Fabric by Gerber Life is the ultimate "one-stop-shop" for busy parents. While it offers excellent, competitively priced term life insurance with instant approvals, its true value lies in the extras: a free Last Will & Testament, tools to organize family finances, and the ability to open college savings accounts—all within a single app. If you are a parent aged 21–60 looking to secure your family's future in under 10 minutes, Fabric is unmatched for convenience.

At a Glance

Policy Type: Term Life Insurance only
Age Availability: 21 – 60
Coverage Amounts: $100,000 – $5 million
Medical Exam: None for qualified applicants (Accelerated Underwriting); exam may be required for some based on health/age
Term Lengths: 10, 15, 20, 25, or 30 years
Application Speed: Instant decision (often in under 10 minutes)
Issuer: Western-Southern Life Assurance Company (A+ Rated)
Riders: None (Fabric keeps it simple; no riders available)

Pros & Cons

Pros

Free Last Will & Testament: This is Fabric's "killer app." You can create a legally binding will for free within the app in about 5 minutes, even if you don't buy their insurance. For parents who have been putting this off, it’s a massive perk.
Family Financial Tools: The Fabric app isn't just for insurance; it allows you to sync bank accounts, share policy details with your spouse, and even open UGMA (custodial) investment accounts for your kids.
Instant Decisions: Like Ladder, Fabric uses algorithms to approve eligible applicants immediately. You can go from quote to covered on your lunch break.
Backed by a Giant: Policies are issued by Western-Southern Life Assurance Company, a financial giant with an A+ (Superior) rating for financial strength.

Cons

No Riders: Fabric policies are "vanilla." You cannot add a Child Rider, Waiver of Premium, or Accidental Death rider. The policy is strictly a death benefit for the main insured.
Strict Underwriting: Because the process is digital and fast, Fabric tends to reject applicants with complex medical histories or high BMIs rather than offering them a rated policy.
No Policy Conversion: You cannot convert your term policy into a permanent (whole life) policy later on. Once the term ends, the coverage ends.
Limited Age Range: Applicants must be between 21 and 60.

Overview

Fabric was acquired by Western & Southern Financial Group (the parent company of Gerber Life) to serve as its digital-first offering for young families. While Gerber Life is famous for the "Grow-Up Plan" (whole life for kids), Fabric focuses on Term Life for parents. It treats life insurance not as a standalone product, but as one pillar of "new parent" financial responsibility, sitting right alongside wills and college savings.

Rates & Terms

Competitive Pricing: Fabric is consistently one of the most affordable options for healthy adults. A 30-year-old female in excellent health might find coverage for under $20/month for a 20-year, $500k term.
Coverage Limits: You can apply for up to $5 million in coverage.
The "One-and-Done" Approach: Unlike Ladder, which encourages adjusting your policy over time, Fabric is designed to be set up once and forgotten. You buy the term, you make the will, and you get on with parenting.

Fees & Requirements

Application Fee: None.
Medical Requirements:
- Many applicants qualify for instant approval without a medical exam.
- If the algorithm needs more info, you may be asked to schedule a basic health exam (at no cost to you).
Citizenship: Must be a U.S. citizen or permanent resident (Green Card holder).

Customer Experience

The App: Fabric has arguably the best mobile app in the industry. It acts as a "digital vault" where you can store your policy info and will, and share access with your beneficiary so they aren't hunting for paperwork in an emergency.
Support: Licensed support is available via chat, phone, and email.

Who It’s Best For

New Parents: If you are sleep-deprived and haven't written a will yet, Fabric solves two major problems (insurance + will) in one 10-minute session.
The "Digital Native": If you want to manage your life insurance on your iPhone and never want to speak to a sales agent, Fabric is built for you.
Budget-Conscious Families: The rates are highly competitive, often undercutting traditional carriers.

Who Should Skip It

Seniors: The cutoff age is 60.
Those Needing Customization: If you want to add a rider to cover your children or want the option to convert to whole life later, Fabric is too simple for you.
Those with Pre-Existing Conditions: If you have a history of serious illness, you are better off using a brokerage that shops your case to multiple carriers.

Bottom Line

Fabric by Gerber Life is the best choice for parents who want to quickly check off big financial boxes. It takes the chore of "adulting"- buying insurance and writing a will—and turns it into a simple, digital experience. While it lacks the flexibility of Ladder, its focus on family financial health makes it the superior choice for moms and dads starting their journey.