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Fabric by Gerber Life's term policies are issued by Western-Southern Life Assurance Company, rated A+ (Superior) by AM Best. It is a legitimate online agency owned by Western & Southern Financial Group, which bought it in January 2022. You can apply in about 10 minutes and qualified applicants get an instant decision with no exam, for $100,000 to $5 million over 10 to 30 years. Customer ratings are strong (4.6 on Trustpilot from 2,375 reviews), while BBB rates it B+ with 8 complaints in three years.
- Coverage
- $100,000 to $5 million of level term life1
- Term lengths
- 10, 15, 20, 25 or 30 years; 30 years up to age 45, shorter terms as age rises, 10 years only at 66 to 703
- Starting price
- From $7.85 a month for a 25-year-old woman buying $100,000, as listed October 20261
- Insurer
- Western-Southern Life Assurance Company, AM Best A+ (Superior) as of March 26, 2026; policies sold before September 3, 2022 were issued by Vantis Life2
- Refunds
- Full refund of your first payment if you cancel within 30 days; cancel any time after with no fee4
- Riders
- Terminal illness accelerated death benefit built in; optional accidental death rider at purchase or within 30 days, where available5
- Owner
- Gerber Life Agency, LLC, part of Western & Southern Financial Group, which acquired Fabric in January 20226
- Other tools
- Free digital will, UGMA kids investment account and a baby-on-the-way savings account in the same app7
Pros
- Policies issued by an A+ (Superior) rated insurer
- Instant no-exam decisions for qualified applicants
- Starting price and coverage limits published
- 30-day full refund, and no fee to cancel later
- Terminal illness benefit included at no extra cost
Cons
- Term life only; no whole or universal life
- Coverage capped at $5 million and terms at 30 years
- Older applicants get shorter terms, only 10 years at 66 to 70
- Premiums rise every year if you keep coverage past the term
- Monthly card billing only, and you can't change the billing date
Best for: Parents and other adults under 70 who want a straightforward term policy online, quickly, from a strongly rated insurer.
Skip it if: You need permanent coverage, more than $5 million, a term longer than 30 years, or have health issues that call for a broker who shops several insurers.
Fabric by Gerber Life vs. competitors
| Company | Insurer rating | Term lengths | Coverage | Published starting price |
|---|---|---|---|---|
| Fabric by Gerber Life | A+ (Superior), per Fabric | 10 to 30 years | $100,000 to $5 million | From $7.85 a month |
| Prudential | A+ (Superior), affirmed May 2026 | 5 to 30 years | Up to $65 million | Not published |
| Banner Life | Now Banner Life; A (Excellent) | 10 to 40 years | From $100,000 | From $8 a month |
| Amica Life | A+ (Superior) | 10 to 30 years | Not published | Not published |
Fabric by Gerber Life pricing at a glance
Fabric term life, as listed October 20263
| Your age | Longest term | Coverage range | Published example |
|---|---|---|---|
| 45 and under | 30 years | $100,000 to $5 million | From $7.85 a month: 25-year-old woman, $100,000 |
| 46 to 49 | 25 years | $100,000 to $5 million | Quote required |
| 50 to 60 | 20 years | $100,000 to $5 million | Quote required |
| 61 to 65 | 15 years | $100,000 to $5 million | Quote required |
| 66 to 70 | 10 years | $100,000 to $5 million | Quote required |
Premiums are charged monthly by card and stay level during the term. When the term ends, coverage continues automatically but the premium rises each year, so cancel or replace it if you no longer need it. Fabric's quick quote tool doesn't show Standard rates or lower, so your final price can be higher than the estimate.
Fabric by Gerber Life, step by step
Get a quick quote
Enter age, gender, state, smoking status and a self-rating of your health. No contact details needed for the estimate.
Apply online
Most people finish in about 10 minutes, answering questions on work, lifestyle and health history.
Underwriting check
Fabric checks MIB, DMV, pharmacy and consumer report data you authorize; it's a soft check that doesn't affect your credit score.
Decision and payment
You may get an instant offer, a request for more information, or a decline. Coverage starts once your first payment goes through.
Keep or cancel
Cancel within 30 days for a full refund, or any time after with no fee. Add beneficiaries and a free will in the app.
Fabric by Gerber Life legitimacy and licensing
Yes. Fabric was founded in 2015 in Brooklyn and acquired by Western & Southern Financial Group in January 2022. Western & Southern also owns Gerber Life Insurance Company, which it bought in 2018. Fabric is now run by Gerber Life Agency, LLC, a licensed agency.
New policies are issued by Western-Southern Life Assurance Company, which Fabric says is rated A+ (Superior) by AM Best. Policies bought from 2017 to September 3, 2022 were issued by Vantis Life Insurance Company and stay with Vantis. Trustpilot shows 4.6 out of 5 from 2,375 reviews. BBB rates it B+ and accredited, with 8 complaints in three years.
Fabric life insurance cost
Fabric lists term life from $7.85 a month, based on a 25-year-old woman buying $100,000. Your price depends on age, gender, health, tobacco use, coverage and term, and Fabric checks MIB, DMV and prescription records. The quick quote tool shows only better health classes, so the price you’re offered after underwriting can be higher.
