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Terms of UsePrivacy PolicySecurity PolicyE-sign ConsentReferral Program

Referral Program

Last modified: January 11, 2022

Fabric may, from time to time, offer you the opportunity to refer your friends to complete a Qualifying Application (defined below) via our referral program (“Referral Program”). Participation in the Referral Program is subject to the terms and conditions set forth below.


The Referral Program is open only to residents of certain states within the United States of America. Residents of Florida, Michigan, Montana, New York, South Carolina and the District of Columbia are not eligible to participate in this Referral Program. Users in eligible states will receive $25 USD per Valid Referral (as defined below).

To participate in the Referral Program, you must be a registered user. To register, go to You will be required to provide your email address. If you are not already a registered user, you will be invited to register and will become a member of the Referral Program. All information collected by us will be subject to our Privacy Policy (

If you are already a registered user, you can become a member of the Referral Program by going to

All users who desire to participate in the Referral Program must check the box confirming your agreement to our Terms of Use (including these Referral Program terms and conditions) ( and our Privacy Policy (

Referral Rewards

You can earn a $25 USD cash reward per Valid Referral you make. Rewards payable to any one person will be limited to an aggregate of $100 per year. In order to qualify as a “Valid Referral”: (i) you must refer a friend as provided herein, (ii) your referred friend must not be an existing user and must be a first-time applicant for a Fabric policy as a result of your referral, (iii) your referred friend must click on your referral link and create a valid Fabric account, (iv) your referred friend must complete an application that is a Qualifying Application and (v) your referred friend must receive an Approved Offer. A “Qualifying Application” is an application for a Fabric insurance policy that is completed by your referred friend whose identity has been successfully verified by Fabric. An “Approved Offer” is the approval by Fabric of a Qualifying Application, including final pricing. All Approved Offers will be made at Fabric’s sole discretion and determination.

You may send invites to friends via (i) email, (ii) Facebook, (iii) Instagram, (iv) Twitter, (v) LinkedIn or (vi) text message. In each case, Fabric will send you a link that will provide the relevant content to share with your friend that you can send.

Rewards are subject to verification. Fabric may delay a reward for the purposes of investigation. Fabric may also refuse to verify and process any transaction for any reason. Completing an application for insurance does not obligate you or your referred friend to purchase insurance, and no purchase of insurance is necessary for either you or your referred friend to participate in the Referral Program.


You are solely responsible for tax consequences, if any, that may result from your receipt, redemption or use of Referral Program rewards. Where applicable, Fabric may be required to send tax statements to you and the relevant taxing authorities.

Restrictions and Exclusions

  1. You cannot refer yourself, create multiple or fictitious accounts with Fabric or refer a friend more than once.

  2. You cannot use the Referral Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Referral Program.

  3. You cannot “spam” anyone with referral invitations. This includes mass emailing, texting or messaging people you do not know or using automated systems or “bots” through any channel to distribute your referral link or code, or texting repeatedly or at odd hours. You may not text someone who has not previously consented to receiving your texts, and if someone asks you to stop texting about the Referral Program, you must immediately honor their request.

  4. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with personal acquaintances. You are prohibited from paying to advertise your referral link. You also cannot pay your friends to apply for coverage or share your referral fee with them. Fabric has no obligation to monitor the Referral Program or any communications that you send to third parties; however, Fabric may choose to do so and prohibit any use of the Referral Program. If you do not comply with applicable law, including anti-spam laws, you are obligated to indemnify Fabric against any liabilities, costs and expenses incurred as a result of such spam.

  5. You may not (i) tamper with the Referral Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, “bot” or other device or artifice to participate or receive any benefit in the Referral Program. This includes, but is not limited to, a general prohibition on posting of any referral links or codes on any websites or blogs that offer the referral links or codes to anyone other than friends who you personally know (e.g., bulletin boards, coupon websites, Reddit, or Wikipedia).

  6. When referring a friend, you may make truthful statements about your experiences with Fabric’s products and services and the buying process (for example, that the process is “easy, fast, and affordable”). However, you may not ask a friend to purchase a Fabric insurance policy and may not discuss any details of the policies, coverage amounts, or rates.

  7. A referred friend may only use one referral link. If a referred friend receives referral links from multiple users, only the link first used by the referred friend will be eligible for a reward.

Termination and Changes

We may modify, suspend or terminate the Referral Program or the ability to participate in the Referral Program at any time for any reason with or without notice. We reserve the right to investigate all referral activities and to suspend accounts, not pay rewards, or rescind rewards if we notice any activity that we believe is abusive, fraudulent, or in violation of the our Terms of Use or Privacy Policy. We also reserve the right to limit the number of referrals or reject any referral made by any user in order to comply with applicable law or to prevent any violation of our Terms of Use or Privacy Policy.

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© 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.