Fabric by Gerber Life offers affordable term life insurance built for parents, pairing competitive coverage with practical tools like a free digital will and kids’ investment accounts to simplify family financial planning.
Insurance expert Maryalene LaPonsie has been writing professionally for 25 years, with the past decade focused on personal finance -- insurance, investing and retirement. She is a regular contributor to U.S. News & World Report, Forbes Advisor, USA Today Blueprint and Money Talks News.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
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Fabric by Gerber Life positions itself as “built by parents, for parents,” and its life insurance offering reflects that mission. It combines competitive term life insurance with genuinely useful family features — like a free digital will and investment accounts for kids — to make planning for your family’s future feel a little less overwhelming.
Life insurance is available in term lengths from 10 to 30 years, with coverage amounts ranging from $100,000 to $5 million. Many applicants qualify without a medical exam, and the online application typically takes about 10 minutes. For parents who want straightforward coverage backed by a trusted insurer, Fabric by Gerber Life is an appealing, budget-friendly option.
What Fabric by Gerber Life has to say
“Parenting is hard enough—Fabric by Gerber Life helps make protecting your family’s financial future a little easier, with the tools you need in one place, partnered with the brand trusted by millions of families like yours for over 50 years,” the company states.
Fabric by Gerber Life combines competitive pricing with thoughtful, family-oriented tools that simplify financial planning.
Fabric’s pricing is among the most competitive in the online term market. Healthy applicants can secure meaningful coverage — often over $1 million — for what works out to just a few dollars a week. Rates for smaller policies start around $7.86 per month, making it accessible for young families watching their budgets.
Applying takes about 10 minutes, and many people qualify without a medical exam. If an exam is required, it’s free and can be completed at home or work, making the process far easier for time-strapped parents.
Fabric offers a free digital will, Uniform Gifts to Minors Act (UGMA) investment accounts for kids, and a ShareView feature that lets spouses or partners keep track of important financial details. Everything lives in one app, so it’s easy to stay organized.
Our honest take
Fabric by Gerber Life is a strong choice for parents who want meaningful coverage paired with tools that support long-term family planning. In addition to competitive term policies up to $5 million, Fabric offers thoughtful extras you don’t often see with online life insurers — including a free digital will you can create in minutes and optional UGMA investment accounts that help you start saving for your child’s future.
It’s a family-focused option for anyone who wants straightforward protection along with practical planning resources that make it easier to get the big financial tasks done.
Pros:
Cons:
Fabric by Gerber Life earns an A+ rating from the Better Business Bureau, reflecting strong transparency and responsiveness when customer concerns arise.
Policies are issued by Western-Southern Life Assurance Company, which holds an A+ (Superior) rating from A.M. Best. That means Fabric’s life insurance is backed by a financially strong, reliable insurer.
Fabric has a 1.36 NAIC complaint index, which means it receives slightly more complaints than the industry average for its size. While not alarming, it’s a helpful indicator for shoppers who want to understand how the company measures up in customer service.
Fabric focuses entirely on term life insurance — simple, affordable coverage designed for financial protection during your working and child-raising years. Coverage begins as soon as you’re approved and make your first payment.
Applicants ages 46–49 can choose up to a 25-year term, while applicants ages 66–70 are limited to 10-year policies.
Fabric offers broad coverage options for families who need protection that fits major financial milestones — like paying off a mortgage, covering childcare, or funding a child’s education.
You can expect:
Fabric uses underwriting algorithms to approve many applicants without a medical exam. If an exam is needed, it’s free, flexible, and can be completed wherever is most convenient for you.
Applications take around 10 minutes, and the process is entirely online. You won’t get sales calls or long questionnaires — just straightforward steps that fit into a busy parent’s day.
Fabric by Gerber Life is competitively priced for healthy nonsmokers, especially younger parents who want higher coverage amounts without stretching their budget. While your rate is influenced by your age, gender, health history, and the coverage amount you select, Fabric tends to stay in an affordable range compared to other online-first insurers.
Nonsmokers in their 20s and 30s typically pay some of the lowest premiums, making it easier to secure long-term financial protection while costs are still manageable. As with most insurers, rates increase with age; however, Fabric’s pricing remains reasonable, even for midlife applicants seeking meaningful coverage.
The table below highlights sample monthly premiums for 20-year term policies with coverage of $500,000 and $1 million.
Fabric by Gerber Life’s rates are higher for smokers, which is standard across the life insurance industry. Tobacco use is linked to higher long-term health risks, so insurers charge more to offset the increased likelihood of serious illness or early death.
If you smoke, expect premiums to be noticeably higher at every age and coverage level — especially once you reach your 40s and 50s, when health risks tend to compound. That said, Fabric still offers competitive pricing compared to other online-first insurers, giving smokers a range of options if they want meaningful coverage and flexibility.
The table below shows sample monthly premiums for 20-year term policies with coverage of $500,000 and $1 million.
Fabric’s smoker rates generally fall in the middle of the pack compared to other online-first life insurers. While smokers will always see higher premiums across the industry, Fabric still remains competitive — especially for younger applicants who want larger coverage amounts without undergoing traditional underwriting.
In your 20s and 30s, Fabric’s pricing is often comparable to Ethos and slightly higher than some ultra-low-cost competitors, such as Ladder, for specific age groups. By your 40s and 50s, rates rise more sharply, but they remain within the typical range for digital life insurance platforms that offer fast, streamlined applications.
Here’s how Fabric compares to its competitors for a healthy 35-year-old nonsmoker purchasing $500,000 in coverage:
Fabric suggests a starting point of buying coverage equal to five times your annual income, but many families need at least 10 to 15 times their income to protect their family’s long-term needs. To estimate your ideal amount, consider:
Additional support is available through the Fabric by Gerber Life app.
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Note: Fabric by Gerber Life offers term life insurance policies in DC and all states except New York, Puerto Rico, or any of the other U.S. territories or otherwise outside of the United States.
Fabric by Gerber Life is a standout choice for parents seeking affordable, straightforward coverage, paired with tools that simplify long-term planning. Its competitive rates, flexible term options, and high coverage limits give families room to choose protection that truly fits their needs.
What sets Fabric apart are the thoughtful extras — a free digital will and optional investment accounts for kids — that help families check off some of the most important financial tasks in one place. For parents looking for simple, meaningful coverage with added support for their family’s future, Fabric offers a well-rounded, family-first solution.