Fabric by Gerber Life
Term life insurance with free will creation for young families
How it works
Fabric by Gerber Life is a digital-first term life insurance platform designed for young families. It offers term policies from $100K to $5M with instant algorithmic underwriting, and uniquely includes a free legally binding will that takes about 5 minutes to create via the app. Policies are underwritten by Western-Southern Life Assurance Company, which holds an A+ Superior financial strength rating from AM Best.
Is it right for you?
Consider if you
- You are a new parent wanting both life insurance and a free will
- You prefer managing everything via a top-rated mobile app
- You want term life backed by an A+ Superior rated carrier
Skip if you
- Seniors over age 60
- Those wanting policy riders, customization, or term conversion options
Your money and data
Fabric by Gerber Life is licensed in all 50 states. Quotes use a soft pull and do not affect your credit score. Policies are underwritten by Western-Southern Life Assurance Company.
Pros & Cons
Pros
- Free last will and testament included — even without buying insurance
- Backed by Western-Southern Life Assurance Company (A+ AM Best)
- Instant decisions via algorithm-driven underwriting in as little as 10 minutes
Cons
- No policy riders or term conversion option — coverage is vanilla term only
- Strict automated underwriting tends to decline complex medical histories
- Age limit of 60 excludes seniors entirely
Pricing details
Term life from ~$20/month · Coverage $100K-$5M · 10-30 year terms · Free will included
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