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Fabric By Gerber Life Life Insurance Review


ConsumersAdvocate.org Rating: 5 / 5 (Excellent)
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Fabric by Gerber Life sells term life insurance and operates in every state except New York and California. You can apply for coverage online or via mobile app and get approved in 10 minutes or less. Qualified applicants could get approved instantly. The company also offers a free online will and an online vault where you can store your financial data for you and your spouse in one place.
 
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How is Fabric rated?

Breakdown

5.0/5
Company Stability
5.0/5
Reputation
5.0/5
Policies & Coverage

Overall Rating: 5 / 5 (Excellent)

Fabric by Gerber Life offers term life insurance policies issued by Western-Southern Life Assurance Company. Its online tool enables you to quickly receive a personalized quote and purchase a policy online, which isn't something all life insurance companies allow you to do. It offers a range of terms and policy limits to suit individuals of many ages and income levels. Although Fabric is still relatively young, Western and Southern, the company issuing the policies, has a heritage dating back to 1888, and maintains strong financial strength ratings, so you can feel confident that the company will be able to meet its financial responsibilities.

While Fabric by Gerber insurance is not available in New York or California, the company expects to be expanding its coverage to those states soon.

Financial Strength

Key Details

Underwriter
Western-Southern Life Assurance Company
Premiums Written 2019
$0
AM Best Financial Rating
A+

Company Stability - 5 / 5

Fabric by Gerber Life is still relatively small but it's already making quite a splash, having been featured in several major news outlets. Its underwriter, Western-Southern Life Assurance Company has been around for more than a century and appears poised to continue selling life insurance for decades to come, which is crucial when you're investing in an insurance policy that has to last you 20 years.
*The above information reflects the market share, premiums, and financial strength of the issuer of the Fabric life insurance policies: Western-Southern Life Assurance Company.

Reputation & Customer Experience

Customer Ratings

Trust Pilot Rating
4.7 out of 5
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
0
Date Collected
2024-04-25

Reputation - 5 / 5

Fabric by Gerber Life earns an A+ rating from the Better Business Bureau. Consumers who review the company on Trustpilot give the company an impressive rating of 4.7 out of 5 stars with over 2,000 reviews.

Western-Southern Life Assurance Company, Fabric by Gerber's underwriter, has had a large number of complaints filed against it with the Consumer Financial Protection Bureau, but most complaints had to do with products and issues unrelated to life insurance.

Fabric Policies

Fabric offers customers the following life insurance policies: Term, Accidental Death.

Term Life Insurance

Maximum Age
70
Minimum Death Benefit
$100,000
Maximum Death Benefit
$1,500,000
Available Terms
10 year
15 year
20 year
25 year
30 year

Key Term Policy Features

  • Guaranteed Level Premiums

Policies & Coverage - 5 / 5

Fabric by Gerber Life is a good choice for high-income individuals as it offers policies with coverage amounts up to $1.5 million. Its most common term is 20 years, but it offers other options in most states for additional flexibility. It is also worth noting that, unlike other life insurance companies, Fabric by Gerber Life allows customers to pay by credit card.

Flexibility and Available Riders

Flexibility & Available Riders - 4 / 5

Fabric by Gerber Life does not offer any additional policy riders at this time. However, the policies do allow renewals without a medical exam until age 85, accelerated underwriting and up to $1.5 million in no-exam coverage for those who qualify, and the Fabric Vault, a free mobile financial resource for couples to sync up around money.

Additional Company Information

Homepage URL
https://meetfabric.com/
Year Founded
2015

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Top Rated
Our Partner
  • The only 100% no medical exam term life insurance
  • Ages 18 to 60 are eligible to apply
  • Term life policies $50,000-$1.5 million in coverage
  • Company offers 10, 15, 20, 25, and 30-year terms
  • Monthly premiums as low as $10
  • Featured in WSJ, CNN, Forbes, TechCrunch & Money.com
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