Term life insurance quotes
to meet your needs

Get an Estimate

Understanding Term Life Insurance Rates

The cost of life insurance varies based on a number of factors: the kind of life insurance you're looking for, your age, gender, health, whether you smoke, how risky your hobbies are and more. In some cases, you'll need to undergo a health exam to receive a final rate. That said, your application with Fabric may be able to be fast-tracked without needing a health exam.

How Do You Calculate My Term Life Insurance Quote?

Fabric Premium is a term life insurance policy. Term life insurance from Fabric covers you at time of death from natural causes or accidents. Because of that, its pricing depends in part on your age, health, family history, and lifestyle. There are five corresponding levels, from lowest to highest risk:

  • Ultra Select: Excellent health and family history, no tobacco use within 5 years, low-risk lifestyle.
  • Select Plus: Very good health and family history, no tobacco use within 3 years, low-risk lifestyle.
  • Select: Good health and family history, no tobacco use within 2 years, low-risk lifestyle.
  • Standard: Acceptable health and family history, no tobacco use within 1 year, moderate-risk lifestyle.
  • Tobacco User: Acceptable health and family history, tobacco use within a year, moderate-risk lifestyle.

What’s the Difference Between Term Life Insurance Quotes and Approved Term Life Insurance Rates?

A term life insurance quote is an estimate of how much your policy might cost, based on information you’ve given us. This is meant to give you a general sense of how much it might cost to get you insured. That said, our application asks for a much higher level of detail, like your health history and professional details. Based on this deeper dive, your final term life insurance rate may be higher or lower than our initial quote. Even if you find the approved rate higher than you expected, we give you the option to reduce the coverage amount, and in a number of states, the term length. This can help lower the monthly cost to be in line with your budget.

About Fabric

Subscribe to our newsletter

© 2019 Fabric Insurance Agency, LLC

Fabric Instant is an Accidental Death Insurance Policy (Form VL-ADH1 with state variations where applicable) and Fabric Premium is a Term Life Insurance Policy (Form ICC16-VLT and CMP 0501 with state variations where applicable). Policies are issued by Vantis Life Insurance Company. (Vantis Life), Windsor, CT (all states except NY), and by Vantis Life Insurance Company of New York, Brewster, NY (NY only). Coverage may not be available in all states. Issuance of coverage for Fabric Premium 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, accident, and health 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.‬‬

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