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Author bio headshot, Wendy Berkowitz

Wendy Berkowitz

Wendy Berkowitz is a NY-based writer who specializes in breaking down the intricacies of insurance coverage. Her work has been published in Jetty's Shield Notes blog and on Forbes Councils.

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Life Insurance 101

Mental Health & Life Insurance: What if I Have Depression?

If you’re one of the millions of Americans living with mental illness, life insurance could mean higher premiums—but not necessarily. Read this now.

By Wendy Berkowitz
Life Insurance 101

17 Common Life Insurance Riders: What You Should Know

Riders are additional coverages you can purchase along with a basic insurance policy. Here’s what you should know about life insurance riders.

By Wendy Berkowitz
Wills & Estate Planning

A Pet Trust? Your Will? How to Care for Your Pet After You’re Gone

We may view our pets like family, but legally we can’t leave money directly to them. Here’s how to take care of Fido after you’re gone.

By Wendy Berkowitz

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© 2021 Fabric Insurance Agency, LLC

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.

All sample pricing is based on a 25-year old F in Excellent health for the coverage amount shown. All samples are for a 10-year term policy, unless otherwise stated. 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 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. See the Terms of Use for additional information regarding FIA.

A.M. Best uses letter grades ranging from A++, the highest, to F, companies in liquidation. Vantis Life’s A+ (Superior) rating, which was reaffirmed in April 2020, ranks the second highest out of 16 rankings. An insurer’s financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

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