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Fabric by Gerber Life Review
Reviews 2,004
Fabric by Gerber Life
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Fabric by Gerber Life
Fabric by Gerber Life
Excellent
Reviews 2,004
Michael Graw
Jan. 30, 2023
3 min read
Michael Graw
Fabric by Gerber Life summary
Fabric by Gerber Life offers term life insurance that’s great for busy parents. The digital application process takes just 10 minutes and most can get automatic approval. There is no need for medical exams and you can get up to $5 million of cover for up to 30 years. With high customer approval ratings and backing from longstanding insurance providers, Fabric by Gerber Life could be a great choice for a quick and easy life insurance solution.
Pros
  • Quick application process
  • A fully digital service
  • Cancel at any time
Cons
  • Only term life insurance is available
  • Coverage is not available in all states

Fabric by Gerber Life at a glance

4.0
Editorial score

Coverage type

Offers term life insurance. Term life can be be for up to 30 years.
4.0

Customization of policies

Customizable rates and deductibles, some upgrades and downgrades available
4.0

Customer services and support

Web-based support only
3.0

Online experience

Site is easy to use, but doesn't display all relevant information
4.0

Direct insurer?

Yes, direct insurer
5.0

Fabric by Gerber Life Fabric by Gerber Life Visit Site

Overview

Getting life insurance can be just another thing on the list of chores to complete, but it’s also an important part of protecting your family. Fabric by Gerber Life has been designed for busy parents who want a quick and easy digital solution. 

You can complete your whole application online (for most people in a matter of minutes), and you should be able to tick this off your list in no time. Plus, get your money back within 30 days if you’re not satisfied, and cancel at any time. 

Although Fabric by Gerber Life only offers term life insurance, its fully digital offering is easy to use and can give you peace of mind knowing your family will be protected if the worst happens.

Suitable For?

Fabric by Gerber Life is ideal for families with children. Not only can its life insurance give you more peace of mind by making sure your family is provided for if you pass away, but you can also use the app to set up a will, a college savings fund, or an emergency savings fund. You can even view your partner’s finances on the app. 

Features/Highlights

There are lots of features of Fabric by Gerber Life that I find really useful, especially for busy families who want to get insurance sorted quickly: 

  • You can get up to $1.5 million instantly approved with Fabric by Gerber Life’s automatic underwriting 
  • Many applicants won’t need a medical exam and you won’t be forced to take one if not needed 
  • You can get cover for 10-30 years Its fully digital application process enables you to track on the go using the app 
  • Premiums start from just over $10 per month 
  • There is a 30-day money-back guarantee if you change your mind within the grace period 
  • You can cancel at any time 
  • You can create a free will, and set up savings funds for your family through the app 

Policy Types and Terms Available

The life insurance offered by Fabric by Gerber Life is term life insurance. Term life insurance means that you’re covered for the length of the term, which in this case can be 10-30 years. Therefore, if you pass away within that time period, the insurance will pay out. You can get up to $5 million of cover, although only $1.5 million can be automatically approved. 

Application Process

You can get a free quote on the Fabric by Gerber Life website. It’s a really quick and easy process that you can complete in just a minute or two. Once you’ve got your quote, you can use the sliders to adjust your level of coverage and policy length to find out the premium cost. 

If you decide to go ahead and apply, you will need to: 

  • Fill out the full application online
  • Give details of your lifestyle including age, habits, health, gender, and weight
  • Define your beneficiaries (who will be paid if you pass away)

In most cases, you can complete the application online in about 10 minutes, without needing to consult an agent. In some cases, you may need to speak to an underwriter and potentially take a medical exam. However, something I like about Fabric by Gerber Life is that you won’t be forced to undergo a medical exam if it’s not needed. 

The digital process makes it really quick and easy to get life insurance, so this service is perfect for busy families. Once your application is approved, you can purchase and confirm your coverage. Be aware that cover is not available in North Dakota, South Dakota, California, New York, Florida, or South Carolina.

How Safe Is It?

Fabric by Gerber Life is a trusted insurance provider that’s been supporting families for over 50 years. Its policies are issued by the Western-Southern Life Assurance Company, running since 1888. So, you can rest easy knowing there are long-standing brands behind your life insurance. 

Fabric by Gerber Life is currently rated as “excellent” by over 1,950 Trustpilot reviews, and has A+ accreditation by the Better Business Bureau (BBB)—pretty impressive ratings! However, if you’re not happy with your policy, you can get your money back within the first 30 days. You can also cancel it at any time so you’re not tied into lengthy contracts.

