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Life Insurance 101

Fabric Was Built to Help You Avoid Insurance Agents

By Jake Bronstein Jun 26, 2017

Getting covered with Fabric doesn’t require talking to an agent. Here are three important reasons we built it that way.

1. It’s Time Life Insurance Came Out of the Stone Age

Back in your grandpappy's day, talking to someone might have saved time. These days, not so much. You google things, you don’t dial 411 (even as an example, this analogy sounds antiquated).

But doesn’t working with an agent save you money? Er, no. Not necessarily. Comparing prices does though, which is why we make ours easy to find.

2. Agents Are First and Foremost Salespeople, Not Friends

Imagine if, when it came time to buy a car, we all walked onto a car lot and said, “I don’t know anything about cars, but I probably should buy one. Which car do you think is best for me?” A lot more of us would probably be driving Cadillacs!

Unfortunately, that can be what happens with life insurance agents. While they are required to offer you products that are suitable for your individual situation, this doesn’t always mean that they will be the most economical options available. In the end, life insurance agents are salespeople incentivized through commissions.

3. Adding People to the Process Adds Cost

There’s a reason why bellhops hold their hands out for tips. Human interaction isn’t cheap. One way or another, all of these costs are passed on to you. Sometimes you’d probably prefer to carry your own bags.

Granted, there are times when all of us could use a hand. In fact, in some specific instances talking to an agent can be an advantage. Licensed Fabric agents are available should you need one.

Fabric exists to help young families master their money. Our articles abide by strict editorial standards.

This material is designed to provide general information on the subjects covered. It is not, however, intended to provide specific financial advice or to serve as the basis for any decisions. Fabric Insurance Agency, LLC offers a mobile experience for people on-the-go who want a easy and fast way to purchase life insurance.


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Written by

Jake Bronstein

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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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