Premiums are fixed for the term and billed monthly by card. There are no policy fees beyond the premium, Fabric says. When the term ends, coverage continues automatically with a premium that rises every year; the future rates are in your policy’s Schedule of Benefits.
Coverage, ages and riders
Fabric sells level term life from $100,000 to $5 million. Term length depends on age: up to 30 years at 45 and under, 25 years at 46 to 49, 20 years at 50 to 60, 15 years at 61 to 65 and 10 years at 66 to 70. Every policy includes an accelerated death benefit for a terminal illness with 12 months or less to live.
An optional accidental death rider can be added at purchase or within 30 days, with no extra health questions, in states where it’s offered. Fabric no longer sells standalone accidental death policies; older ones issued by Vantis Life remain in force.
What customers say about Fabric by Gerber Life
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Quick, simple online application
- Instant decisions without a medical exam
- Free will tool in the same app
- Responsive support by chat and email
Common complaints
- Declines or requests for medical records after applying
- Identity verification problems during the application
- Final price higher than the quick quote
- Billing limited to monthly card payments on a fixed date
Complaints and how to avoid problems
BBB lists 8 complaints in three years. Recurring issues in reviews are declines or extra underwriting after applying, identity checks that stall applications, and offers priced above the quick quote. Answer health questions fully and accurately: claims filed in the first two years can be reviewed against your application during the contestability period, which can delay payment.
Coverage doesn’t start until your first payment succeeds, so don’t cancel an old policy until the new one is active.
Cancellation, refunds and claims
Cancel within 30 days of buying for a full refund of your first payment. After that you can cancel any time with no fee, and coverage ends. To file a death claim, beneficiaries contact Fabric at [email protected]; Fabric says complete claims can often be paid within a few business days, longer for claims in the two-year contestability period or under investigation.
Rules that protect you
Life insurers are regulated by your state insurance department, where you can file a complaint. You can check an insurer’s license and complaint record with the NAIC Consumer Insurance Search. If an insurer fails, your state guaranty association covers life policies up to a limit, often $300,000 in death benefits.
Alternatives to Fabric by Gerber Life
- Coverage through work Check group life from your employer first; it's often free or cheap, though it usually ends when you leave the job.
- Banner Life Better if you want a term longer than 30 years. Legal & General America became Banner Life in February 2026 after its sale to Meiji Yasuda; AM Best moved its rating from A+ to A (Excellent). Read review
- Prudential Better if you need more than $5 million of coverage. Read review
- Everyday Life Insurance Better if you want a broker to compare several insurers, including whole life and final expense policies. Read review
Fabric by Gerber Life reviews
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Frequently asked questions
Is Fabric by Gerber Life legitimate and safe to use?
Yes. It's a licensed agency owned by Western & Southern Financial Group, and its policies are issued by Western-Southern Life Assurance Company, rated A+ (Superior) by AM Best.
Who underwrites Fabric life insurance?
Western-Southern Life Assurance Company for policies bought on or after September 3, 2022. Policies bought from 2017 to September 2022 were issued by Vantis Life Insurance Company.
How much should you budget for Fabric life insurance?
From $7.85 a month for a 25-year-old woman with $100,000 of coverage, as listed October 2026. Your price depends on age, health, coverage and term.
Does Fabric require a medical exam?
Not for qualified applicants, who can get an instant decision. Others may be asked for more information, such as medical records, before a final decision.
What is the age limit for Fabric?
Term life is available up to age 70, but the longest term shrinks with age: 30 years at 45 and under, down to 10 years at 66 to 70.
Can I cancel Fabric life insurance?
Yes. You get a full refund of your first payment if you cancel within 30 days, and you can cancel any time after that with no fee.
Does Fabric offer whole life insurance?
No. Fabric sells term life only, with a built-in terminal illness benefit and an optional accidental death rider.
Does applying with Fabric affect my credit score?
No. Fabric uses credit history as one factor but doesn't run a hard credit check.
What happens when my Fabric term ends?
Coverage continues automatically, but the premium increases each year. You can cancel if you no longer need it.
Is the Fabric will really free?
Yes, Fabric offers a free digital will kit in its app, separate from buying insurance.
Sources (14)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Fabric by Gerber Life: Term life insurance (accessed October 12, 2026)
- Fabric Help Center: Who issues Fabric by Gerber Life policies? (accessed October 12, 2026)
- Fabric Help Center: Term lengths (accessed October 12, 2026)
- Fabric Help Center: Cancellation policy (accessed October 12, 2026)
- Fabric Help Center: Riders (accessed October 12, 2026)
- Western & Southern: Completes acquisition of Fabric (accessed October 12, 2026)
- Fabric by Gerber Life: Home (accessed October 12, 2026)
- Trustpilot: Fabric by Gerber Life (accessed October 12, 2026)
- BBB: Fabric by Gerber Life (accessed October 12, 2026)
- Apple App Store: Fabric by Gerber Life (accessed October 12, 2026)
- Fabric Help Center: What happens when my term ends (accessed October 12, 2026)
- Fabric Help Center: How claims are paid (accessed October 12, 2026)
- NAIC: Consumer Insurance Search (accessed October 12, 2026)
- Business Wire via MarketChameleon: AM Best affirms credit ratings of Prudential Financial Inc. and its life/health subsidiaries (May 8, 2026) (accessed October 13, 2026)
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