Fabric Life Insurance Review

No-exam term life insurance for younger individuals

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Fabric Life

Fabric Life

Our Take 

Fabric Life Insurance is an online term life insurance company with policies underwritten by Vantis Life Insurance Company. Policy quotes are available online in minutes, and coverage under $1,000,000 can be obtained with no medical exam required. Fabric Life Insurance only offers term policies, so if you are looking for whole, universal, or variable universal life insurance, you will need to look elsewhere.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Quick online quote and application process

  • High coverage limits for term policies ($5 million)

  • Most policies do not require a medical exam

  • Instant-issue term policies available

  • Simple-to-use mobile app available

  • Only term life policies available

  • No optional riders for customizing coverage

  • Policies only available for individuals ages 60 or under

Key Takeaways
  • Fabric Life Insurance offers term life policies online only, with no in-person locations
  • Fabric Life Insurance is licensed to sell life insurance in 48 states; policies are not available in Montana or New York
  • Fabric Life Insurance policies are underwritten by Vantis Life, a subsidiary of Penn Mutual Life Insurance 
  • Fabric Life Insurance also offers accident insurance, as well as free online wills
  • Year Founded 2017
  • Kinds of Plans Term
  • Number of Plans One
  • Payment Options Monthly
  • Official Website www.meetfabric.com


Fabric Life Insurance offers online-only term life insurance policies for younger individuals. We researched Fabric Life Insurance’s financial stability, policy plan options, riders, website tools, and customer service reviews to help you compare the life insurance policy options of Fabric Life Insurance with the competition.

Company Overview

Fabric Life Insurance was founded in 2017 with a focus on providing affordable term life insurance to young families. There are no in-person offices, but instead Fabric Life Insurance focuses on creating a simple online quoting and application process (including a mobile app). Policies are underwritten by Vantis Life, which is part of Penn Mutual Life Insurance, the second-oldest life insurance company in the U.S. 

Fabric Life Insurance offers instant-issue policies up to $1 million in coverage for most young, healthy applicants. Policies are only available for clients ages 21 to 60, so clients older than 60 will not be able to apply. 

Fabric Life Insurance is licensed to sell life insurance in 48 states. Policies are not yet available in Montana or New York.

Free quotes are available within minutes on the Fabric website and do not require providing an email or phone number to get your price.

Available Plans

Fabric Life Insurance only offers level-term policy quotes online. There are no permanent or guaranteed life insurance options such as whole, universal, or final expense life insurance. 

Term Life Insurance

Term life insurance is a type of temporary life insurance that only covers the insured for a specific length of time. Term life insurance offers a death benefit if the insured dies during the term, but coverage is no longer available after the policy term ends.

Fabric Life Insurance offers quick online quotes for term life insurance, with term lengths ranging from 10 to 30 years. Coverage ranges from $100,000 to $5,000,000, with no-exam policies available for young, healthy applicants for up to $1,000,000 in coverage. Quotes are offered by submitting an online form and answering a few basic questions.

Fabric Life Insurance only offers policies to individuals ages 21 to 60.

Available Riders

Insurance riders are add-on policy enhancements that allow clients to customize their policies, such as gaining early access to life insurance funds or extending coverage to family members. Riders usually come at an additional cost.

Fabric Life Insurance does not offer any life insurance riders on the policies quoted.

Customer Service: Online Only

Fabric Life Insurance offers customer support online via live chat both on its website and through its mobile app. Clients can also send an email directly to support@meetfabric.com. Fabric Life Insurance customer service business hours are not listed, so response times may vary depending on when you contact them.

Fabric Life Insurance’s website offers user education about life insurance including articles on how much life insurance is needed and different life insurance needs at different ages.

Customer Satisfaction: Very Few Complaints

The National Association of Insurance Commissioners (NAIC) complaint index tracks customer complaints for life insurance companies and has an average complaint score of 1.0, with a lower score being better. Fabric Life Insurance doesn’t underwrite policies, but Vantis Life Insurance does and has very few customer complaints. 

Vantis Life Insurance scored a 0.00 in 2020, meaning it received no formal complaints that year. There was one formal complaint in each 2018 and 2019, which is still better than other companies its size.

In the 2020 J.D. Power U.S. Life Insurance Study, which ranks the top life insurance companies based on customer satisfaction, Fabric Life Insurance was not ranked. Neither Vantis Life Insurance nor Penn Mutual was ranked in that study, either.

