Fabric Life Insurance by Gerber Life

Introduction

Fabric by Gerber Life offers term life insurance that is designed to be fast, affordable and tailored to the needs of your family. Designed with the needs of busy parents in mind, Fabric offers a fully digital experience, no unnecessary medical exams and a quick 10-minute application. Fabric has an "Excellent" rating on Trustpilot and an "A+" rating from the Better Business Bureau.

Factors to Consider Before Purchasing

When considering purchasing term life insurance, there are several factors to take into account:

1. Coverage Options: Fabric offers various coverage options that can be tailored to your family's needs such as term lengths up to 30 years and coverage amounts up to $5 million. However, instant approval without a medical exam is limited to coverage up to $1.5 million.

2. Premiums: The cost of premiums is an important consideration. Fabric offers competitive rates that are affordable for most, but would be best suited for young parents and families. However, it is important to evaluate premiums in relation to your budget and long-term financial goals.

3. Application Process: Fabric's application process is straightforward and user-friendly. Application takes 10 minutes and can be done entirely online or using the mobile app. The application does not involve agent calls or physical paperwork. Fabric provides your final price at the end of the application. Consider the convenience and simplicity of the application process when making a decision. 

4. Financial Strength: Fabric has partnered with Gerber Life, a brand trusted by millions of families for over 50 years. Policies are issued by Western-Southern Life Assurance Company (with a heritage dating back to 1888), rated "A+" ("Superior") for financial strength by A.M. Best. Ensure the company has a high financial strength rating to provide peace of mind that your loved ones will be taken care of in the future.

5. Customer Service: Evaluate the reputation and customer service of the insurer. Fabric aims to provide excellent customer service through a US-based team that is reachable via live chat or email.

Common Questions

Q: Can I customize my coverage with Fabric Life Insurance?
A: Yes, Fabric offers customizable coverage options to suit individual needs. You can tailor the coverage amount, terms, and riders to meet your family's requirements.

Q: How long does it take for a claim to be processed?
A: Fabric strives for efficient claims processing. Typically, claims are processed within a few days after all required documentation is submitted. For more information, please see our FAQ page for more details.

Q: Is Fabric Life Insurance only available for certain age groups?
A: Fabric provides term life insurance coverage for individuals in a wide range of age groups. There is a minimum age requirement of 21 years and a maximum age limit of 70 years.

Conclusion

Fabric by Gerber Life is a reliable and trustworthy choice when seeking term life insurance coverage. With its flexible coverage options, competitive premiums, and excellent customer service, Fabric helps provide peace of mind knowing that your loved ones will be financially protected in the event that you are no longer around. Carefully consider your specific needs and evaluate the factors mentioned above when making a decision to purchase term life insurance.