Fabric by Gerber Life Review (2026)
Backed by Gerber Life's A+ (Superior) AM Best rating, Fabric by Gerber Life is a digital-first life insurance platform built for young families and parents who are seeking fast, no-exam term coverage. Its fully online application takes a few minutes, possibly without requiring a medical exam for qualifying applicants. It also highlights an investment account for kids that helps new parents plan a financial future for their children.
Key Takeaways
Best for: Young families and new parents seeking fast, fully digital term life coverage without a medical exam.
Standout feature: A free-of-cost digital will creation tool along with a kids investment account for overall financial needs of a family.
Products offered: Term life insurance in 10, 15, 20, 25, and 30-year terms.
Financial strength: A+ (Superior) from AM Best, assigned to Gerber Life Insurance Company, the underwriting carrier.¹
How to access: Entirely online application process available on the website or mobile app.
About Fabric life insurance (Fabric by Gerber Life)
Fabric was founded in 2015 as an independent insurtech company focused on simplifying life insurance access for young families. The platform emphasizes a fast, mobile-friendly application process and a streamlined term life insurance experience designed to be completed entirely online.
Beyond term life insurance, Fabric provides kid’s investment accounts and a free digital will creation tool. Policies are issued and underwritten by Gerber Life Insurance Company, with the entire application managed online through Fabric's platform without the involvement of agents.²
What Is the Relationship Between Fabric and Gerber Life?
Fabric was founded in 2015 by Adam Erlebacher and Steven Surgnier as an independent digital platform serving term life insurance to young parents. In 2021, the company was acquired by Western & Southern Financial Group. Following this acquisition, the digital platform was rebranded as Fabric by Gerber Life insurance.³
Today, Fabric serves as the digital platform that allows consumers to obtain quotes, apply for coverage, and manage their policies online. However, the policies are underwritten and issued by Gerber Life, which is known for its strong financial strength and claims paying ability. When an applicant completes the Fabric application, they are entering into a life insurance contract with Gerber Life Insurance Company, not a contract with Fabric itself.
Fabric Life Insurance Review for 2026
Fabric life insurance (Fabric by Gerber Life) combines a fully online term life insurance experience with practical family planning tools, including a digital will and family organizer. This 2026 Fabric life insurance review looks at its coverage options, application and claims processes, customer experience, and pros and cons to help you decide whether it is a good fit for your family.
Fabric by Gerber Life’s Financial Strength and Ratings
For fabric life insurance policies, the AM Best rating reflects the financial standing of Gerber Life Insurance Company, the carrier that issues and underwrites every policy sold through the Fabric platform.
- Gerber Life AM Best: A+ (Superior)¹
- BBB: A+ (Accredited Business)⁴
- Trustpilot: 4.5/5 stars⁵
The BBB rating reflects the company's business practices, transparency, and complaint-handling record, while the Trustpilot rating highlights generally positive customer experiences and satisfaction with the company's products and service.
Fabric by Gerber Life Insurance Products
Fabric focuses primarily on term life insurance, making it a straightforward option for buyers seeking death benefit protection without the added complexity of permanent coverage.
Term Life Insurance
Fabric offers flexible term life insurance policies designed for families and young parents seeking affordable coverage during the most financially challenging years of their lives. Term policies provide financial protection for a set period, helping loved ones cover expenses such as income replacement, debts, and future financial needs.⁶
Key features of Fabric term life insurance include:
- Term length options: Choose from 10-year, 15-year, 20-year, 25-year, or 30-year term lengths.
- Coverage amounts: Coverage ranges from $100,000 to $5 million, depending on eligibility.
- Issued by Gerber Life: All policies are underwritten and issued by Gerber Life Insurance Company.
- Online application: Apply entirely online with a streamlined, digital application process.
- No-medical-exam options: Eligible applicants may qualify for coverage without a medical exam.
- 30-day money-back guarantee: Policyholders can cancel within the first 30 days of purchase for a full refund of premiums paid.
Available Riders and Add-Ons
Fabric offers a limited selection of riders that can enhance the protection provided by its term life insurance policies.⁶
- Accelerated Death Benefit Rider: Included at no additional cost with eligible Fabric term life insurance policies. If the insured is diagnosed with a qualifying terminal illness and has a life expectancy of 12 months or less, they may be able to access a portion of the policy’s death benefit while still living to help cover medical expenses or other financial needs.
- Accidental Death Benefit Rider: Provides an additional benefit if the insured dies as the result of a qualifying accident. This optional rider can be added when purchasing a policy or within the first 30 days after purchase.
Fabric life insurance Underwriting and Application Process
Fabric life insurance (Fabric by Gerber Life) uses a mix of traditional and accelerated underwriting through algorithmic data review, enabling same-day decisions for most applicants without the need for a medical exam.
Medical Exam Requirements
A medical exam is not required for most applicants pursuing Fabric life insurance. The platform evaluates applicants using prescription drug history, MIB Group records, and motor vehicle report data processed algorithmically in real time. Applicants with significant health history or those seeking higher coverage amounts may be referred for additional review which may include medical tests, bloodwork or urine profile reports for approval.
How to Apply for Fabric Life Insurance
Fabric’s application process is fully digital and can be completed through its website or mobile app without speaking with an agent. Many applicants receive a decision within minutes, although some may need to provide additional health information or complete further underwriting.
- Visit the Fabric website or download the mobile app to begin the application process and receive a personalized life insurance quote.
- Complete the online application by providing basic personal information and answering a series of questions about your health, lifestyle, and coverage needs.
- Submit your application without the need to work with an insurance agent, as the entire process is handled digitally.
