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Fabric life insurance review 2020

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Apply for term life insurance or an accidental death policy in five minutes.'s rating: 3.5 / 5


  • Get a quote if… You’re looking for a simple term life policy, or want to buy accidental death insurance right now.
  • Pick something else if… You have complex life insurance needs, or if you live in Montana.

21 to 60

Issue Age

$100,000 to $5,000,000


Depends on policy

Medical Exam Required


Free quote Online
Monthly cost $16.68/month
Policies Term (w/ option to convert to Whole), Accidental death
Coverage maximum $5,000,000
Term lengths 10, 15, or 20 years
Riders No riders available
Medical exam required Depends on policy
Available states Available in all states except NY, CA and MT
Issue age 25 - 60 years old

Expert review

Katia Iervasi

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

Fabric’s platform is innovative and easy to use, and it offers added-value features — like a free will writing tool. But the insurer has its limitations. If you have complicated life insurance needs, or want to enhance your policy with riders, it may be too simple for you.

In that case, take the time to compare life insurance companies.

What types of life insurance does Fabric offer?

This online-only company offers two life insurance products. All policies are issued by Vantis Life Insurance Company, a financially strong insurer.

Fabric Instant

This accidental death policy is available for those aged between 25 and 45, and coverage terminates when the policyholder turns 60. It’s a month-to-month product, and the policies are issued instantly — without a medical exam.

Fabric Instant only pays out a death benefit if you die accidentally. You won’t receive anything if you’re paralyzed or lose a limb, your hearing or sight as a result of an accident.

Fabric Premium

This is a 10, 15 or 20-year term life insurance policy, and you can buy between $100,000 and $5 million in coverage — or $1 million if you don’t want to take a medical exam.You can increase your coverage at any time by contacting Fabric. If you want permanent protection, you have the option to convert to a whole life policy with Vantis Life Insurance Company.

In most states, you can purchase Fabric Premium right away. But if you live in California or New York, you’ll need to buy Fabric Instant first. Once you’re approved for Fabric Premium, the insurer will cancel your Fabric Instant policy. If your application is rejected, you’ll still be covered for accidental death.

What riders can I add to my life insurance policy?

At this time, you can’t add any riders to your policy.

How much does Fabric life insurance cost?

It depends on the type of insurance you’re applying for.

  • Fabric Instant. The rates are the same for all applicants.You’ll pay $6 a month for $100,000 in coverage, $15 a month for $250,000, and $30 a month for $500,000.These prices are pretty competitive — keep in mind that Fabric doesn’t cover accidental dismemberment.
  • Fabric Premium. The rate you’re offered reflects your age, health, lifestyle, occupation and hobbies, as well as where you live. Let’s say you’re a 35-year old nonsmoking female living in Illinois. You can expect to pay $14.55 a month for a $250,000, 20-year term life policy, according to Fabric’s online pricing tool.

How do I get a low rate?

For Fabric Premium, underwriters assess the following factors:

  • Tobacco use. To reach Fabric’s Ultra Select rate class, you’ll need to prove you haven’t touched tobacco within the last five years.
  • Age. Young, healthy applicants tend to pay lower premiums.
  • Driving record. To score a cheaper rate, your recent driving record must be free of moving violations, DUIs and reckless driving.
  • Health. The insurer records your cholesterol, blood pressure, BMI and family medical history, and usually charges higher rates when there’s a personal or family history of cardiovascular disease, cancer, melanoma, strokes or diabetes.
  • Occupation. People with dangerous jobs may pay higher premiums.
  • Hazardous lifestyle. Fabric favors applicants with low-risk lifestyles. If you spend your free time scuba diving, skydiving or race car driving, you’ll probably be charged a higher rate.
  • Alcohol and drug use. To enter the top-rate tiers, you must have no history of alcohol or drug abuse or treatment within the past 10 years.

Pros and cons of Fabric life insurance


  • Quick online application. Fabric claims the application takes five minutes or less to complete.
  • Guaranteed approval for Fabric Instant. The accidental death policy is issued instantly.
  • Ability to upgrade to a permanent policy. If you have Fabric Premium, you can convert to a whole life policy with Vantis Life Insurance Company at any time.
  • Credit card payments. Unlike many major insurers, Fabric allows you to pay your premium with a credit card.
  • Fabric app. The insurer has app that allows user to apply for a policy, create a free will, and store important financial information and documents. It’s available on the App Store, and the Android-compatible app is in development.
  • Financial strength. Fabric’s policies are underwritten by Vantis Life Insurance Company, which boasts an A+ (Excellent) rating with AM Best and is wholly owned by Penn Mutual, a mutual life insurance company established in 1847. This illustrates its ability to pay out claims.


  • Not nationwide. Fabric’s policies aren’t available in Montana.
  • Restricted coverage. You can’t customize your term life policy with riders, and the accidental death policy doesn’t pay out a benefit for dismemberment or paralysis.
  • Age limits. If you’re over 60 years old, you’ll have to look elsewhere.
  • Short support window. There’s only one way to contact the Fabric team: live chat. It’s active from Monday to Friday, 9 a.m. to 6 p.m. ET.

Compare other life insurance companies

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This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
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Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.

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Fabric life insurance reviews and complaints

Fabric is accredited with the Better Business Bureau and has an A+ rating for its service and interaction. To date, the BBB hasn’t recorded any customer complaints or reviews.

On TrustPilot, Fabric has a five-star rating based on over 1,500 reviews. Customers commented on the fast, simple application, and the fact that some policies can be issued instantly. They also appreciated Fabric’s added-value features, such as the free will-writing tool and the ability to send your beneficiaries a breakdown of your policy.

How do I apply for Fabric life insurance?

Applying is as easy as filling in an online application.

These are the steps:

  1. Go to the Fabric website.
  2. On the right-hand navbar, click Life insurance.
  3. Press Get started.
  4. Select your Age and Gender. Click Next.
  5. Outline your family situation and tap Next.
  6. Answer questions about your health, tobacco use and whether you have life insurance coverage. Press Next.
  7. A list of coverage options will pop up, Choose the policy that suits your needs and budget. Click Next.
  8. Fill out the form with your personal and contact information.
  9. Enter your beneficiary’s name and payment information.

I’ve signed up. What happens next?

Accidental death policies are issued instantly. If you applied for a standard term life policy, Vantis Life Insurance Company will assess and make a decision about your application. The turnaround time varies from case to case, but typically, you can expect your policy to take effect in three to four weeks.

If you opted for a no-medical exam, you may qualify for up to $1 million in coverage without needing to take another medical exam or answer questions about your health. Fabric uses complex algorithms to assess your riskiness first, and then sends some applications to Vantis to be reviewed by underwriters.

Get a quote from Fabric life insurance

Frequently asked questions

Life insurance ratings

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Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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