Fabric also displays examples of recent customer purchases to give you a sense of what similar applicants are paying monthly.
Account setup takes approximately 5 to 10 minutes and requires your email address, legal name, and personal details including date of birth, gender, and citizenship status. The application then moves into lifestyle and health-related questions, which may include:
Based on your responses, most applicants will either receive an instant coverage offer or be moved into a manual review process for additional evaluation. Approval decisions typically take 24 to 48 hours.
Fabric’s term life insurance policy provides a death benefit to the named beneficiaries if the policyholder passes away during the coverage term. This lump-sum payout can be used to cover a wide range of expenses, including mortgage payments, childcare, everyday living costs, and outstanding debts. The policy covers most natural and health-related causes of death.
It’s important to note that the policy does not cover all circumstances. Deaths resulting from suicide within the first two years of the policy’s start date are excluded. Additionally, claims may be denied if fraud or material misrepresentation is discovered during the application process.
Fabric’s claims process is designed to be straightforward, so beneficiaries can access the death benefit with as little stress as possible during a difficult time.
To initiate a claim, beneficiaries will need to provide the insured person’s policy number and date of birth, along with a certified copy of the death certificate (which is not required immediately to begin the process). Claims can be submitted by contacting Fabric’s customer service team, who will guide you through the required steps and documentation.
Once all required documentation has been submitted and verified, payouts are typically completed within three business days.
Like most life insurance policies, Fabric includes a standard two-year contestability period. During this time, the insurer reserves the right to review the original application for misrepresentation or omissions. If inaccuracies are found, a claim may be denied. After the contestability period ends, claims are generally honored without further investigation, provided all premium payments are current.
If no one files a claim, the death benefit remains with the insurer. Policyholders should keep beneficiary information up to date and ensure that beneficiaries are aware of the policy to prevent this situation.
Here’s a quick summary of the key advantages and limitations of Fabric by Gerber Life:
Pros:
Cons:
Fabric by Gerber Life holds a Trustpilot rating of 4.8 out of 5 stars based on over 2,256 customer reviews. Customers consistently praise the platform’s ease of use, quick application process, and straightforward approach to buying life insurance online.
Among negative reviews, some customers have reported unexpected requests for medical exams after initially being told none was required — leading to confusion and delays. Others have mentioned difficulties when attempting to cancel policies or obtain refunds, describing the process as slower than expected. These are relatively common pain points in the life insurance industry, but worth keeping in mind as you evaluate your options.
Fabric by Gerber Life is a solid choice for individuals and families seeking straightforward, affordable term life insurance with a modern, digital-first experience. Coverage amounts up to $5 million, terms of up to 30 years, and no medical exam for many applicants make it a flexible and accessible option for a wide range of buyers.
Extras like free digital will creation and financial planning tools add genuine value beyond just the insurance policy itself. That said, it’s always worth comparing multiple providers before committing — and reading the fine print carefully so you understand what is and isn’t covered. As with any life insurance purchase, an informed decision is the best one.
Fabric by Gerber Life is one of our top-rated term life insurance providers.
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