Luis Pazos 
{Life insurance ensures your loved ones are taken care of when you’re gone, and Fabric by Gerber Life makes this process easier. They don’t just offer life insurance policies, some of the largest around, but also help you with final arrangements at no extra cost. This includes making a will, naming a beneficiary, appointing a guardian for your children, and laying out your final wishes.
Fabric, now called Fabric by Gerber Life as of October 11, 2022, is under the umbrella of Western-Southern Life Assurance Company. This change means your life insurance policy will now come from Western-Southern Life, not Vantis Life Insurance Company. Fabric assures that the digital convenience you’ve come to expect remains, and policies can be applied for via an updated application process. Existing policyholders won’t see changes to their current coverage.
Here are some key takeaways:
- Fabric by Gerber Life directly provides life insurance, not through a marketplace.
- They offer accidental death policies, free will prep, and help in setting up 529 college savings plans.
- The application process is quick (about 10 minutes) and often doesn’t need a medical exam.
- Their death benefits can go up to $5 million, which is among the highest offered online.
Fabric by Gerber Life, a part of Western-Southern Life Assurance Company, focuses on family life insurance. They are available by phone, email, and live chat, from Monday to Friday, 9 AM to 6 PM Eastern time, and issue policies in 48 states (not available in New York and Montana).
Here are some unique features of Fabric by Gerber Life:
- It’s a fintech insurance provider with an all-online application process that uses advanced algorithms, often eliminating the need for medical exams.
- You can get a quote in minutes and complete the application quickly.
- Licensed team members are on hand to help with the application.
- Policy offers are valid for 60 days, and you have 30 days to get a full refund if you’re not satisfied.
- Fabric offers free will preparation online and the option to open a 529 college savings plan directly through their website or app.
- A mobile app for Android and iOS helps you track your policy.
Fabric by Gerber Life suits those in need of:
- Term life insurance or accidental death insurance.
- A policy without needing a medical exam.
- Efficient, quick life insurance solutions.
- Financial planning that includes wills and savings plans for children’s education.
Types of Insurance They Offer:
- Term Life Insurance: This provides a death benefit with no cash build-up or investment element, making premiums lower.
- Accidental Death Insurance: This coverage kicks in if the death is due to an accident.
Fabric by Gerber Life is genuine, with policies issued by Western-Southern Life Insurance Company, a trusted business established in 1888. The company has high ratings for financial strength from A.M. Best and enjoys positive feedback from customers on platforms like Trustpilot.
If you’re exploring life insurance options, Fabric by Gerber Life stands out for its quick and straightforward application process. They also feature high death benefits and additional services like will preparation and college savings plans. For those over 60, Haven Life may be a better alternative for life insurance.
The process to get a quote or apply for insurance with Fabric is simple and entirely online. By answering a few questions about your personal and health details, you can get a quote and decide if you want to proceed.
To save on life insurance, consider:
- Applying now while you’re younger and potentially healthier.
- Opting for term life insurance.
- Selecting a shorter term.
- Maintaining good health, clean credit, and a good driving record.
- Shopping around for the best rates.
Fabric by Gerber Life should be on your list if you’re considering life insurance online. They offer comprehensive services that are especially beneficial for families, and licensed agents are available to assist throughout the process. If you’re over 60, check out alternatives like Haven Life.
