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Life Insurance 101

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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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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