- In many cases, applicants receive an underwriting decision in a few minutes, although some applications may require additional review.
- If approved, carefully review your policy details, coverage amount, and premium information before electronically signing the required documents.
- Make your first premium payment to activate your policy and put your coverage in force.
Fabric Life Insurance Customer Experience
Fabric by Gerber Life operates as a fully digital service model with no agent network. All standard policyholder interactions take place through the web platform and mobile app.
Customer Service and Contact Options
Fabric by Gerber Life provides customer support by phone, email and an online help center. Here are a few contact options for you:⁷
- Phone: (917) 765-3572
- Email: [email protected]
- Mailing Address: 400 Broadway, Cincinnati, OH 45202
An AI-backed live chat option is also available for policyholders that handles general queries, along with specific policy or claims-related issues, without requiring live agent interaction. Current contact hours and direct phone numbers are listed on the company's support page.
Fabric Life Insurance Claims Process
Beneficiaries can begin the claims process by contacting Gerber Life directly and submitting the required documentation. Here’s how the claims process.
- Contact Gerber Life's claims department by phone or written correspondence to notify the company of the insured's death and initiate the claims process.
- Complete and submit the required claim forms provided by Gerber Life.
- Provide a certified copy of the death certificate and the original policy document, if available.
- Respond promptly to any follow-up requests to help avoid delays in claim processing.
- Once all required documents have been received and reviewed, Gerber Life will evaluate the claim and determine eligibility for benefits.
- Standard claims are generally processed within 30 to 60 days, although processing times may vary depending on the complexity of the claim.
Mobile App and Online Access
Fabric by Gerber Life offers a mobile app available on both iOS and Android that allows policyholders to view policy details, manage premium payments, and access digital documents. The app also includes Fabric's supplemental tools: a legally valid will-creation tool and a digital family organizer to store beneficiary information and important household documents for easy access when needed.
Fabric by Gerber Life Pros and Cons
Fabric by Gerber Life stands out for its streamlined digital experience, fast application process, and strong financial backing. However, its product offerings are more limited than those of some competitors, which may not appeal to several buyers.
Pros of Fabric Life Insurance
- Fully digital application process that allows applicants to get quotes, apply for coverage, and manage policies online.
- No medical exam required for many qualifying applicants, helping speed up the approval process.
- Backed by Gerber Life's A+ (Superior) AM Best rating, reflecting strong financial stability and claims-paying ability.
- Includes valuable supplemental tools at no additional cost, such as an online will creator and Family Organizer.
- Coverage amounts up to $5 million can meet the needs of families seeking substantial financial protection during the most challenging years of their lives.⁶
Cons of Fabric Life Insurance
- Limited product selection, as Fabric primarily focuses on term life insurance rather than offering a broad range of policy types.
- Few rider options available, providing less customization than some competing insurers.
- Single-carrier structure, meaning all policies are issued through Gerber Life rather than multiple insurance partners, leaving no room for comparison.
Ethos vs. Fabric life insurance (Fabric by Gerber Life)
Ethos and Fabric life insurance both cater to buyers seeking a fast, online life insurance buying experience. While they share a digital-first approach, they differ in carrier access, underwriting flexibility, and overall customer experience.
Flexibility in carrier choice
- Ethos: Ethos partners with multiple insurance carriers, allowing applicants to compare coverage options and secure more competitive rates based on their individual profile.
- Fabric: Fabric offers policies exclusively through Gerber Life, creating a streamlined experience but limiting applicants to a single carrier's rates and underwriting guidelines.
No-medical-exam availability
- Ethos: Ethos is built around a fully digital, no-medical-exam application process. Applicants are required to answer a set of health questions to qualify for coverage.
- Fabric: Fabric offers no-medical-exam coverage for many qualifying applicants, but it is not guaranteed for everyone. Depending on an applicant's age, health history, and coverage amount requested, additional underwriting requirements may apply.
Difference in buyer intent
- Ethos: Ethos focuses primarily on helping consumers find life insurance coverage through a simple online application and carrier comparison experience.
- Fabric: Fabric combines life insurance with additional tools such as an online will creator and Family Organizer, making it appealing for families seeking an all-in-one platform.
More Life Insurance Reviews
FAQs on Fabric life insurance (Fabric by Gerber Life)
Fabric life insurance (Fabric by Gerber Life) is a good fit for young families and new parents who want a fast, fully online way to purchase term life insurance. Its straightforward application process, no-medical-exam options for many applicants, and built-in family planning tools appeal to consumers who prioritize convenience and simplicity.
Fabric by Gerber Life primarily offers term life insurance with coverage amounts ranging from $100,000 to $5 million and term lengths of 10, 15, 20, 25, or 30 years. The company does not currently offer whole life, universal life, or other permanent insurance products.
Consumers can purchase coverage directly through Fabric's website or mobile app without working with an insurance agent. Applicants complete an online questionnaire, and in many cases, receive an underwriting decision in many cases within minutes. Coverage will become active once the first premium has been paid.
Fabric is generally geared toward younger and middle-aged applicants seeking term life insurance rather than seniors looking for final expense or guaranteed issue coverage. While older applicants may qualify depending on age and health, the platform is not specifically designed for estate planning or retirement needs.
Customer feedback is generally positive, with an A+ accreditation from Better Business Bureau (BBB). Many policyholders praised the platform's ease of use, quick application process, and digital-first experience. Reviews frequently highlight the convenience of online account management and family planning tools, while some customers prefer insurers offering broader policy and rider selections.
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Chief Underwriter
Expert review
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Last updated: July 15, 2026
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