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Welcome to Fabric

By Adam Erlebacher Mar 21, 2017

Forget everything you thought you knew about life insurance. Today, Fabric is opening its doors in 32 states.

That means if you live in Texas, Illinois, Ohio or 29 other states, you can have life insurance coverage about 2 minutes after you finish reading this sentence (we timed it!). Our accidental death plans start at $6/mo for $100,000 in coverage and you can do it on your phone, tablet, or desktop. Gone are the meetings with agents, complex and costly policies, and weeks of waiting. For the 37 million American families with no life insurance coverage, this is a big deal.

We believe all families deserve a secure financial future and we are happy to be on our way to fulfilling that vision.

Here’s how Fabric works:

If you’re 25 to 44, accidental death is your life’s single biggest risk. Fabric Instant covers you with accidental death insurance in about 2 minutes, on your phone. You can upgrade coverage later to include death from accidents and illnesses by replacing Fabric Instant with Fabric Premium, a term life insurance policy. Our policies are issued by Vantis Life, which was founded in 1942 and has a rating of “A” (“Excellent”) for financial strength and claims-paying ability from A.M. Best.

Fabric is where new parents come to start their new family's financial life. It’s such an exciting time, and you shouldn’t need to become an insurance expert to make a good decision for your family. No matter what an insurance agent may tell you, it should be straightforward to purchase the coverage you need. We get you on the right path with minimal cost and effort.

Anyone who buys life insurance is planning for the future. Our customers are ambitious, thoughtful, caring and selfless. They should feel confident because their family has the financial support they need. If we can make life insurance affordable and easy to buy, then we can help the 37 million American families without life insurance get on the right path. No agents necessary.

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


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Written by

Adam Erlebacher

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© 2022 Gerber Life Agency, LLC

Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). 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. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All sample pricing is based on a 30-year old F in Excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

Western-Southern Life Assurance Company's A+ Superior A.M. Best Rating: Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Ratings are subject to change from time to time. The ratings shown here are correct as of 09/03/2022. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

Plan like a parent. is a trademark of Fabric Technologies, Inc.

Gerber Life is a registered trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.