Financial Strength: A+ (Superior)

Fabric Life Insurance does not underwrite any of the policies it sells, but Penn Mutual, the parent company of policies underwritten for Fabric, received an A+ (Superior) ranking from AM Best. 

This ranking reflects a strong financial position based on a company’s balance sheet, risk management, and operating performance. This high ranking gives customers confidence that the insurer can pay out insurance claims on policies in force.

Cancellation Policy: Average

According to the Fabric Life Insurance cancellation policy, it follows the state-regulated minimum “free look” period for insurance policies which is at least 10 days. The free look period is the amount of time after signing up for a life insurance policy that clients can cancel and receive a full refund. Free look periods vary by state.

After the free look period, canceling a term life insurance policy offers no refund of premiums paid, but there are no fees to cancel. 

To cancel your life insurance policy, you may have to contact Vantis Life Insurance to complete the cancellation rather than working with Fabric.

Price of Fabric Life Insurance: Average Term Policy Prices

Fabric Life Insurance offers online price quotes for term life insurance, giving users instant pricing for all policies. Users can also select a policy and apply directly online without speaking to an agent. Prices seem to be comparable to other top term life insurers.

Term life estimates are not final until completing the application process. Term quotes are based on gender, age, height, weight, and evaluation of current health. Premiums can be paid monthly. 

Sample Fabric Life Insurance Term Life Rates
  Male Female 
10-year policy $17.05/month $15.80/month
20-year policy  $20.39/month  $19.31/month 
30-year policy $28.89/month $25.74/month

Sample rates provided are for a 35-year-old non-smoker in excellent health with $250,000 of coverage.

How Fabric Life Insurance Compares to Other Life Insurance

Fabric Life Insurance is a simple, no-frills term life insurer designed for quick online applications. While this may be a good option for some, the limited selection may not fit all lifestyles. In addition, Fabric Life Insurance only covers individuals ages 21 to 60, so older applicants cannot apply. 

Fabric Life Insurance also does not offer any riders or other types of life insurance. Here’s how Fabric Life Insurance compares to another life insurance company that offers more selection.

Fabric Life Insurance vs. Nationwide Life Insurance

Both Fabric Life Insurance and Nationwide offer term life insurance with online quotes available. Both companies also boast an A+ (Superior) financial rating from AM Best. While Fabric Life Insurance partners with Vantis Life Insurance to underwrite and issue policies, Nationwide quotes and underwrites all insurance policies in-house.

Here are a few differences between Fabric Life Insurance and Nationwide:

  • Nationwide offers multi-policy discounts for current customers
  • Fabric Life Insurance offers free online wills in addition to insurance products
  • Nationwide offers whole, universal, and variable universal life insurance policies
  • Fabric Life Insurance offers up to $5,000,000 in term life coverage compared to only $1,000,000 from Nationwide

Nationwide also offers lower prices on term policies, even before its multi-policy discount. For example, a 35-year-old male in excellent health would pay $12.69 per month for $250,000 in coverage with Nationwide versus $17.05 per month with Fabric.

While Fabric Life Insurance helps users secure life insurance online quickly, Nationwide offers far more types of life insurance and underwrites its own policies.

  Fabric Life Insurance Nationwide Life Insurance 
Market Share  N/A 14th-largest in the U.S., 1.84%
Number of Plans  One  Eight 
Online Quotes Available?  Yes  Yes (term life only) 
Service Method  Online chat and email  Email, phone, in-person, social media 
AM Best Rating  A+ (Superior) A+ (Superior) 
Complaints Index  0.00 (excellent)  0.10 (excellent) 
Final Verdict

Fabric Life Insurance makes it easy to quote and apply for term life insurance online, offering up to $1,000,000 in coverage with no medical exam required or up to $5,000,000 in total term life coverage. Fabric Life Insurance is backed by a reputable and financially stable life insurance company, giving users confidence in their policies. Fabric Life Insurance is a decent option for customers who only want term life insurance without any additional options.

As always, we recommend comparing rates from top life insurance companies to ensure you are getting the best price. And if you want access to a larger selection of life insurance options, including whole, universal, and guaranteed life insurance policies, you will need to shop elsewhere.


All of our reviews of life insurance companies are based on extensive research and analysis of each company’s offerings, customer service, financial stability, cost, and more. For each company, we compared the life insurance products offered, as well as available features, and reported customer experiences. Visit our life insurance review methodology for the full breakdown of what we evaluated for over two dozen companies.