Fabric Life Insurance Review 2025
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Fabric
on Nerdwallet
Financial strength rating
Online purchase
NAIC complaints
Policies offered
on Nerdwallet
Fabric
Financial strength rating
Online purchase
NAIC complaints
Policies offered
Why trust NerdWallet
About Fabric life insurance
Fabric earned 3.5 stars out of 5 for overall performance. Launched in 2017, Fabric sells term life insurance via its site and mobile app. Fabric’s application process is simple, taking as little as 10 minutes to complete. You can choose from a wide range of term lengths and buy a large amount of coverage without the need for a medical exam. While its offerings are convenient for online shoppers, the company draws more consumer complaints than expected.
Previously known simply as Fabric, the company recently changed its brand to Fabric by Gerber Life. Its policies are issued by a related insurer, Western-Southern Life Assurance Company. Gerber Life and Western-Southern Life have the same parent company.
Simple online and mobile application process.
Platform offers financial planning tools for parents.
Most applicants won’t need a medical exam for term life insurance.
Not available in every state.
No optional riders to personalize your policy.
No permanent life insurance options.
» MORE: Compare life insurance quotes
Fabric life insurance policies
Term life insurance. Fabric sells term life insurance lasting 10, 15, 20, 25 or 30 years to people 21 to 70 years old. The term length(s) you qualify for will depend on your age. You can typically buy a policy worth $100,000 to $1.5 million without a life insurance medical exam. For higher coverage amounts up to $5 million, you might need to take a medical exam. Either way, you’ll need to fill out a health and lifestyle questionnaire to apply.
Fabric’s term life insurance includes an accelerated death benefit rider, which allows you to access a portion of the policy’s payout early if you're diagnosed with a terminal illness.
Policies are currently available in all U.S. states except New York.
Western-Southern customer complaints and satisfaction
Over three years, Western-Southern Life Assurance — the company that issues Fabric’s policies — has drawn more than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.
How Fabric compares to other insurers
Fabric | Ethos | Ladder | |
|---|---|---|---|
Star rating | |||
Financial strength | Exceptional. | Strong. | Exceptional. |
NAIC complaints | More than expected. | Fewer than expected. | Far more than expected. |
Policy types offered | Term & no-exam. | Term, permanent & no-exam. | Term & no-exam. |
Read full reviews |
» MORE: Best life insurance companies
More about Fabric
You can apply for a policy and manage your account through Fabric’s website or mobile app.
Fabric’s app, which is compatible with Apple and Android devices, has several added-value features. You can use it to create a free will, open an investment account for your child and sync finances with your partner or spouse.
How to contact Fabric
Fabric can be reached by:
Phone: Call 917-765-3572 on weekdays from 9 a.m. to 6 p.m. ET.
Email: Send a message to [email protected].
Live chat: Launch a chat during business hours from Fabric’s contact page.
Life insurance buying guide
Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders, if any, you want the policy to include. Calculate how much life insurance you need and how long you want the coverage to last. Check that the insurers you’re considering offer the coverage you’re looking for.
When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time. It’s also important to make sure the policy’s medical requirements match your needs. For example, if you want to skip the life insurance medical exam but don’t mind answering health questions, confirm that the application process for each policy you're comparing aligns with that.
Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service.
For more guidance, see our life insurance buying guide.
Methodology
Life insurance ratings methodology
NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