Help & Support

There’s a useful FAQ section on the Fabric by Gerber Life website, but if you need more information you can use the live chat or telephone support between 9am and 6pm EST. You can also email or submit queries via live chat outside these times. 

If you pass away during your term, someone close to you will need to make a claim. They can do this by contacting the Fabric by Gerber Life team via live chat, phone, or email. 

The claimant will need to have some details to hand including your name, date of birth, email address, and policy number. Initially, they’ll be asked to complete a short questionnaire, and then a longer application. This needs to be done within 20 days of your death.

Bottom Line

Fabric by Gerber Life is tailored for parents. The range of features helps you get insured quickly and easily, making life insurance one less thing to worry about. In most cases, the fully digital process takes just minutes to complete, and you won’t be forced to take a medical exam if you don’t need one. 

Physical Address

400 Broadway

Cincinnati, OH 45202


Disclaimer 

Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions, and exclusions. Product provisions, availability, definitions, and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All sample pricing is based on a 30-year-old female in excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about Fabric by Gerber Life
Fabric by Gerber Life
Excellent
Reviews 2,004
on
Excellent
85%
Great
12%
Average
2%
Bad
1%
A
anthony renaud
2 days ago
So easy to do.
So easy to do.
M
maureen` renaud
2 days ago
Very helpful
Very helpful
C
cyndee quaid
3 days ago
Easy and quick process.
Easy and quick process.
T
t. todoroff
4 days ago
Very Basic
Easy to do. Cannot use autofill from your computer. Did not see option to have more than one beneficiary or to designate "per stirpes" or percentages of estate for children.
S
sheyla alaniz
4 days ago
Great for any live change events
Great for any live change events
A
abrasivekemp
5 days ago
Quick and to the point for a basic…
Quick and to the point for a basic will! Thanks!
S
skie wixon
5 days ago
Easy
Easy steps and very throughout
T
tyler huband
6 days ago
Simple and effective
Simple and effective
J
joline scottroller
6 days ago
Easy to follow
Easy to follow
K
katherine
7 days ago
Quick and easy
I'm very happy with how easy it was to write this and the fact that it's free. However, I wish it was easier to update a member's email address as the first one didn't work...and I had to update the entire will.
J
jim brennan
7 days ago
Simple and Fast
Simple and fast. There was a small snag where an autofill entry was not recognized.
A
aryel
8 days ago
Super easy to do and fill out
Super easy to do and fill out
K
kylee pruitt
9 days ago
User friendly and easy to follow.
User friendly and easy to follow.
A
alexandra keane
10 days ago
easy, fast
Very easy, straightforward will for parents completing one for the first time.
L
lynwood b johnson
14 days ago
They made the steps I needed to make a…
They made the steps I needed to make a will very easy.
C
colleen loughran
14 days ago
Very easy instructions and helpful…
Very easy instructions and helpful information
A
ashley
15 days ago
Super fast and easy
Super fast and easy. Is truly 100% free- No tricks (very refreshing!).
J
jessica
17 days ago
Easy and efficient
Easy and efficient
S
shauna mellad
18 days ago
This process was easy and smooth
This process was easy and smooth
N
natalee cort
20 days ago
Nat C
everything was so easy to fill out.
A
alexsis murphy
20 days ago
Easy
Easy and nothing too complicated
A
amanda hayes
22 days ago
Honest
Honest, helpful, and constructive!
E
elijah glavin
25 days ago
Idk forreal
It was ok and I really love the help
T
tiffany felton
25 days ago
What's important
Great experience
T
tracy toothman
a month ago
Simple but extensive
Simple but extensive
P
patrick weinandy
a month ago
Quick and Easy
Easy to use, helpful instructions
B
ben
a month ago
Very easy to produce a will and last…
Very easy to produce a will and last wishes and easy to update - well worth the time and effort.
G
guest
a month ago
Super easy to fill out!
Super easy to fill out!
F
franklin davis
a month ago
The ease of using the form and it made…
The ease of using the form and it made me feel safe
L
lorenzo harrington
a month ago
Very caring and loving
Very honored to be part of something nice and family oriented
H
harold phillips
a month ago
This was an easy and available option…
This was an easy and available option to get the will done.
E
emily yassine
a month ago
User friendly and clear with helpful…
User friendly and clear with helpful information
B
brian crowe
a month ago
Very easy to use with detailed…
Very easy to use with detailed instructions.
C
clay
2 months ago
Excellent
Clark Howard said ...
D
daniel hickey
2 months ago
Simple and easy and to the point1
Simple and easy and to the point1
J
jeffrey white
2 months ago
Fast and easy
