Fabric Review

Fabric is an online life insurance company that you can use to purchase term life insurance for yourself and your family. In addition to term life insurance, Fabric also offers an accidental death policy, a free last will and testament, and access to an app that allows you and your partner or spouse to collaborate on your family’s finances

Fabric offers term life insurance policies in all states except for Montana and New York. Their policies are issued by Vantis Life, a life insurance company founded in 1942 that is currently rated “A+” for financial strength and claims-paying ability by A.M. Best.

So, could Fabric be a good fit for your needs? Let’s take a closer look at everything it offers.

Pros and Cons of Fabric



What Does Fabric Offer?

Fabric offers 10- to 30-year terms ranging from $100,000 to $5,000,000 in coverage.

Their life insurance policies cover mortality resulting from anything from accidents to natural causes, to unexpected illness. This includes death by unexpected events like fire, homicide, and vehicular crashes, as well as illnesses like heart attacks, cancer, diabetes, and other natural causes. It notes that your claim may be denied if you commit suicide within two years of your policy’s issue date or if you misrepresent yourself on your application.

After purchasing your policy, you can manage it either online or through Fabric’s free app. Additionally, you can use the app to organize your family’s finances, create a will for free, and share up-to-date policy details with your beneficiary through the app.

What To Expect on the Site

Fabric’s application takes about 10 minutes to fill out and requires you to provide:

After filling out their application, Fabric’s underwriters will determine if they’ll be able to offer you immediate coverage. If not, and they need more information before they can do so, you’ll likely receive a quick call from an underwriter to ask you some brief questions to move your application along as quickly as possible.

Additionally, you might also need to take a medical exam. This medical exam is free and is arranged around your schedule to meet you conveniently at home or work. During the exam, you may be required to answer additional questions or provide blood.

Finally, after providing all necessary information, you may then be presented with an offer. The nice thing is you don’t have to accept the offer as it is. You can personalize your offer, customizing your term length or coverage amount before you buy.


Pricing will be different from person to person. But to give you somewhat of an of what you can expect to pay, here are some real offers Fabric has made to customers for 20-year term life insurance:

What People Are Saying About Fabric 

When it comes to customer satisfaction, Fabric has an excellent Trustpilot score. Based on reviews from nearly 1,800 customers, Fabric has a score of 4.7 out of 5 stars:

This Trustpilot score is accurate as of September 2021. Additionally, Fabric is accredited by the Better Business Bureau and holds an A+ BBB rating.

The Bottom Line

Fabric shines both in offerings and ratings. It offers life insurance policies with plenty of term options and free add-ons like will creation and financial management. Plus, it issues policies through Vantis Life, a life insurance company with over 75 years of experience and an A+ rating by A.M. Best. As you compare top life insurance companies, consider Fabric to see if it’s right for you and your family.