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Fabric Life Insurance Review: Generous Term Life Coverage With an Easy Online Application

Review Updated
Christy Bieber
By: Christy Bieber

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This life insurer is a good fit for: People who want term life insurance they can apply for online quickly and easily.


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Best for online applications for term life coverageFabric
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4.50 stars
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Full Fabric Life Insurance review


  • Some term life policies don't require medical exams
  • You can buy up to $5 million in coverage
  • Premiums are affordable
  • Up to 1% of your policy amount is donated to charity at no cost to you


  • No in-person agent network
  • Coverage isn't available in every state
  • Few riders are available

Fabric life insurance at a glance

  • Average costs: Policies start at $7.61 per month
  • Term life policy limits: $100,000 to $5,000,000
  • Whole life policy limits: N/A
  • Riders/Add-ons: Accelerated death benefit
  • Eligibility: People ages 21 to 60 who live outside NY or MT
  • Discounts available: N/A
  • Other insurances offered: Accidental death

Top perks

It's often possible to get covered with no medical exam

In many cases, term life policies with a death benefit of up to $1.5 million are available with no medical exam. Accelerated underwriting is used to approve or deny coverage and set premiums.

While this $1.5 million limit for accelerated underwriting policies is below the maximum $5 million in coverage Fabric makes available, it is still much more coverage than many competitors offer without a medical exam.

Premiums are affordable

Prices start at just $7.61 per month. In general, costs for coverage are below what many competitors charge.

Charitable contributions

Fabric will pay 1% of the policy amount to charity, up to a maximum of $100,000, upon the death of a covered policyholder. This donation has no cost for the beneficiary.

What could be improved

More in-person support

Fabric offers an online chat as well as a phone number to call. However, there are no agents available in person to provide help with exploring coverage options or understanding how policies work.

More options for riders

Fabric offers an accelerated death benefit so terminally ill policyholders can access some of their death benefit early. However, no other riders or coverage add-ons can be purchased. This makes Fabric's offerings more limited than many competitors.


Fabric is more affordable than many competitors for similar life insurance coverage. It is possible to quickly and easily get an online quote for a policy to see exactly what coverage will cost. The table below also shows typical premiums for certain policyholders.

Coverage Cost
$250,000 in coverage for a 29-year-old female in excellent health $14.84 per month
$750,000 in coverage for a 35-year-old male in excellent health $31.88 per month
$500,000 in coverage for 42-year-old female in excellent health $39.22 per month
Data source: Fabric Life Insurance.

Alternatives to consider

If you want a life insurer who offers in-person support: State Farm offers a vast network of agents to provide in-person help when buying life insurance. But keep in mind State Farm requires medical exams for policies providing more than $50,000 in life insurance coverage.

Policy options

Term life insurance

Fabric offers term life insurance policies with coverage terms ranging from 10 to 30 years. It's possible to buy between $100,000 and $5 million in coverage.

Accidental death

Accidental death insurance offers coverage in case a death occurs as a result of an accident. It's possible to buy between $100,000 and $500,000 in coverage. Premiums start at just $6 per month.


Accelerated death benefit

Fabric offers just one type of add-on coverage. It is included with all term policies. With accelerated death benefit coverage, terminally ill policyholders can access part of their death benefit early in order to cover end-of-life costs.

Application process

Fabric's application process is a key part of what sets the insurer apart from competitors. Consumers can submit an application online and complete the entire process in around 10 minutes. For those eligible for instant underwriting, it is possible to get a price and a decision on coverage right away with no medical exam needed.

Who is eligible for Fabric life insurance?

U.S. citizens and permanent residents between the ages of 21 and 60 may be eligible for coverage, depending on health status. Policies are not available in New York or Montana.

Customer service and ratings

Fabric provides life insurance through Vantis Life, a Penn Mutual Company. Vantis received fewer complaints than similarly sized competitors in the National Association of Insurance Commissioners database.

Fabric itself received an A+ rating from the Better Business Bureau, and there are no customer complaints on file.

This life insurer is a good choice for:

Fabric is best suited for people who:

  • Want term life coverage
  • Want to apply online
  • Qualify for instant approval

But you may want to consider State Farm if you would prefer to work with an agent in person, or Nationwide if you would prefer an insurer offering a choice of more riders.

Our Insurance Expert