Fast and easy : ) I compared multiple services, and after looking at them, I thought this one was the easiest.
S
sarah knight
2 months ago
It was easy and not complicated very…
It was easy and not complicated very easy to navigate through
C
colton neff ii
2 months ago
Easy to use and thorough.
Great platform to set up our first Will. Something that as a young family was not top of mind, but given our growing family we knew it was important. Easy to use platform with good advice on next steps.
R
rafael martinez quintana
2 months ago
Best application
Very easy to use and no complications
A
anonymous
2 months ago
Very easy instructions
Very easy instructions
R
rebecca reed
2 months ago
Getting things in order
Easy step by step
consumer-image
danny millsaps
3 months ago
Love
Love it so damn much
L
lionel johnston
3 months ago
SIMPLICITY OF FORMS
SIMPLICITY OF FORMS
W
william white
3 months ago
Online software was easy to use.
Online software was easy to use.
O
onzie luke
3 months ago
Easy Peasy!!!
It was simple to follow the prompts
consumer-image
dccnati
3 months ago
Simple
Simple, and thorough process.
G
grandma
3 months ago
Real Simple and Easy
Real Simple and Easy
T
timothy grable
3 months ago
Quick and Easy Will
Site was very easy to use, I answered a few questions and it was done.
O
omar gonzalez
3 months ago
It was so easy wondering why I didn't…
It was so easy wondering why I didn't make it earlier.
S
scott lemke
3 months ago
easy
was ver easy to use
D
della salley
3 months ago
awesome services and alot to organize
i think that this is the best yet it offeres not only the life insurance but other things as well like the last will
A
ayesha ross
3 months ago
My Will
Easy questions and easy to complete
B
b. bowman
3 months ago
Easy & Informative!
Easy & informative!
L
laura fernandez
3 months ago
it was easy
it was easy. the only down side is having to write this review. I think that the first sentence incorporates everything that I wanted to share.
W
william camarata
3 months ago
Easy
So easy to use.
P
patheina dillon
3 months ago
This was pretty freaking cool never…
This was pretty freaking cool never thought I'd make my own wiil
M
michael white
3 months ago
No hassle
Hassle free settling
J
j. kirk
4 months ago
So far so good
So far so good, we'll see after the total experience.
M
mia
4 months ago
Easy and convenient
Easy and convenient
A
ashley knight
4 months ago
I've been using Fabric for a few years…
I've been using Fabric for a few years now. It's easy to use. Highly recommend.
J
janna hope
5 months ago
Soo Easy!
This was an easy straight forward process.
consumer-image
nanacathi
5 months ago
Time for a will
Being a 60 year old mother, grandmother, and having a significant other, I decided it was time to create a will. The process was quick and easy.
S
samyra johnson
5 months ago
Very simple and streamlined
Very simple and streamlined
c
customer
5 months ago
Simple
It was easy and simple to set up.
consumer-image
mr.tom
5 months ago
Really poor customer service and facing
Respectfully, I read some good reviews on this company, so I decided to try to get some added life insurance from them. This is the type of customer service and facing that I received from this company. 1) After submitting all needed information, I waited for about 3 weeks and got like two robo type emails from the company stating that their "underwriting team" was backup with work ect. So I emailed Fabric customer support and was told the same thing, and I will get a notice either I'm approved, ect.. I politely emailed back that is ok I'll wait. 2) I waited two more weeks, now is been over "a month" and I received back a rude email stating that again the "underwriting team" is in the process and if I did not want to wait that I could have customer service pull my request for life insurance. Again... Think about this... It's be OVER one month. So, foolishly as well as POLITELY I said ok I'll be patient and wait. 3) About over a week AFTER para 2) above, I got a strange email stating I need to install a phone app to get what they (Fabric) was going to offer me for life insurance. It was WAY to higher of an amount and I wanted lesser coverage. I emailed customer service TWICE to see if I could get lesser coverage and tweak that amount that was being offer.. Just for SOMEONE to work with me... And NO ONE responded back to me. 4) About two weeks now from the above para 3), I received two emails from this Fabric company, stating to me that my current application was "withdrawn" because THEY Fabric "as the application submitted was for our previous insurance carrier partner.." - So because THEY delayed for so long and then changed so called "previous insurance carrier partner" they totally got rid of my application. After waiting way over A MONTH.. Does that seem fair or courtesy? Conclusion: Respectfully again, I've actually worked for years in quality assurance and training people on tier/3 and 4 help desk / call centers.. And there is some HUGE issues with this company. I was treated not as valued new