CompareFabric by Gerber Life at a glance
Where it shines
- Free will-making and family finance tools in the app
- Competitive pricing for 20s-40s
- Convertible to Gerber Life permanent coverage
Where it doesn't
- Not available in New York or Montana
- Issue age caps at 60
Who Fabric by Gerber Life is right for
Fabric by Gerber Life is best for young families because it bundles competitively priced term coverage with a free will and family-finance tools, which is exactly what parents of young children are usually juggling at the same time.
No-exam underwriting
Accelerated underwriting up to $1M for eligible applicants. Above that threshold, or if your health history raises a flag, expect a paramedical exam. No-exam approval is a convenience, not a discount; a fully underwritten policy from the same carrier is usually cheaper for a healthy applicant.
Riders and options
Available riders include accelerated death benefit. Availability and cost vary by state.
How Fabric by Gerber Life compares
| Carrier | Score | AM Best | Max coverage | Longest term | Max age | No exam up to |
|---|---|---|---|---|---|---|
 Fabric by Gerber Life | 4.3 | A+ | $5M | 30 yrs | 60 | $1M |
 Ethos | 4.5 | A | $3M | 30 yrs | 65 | $3M |
 Ladder | 4.4 | A+ | $8M | 30 yrs | 60 | $3M |
 Haven Life | 4.6 | A++ | $3M | 30 yrs | 64 | $1M |
 Banner Life | 4.8 | A+ | $10M | 40 yrs | 75 | $2M |
 Protective Life | 4.7 | A+ | $50M | 40 yrs | 75 | $2M |
 Pacific Life | 4.6 | A+ | $10M | 40 yrs | 75 | $3M |
Is Fabric by Gerber Life on your shortlist?
Check it against every carrier that fits your age, coverage and term.
Fabric by Gerber Life questions
Is Fabric by Gerber Life a good life insurance company?
Fabric by Gerber Life holds an AM Best financial strength rating of A+ and earns a 4.3 out of 5 in Quote Genie's methodology, which weighs price, financial strength, underwriting flexibility, policy options and buying experience. We rate it best for young families.
How much term life insurance can I buy from Fabric by Gerber Life?
Fabric by Gerber Life issues term policies from $100K up to $5 million, with level terms of 10, 15, 20, 25, 30 years for applicants aged 21 to 60 at issue.
Does Fabric by Gerber Life require a medical exam?
Not always. Accelerated underwriting up to $1M for eligible applicants. Applicants above that limit, or whose health history needs more review, will be asked to complete a paramedical exam.
Can I convert a Fabric by Gerber Life term policy to permanent insurance?
Yes. The policy includes a conversion privilege that lets you move to permanent coverage without new medical underwriting, subject to the conversion period in your contract.
Is Fabric by Gerber Life available in every state?
No. Fabric by Gerber Life does not currently sell term life in NY, MT.
Facts come from Fabric by Gerber Life product materials and public filings, last reviewed October 19, 2026. Quote Genie is an independent agency and is not affiliated with Fabric by Gerber Life.