See RatesSecure site · Updated July 2026
- Sample monthly premium
- From $15/mo
- Coverage amount
- $100K–$5M
- Term lengths
- 10–30 yrs
- No-exam option
- Yes
Why it stands out
Fabric by Gerber Life highlights
- No-exam term coverage up to $1 million for many applicants
- Free will builder and beneficiary organizer included
- Backed by Gerber Life's long track record in family coverage
- Application designed to be finished on a phone in minutes
The verdict at a glance
Pros and cons
Pros
- Bundles genuinely useful estate-planning tools at no cost
- Competitive term rates for parents and young families
- No medical exam for most qualifying applicants
Cons
- Coverage tops out at $5 million, and fewer term lengths
- Extra family-planning features aren't useful to everyone
Our full review
Our take on Fabric by Gerber Life
Fabric pairs affordable term coverage with the kind of tools young parents actually need, like a free will builder and account beneficiary tracking. Now part of Gerber Life, it aims to be the single app where a new family sorts out protection, and the term rates hold up well against pure-play insurers.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Fabric by Gerber Life’s own site before you apply.
The alternatives
How Fabric by Gerber Life compares
Other top-rated insurers in Life Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Haven Life | From $17/mo | Healthy applicants who want term coverage fast | See Rates | |
| 2 | Ethos | From $12/mo | Buyers who want to skip the medical exam | Get Quote | |
| 3 | Bestow | From $11/mo | Young, healthy buyers on a tight budget | See Rates | |
| 4 | Ladder | From $14/mo | People whose coverage needs will change | Get Quote |
- Haven Life4.9Best for Healthy applicants who want term coverage fast
- Ethos4.8Best for Buyers who want to skip the medical exam
- Bestow4.6Best for Young, healthy buyers on a tight budget
- Ladder4.5Best for People whose coverage needs will change