customer but quite the opposite and very much shown a HUGE lack of professional courtesy and care. I need to do a bit more checking on this company, because I felt like I maybe the customer service desk is overseas and perhaps outsourced maybe? Regardless on that, I would be 100% fine in regards to getting any follow ups, but making me wait to be approval of my application, AND being rude and asking me if I wanted to pull my application in the interim.. And then to wait, not get anyone from customer service to help me and THEN tell me that my application is withdrawn because Fabric is changing so-called insurance carriers AFTER WAITING WAY OVER A MONTH (which is HIGHLY strange).... I wasted a lot of my time with this company and I DO regret that this company wasted my time and treated me so poorly.
A
anna rains
5 months ago
Very easy to use
Very easy to use
B
bless butler
6 months ago
Bless
It was quick easy the woman that came to my house was very respectful and this is a life changer for my family
A
amber sherlock
6 months ago
Great and easy way for life insurance
Life insurance made easy no hassle no waiting results in minutes
N
ndri/felix akpa
6 months ago
Good benefits and great customer service
Good benefits and great customer service
consumer-image
efrat
6 months ago
Great service
Great service, easy to navigate
H
honora mcintyre
6 months ago
Extremely easy and through
Extremely easy and through. So happy to have found this website. So happy to have gotten this started.
R
ryan j
6 months ago
Waste of time
Waste of time. They got back weeks later after spending time filling out a life insurance application only to say I don't qualify for a $500k 20 yr term life insurance policy because my income isn't high enough? lol. Strange. Nevermind then; going to a reputable A++ company that everyone has heard of; not 'fabric' like it's a sofa comforter. Amateur name and amateur company.
A
andres
6 months ago
Vert simple service in less than 15…
Vert simple service in less than 15 mins I was insured
J
jinwu chou
6 months ago
Fabric makes will easy
Clear, quick and free.
A
angelina eno
6 months ago
Nice and simple
I trust my wishes will be heard
C
catherine tkach
6 months ago
Excellent and professional
Excellent and professional
C
chris wilson
7 months ago
fast effective and simple
fast effective and simple
A
amanda
7 months ago
So far pretty easy to complete
So far pretty easy to complete
D
deborah haley
7 months ago
Excellent online
Excellent online, legally binding will. Super easy
C
charles law
7 months ago
Quick and Easy
I am happy to quickly and painlessly write a Will.
consumer-image
beth wood
7 months ago
Very easy to use.
Very easy to use.
S
satish patel
7 months ago
EASY AND QUICK
EASY AND QUICK, SHOULD HAVE DONE IT SOONER.
S
sarah snook
7 months ago
Finally did it
I have been meaning to get term insurance for a while. Fabric made it easy and affordable so I finally sat down and did it. Feel better knowing my family will be protected if something happens to me.
M
micka may
7 months ago
CP-MY WILL
Thanks to this company I was able to get a will done professionally , and on top of that, get coverage for my family, when I pass, thanks so much!
A
arun subramanian
7 months ago
Fabric gives a guided will preparation
Fabric gives a guided will preparation, which is more than enough for starters and young families.
E
eric rodriguez
7 months ago
Easy Fast and Simple application…
Easy Fast and Simple application process!
M
michael jaeger
7 months ago
There was an ease of use with the…
There was an ease of use with the website
H
heidi paveglio paveglio
7 months ago
Excellent Will Resource
Easy and professional
S
sboz
7 months ago
Easy and Concise
The Fabric Will application is easy to use, uses clear and concise language, and offers methods to communicate the will to those designated in the will.
T
tommy elinburg
7 months ago
This was an easy and smooth transition…
This was an easy and smooth transition to a better life not only for my peace of mind but also to accommodate my family in time of need.
A
amber vanhoose
7 months ago
Simple and fast
Good experience overall
m
matthew
7 months ago
Great site and easy to use
Wonderful tool
J
james rowland
7 months ago
Great life changing
Great life changing
G
gloria anne lara
7 months ago
Very easy website
Very easy website. Excellent instructions.
S
suzanne rosenbaum
7 months ago
Was super easy to navigate and…
Was super easy to navigate and complete. Just took a few minutes and it was done.
J
joseph halasz
7 months ago
quick and easy
I needed a quick and easy place to create a Will, and this was not only quick and easy, but free! Thanks Meet Fabric!
J
james jones
8 months ago
Very Easy and fast
Very Easy and fast
R
rodolfo alvarez fresco
8 months ago
Fast and easy
Fast and easy
M
matuts jiraboondilok
8 months ago
Easy to use and comprehensive
Easy to use and comprehensive
M
miss spring
8 months ago
Poor customer service
Poor customer service, deleted my account before sending my the quote.