Life Insurance
Insurance 101
Live Chat
Log In
Apply Now

Editorial Standards

Fabric exists to help families master their money. While we offer financial products such as life insurance and wills, our articles always abide by strict editorial standards.

We promise to provide you fair, unbiased stories that reflect our core values of compassion, joy and exploration. That means we avoid conflicts of interest, and we’ll always be upfront if we have financial skin in the game.

We promise to base our articles on trusted, third-party research and our own expertise, and to always provide you with the best, most meaningful insights—even if doing so works against our own bottom line.

Read our articles

Our Mission

Fabric is where parents come to start their families' financial lives. Fabric makes life insurance easy and offers a fleet of simple tools to help people stop procrastinating and start tackling their must-do lists. With Fabric's app, parents can buy modern, affordable life insurance, create a free will and organize their family's important financial information.

What kinds of sources do we use?

We always strive to make our articles as comprehensive as we can, which means tapping into the insights of experts, data and outside sources. Here’s how we approach our citations:

  • In-house thought leadership: Our team includes top insurance experts who lend their insights to our articles, FAQs and other items that we write. Even when we don’t quote them in a given story, these experts are always on hand to help fact check and answer our questions to ensure that we’re publishing high quality content. This includes licensed life insurance agents who work for Fabric and always have important guidance to share.

  • Outside experts: We always seek out the most qualified person for each topic. So whether that’s a life insurance underwriter, agent, lawyer, accountant, financial planner or some other professional, we do the legwork to speak to those who can best inform each article.

  • Reputable studies and data: This could include surveys from groups like Life Happens, a reputable industry nonprofit, the National Association of Insurance Commissioners (NAIC), Insurance Information Institute (III), and Life Insurance Marketing and Research Association (LIMRA) and more. We also look to well-respected surveys to understand the broader landscape of our culture and financial landscape, including Pew Research, Harris Poll and more.

  • Government data: Particularly when examining trends in society, we often look to information from arms of the government such as the Census Bureau to inform and elevate our writing—and our understanding of the country.

Whenever we can, we link or cite our sources so you can tell where we’re getting our information.

About Fabric

Fabric by Gerber Life offers life insurance policies issued by Western-Southern Life Assurance Company, a Western & Southern company (with a heritage dating back to 1888), rated "A+" ("Superior") for financial strength by A.M. Best. Learn more about Fabric and download the app at

Fabric by Gerber Life Logo

About Fabric




Download Fabric’s iOS mobile app through the Apple App Store
Download Fabric’s android mobile app through the Google Play app store

© 2023 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.