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Fabric Life Insurance Review 2019

Jan. 2, 2019
Insurance, Life Insurance
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at a glance

  • Offers accidental death and term life insurance online.
  • Quick application.
  • No medical exam required for some term life applicants.


Launched in March 2017, Fabric sells accidental death insurance and term life insurance policies online. One or both types are available nationwide except in Montana. Only term life is available in Colorado, Massachusetts, North Dakota, Pennsylvania, Virginia and Washington.

The policies are issued by Vantis Life Insurance Co. In October 2017, the company began offering a free will-writing tool on its website.

(NerdWallet does not score Vantis Life for our life insurance company rankings because customer satisfaction ratings for the company are unavailable. Vantis is not included in the annual J.D. Power U.S. Life Insurance Study, a customer satisfaction survey.)

A.M. Best financial strength rating: A (excellent)

The financial strength of Vantis Life Insurance Co., which issues Fabric policies, is excellent, according to ratings firm A.M. Best. Financial strength indicates an insurance company’s ability to pay claims.

Consumer complaints: Better than the median

Compared to other companies with its market share, Vantis drew significantly fewer than the median number of complaints about life insurance to state regulators in 2017, according to the National Association of Insurance Commissioners.

The association assigns a complaint ratio score to insurance companies, based on the number of complaints to state insurance commissioners, adjusted for market share. The median score is 1. A score less than 1 means fewer complaints. Vantis Life’s score for individual life insurance in 2017 was zero.


More about Fabric

Types of life insurance soldOther products & services
  • Term life.
  • Accidental death insurance.
  • Free online will-writing tool.
  • Fabric insurance options

    Fabric Insurance has no agents and sells policies online nationwide, except in Montana. In most states you can choose whether to purchase Fabric Instant, the accidental death policy, or Fabric Premium, a 20-year term life policy. Accidental death insurance pays out only if the insured person dies in an accident, not from any other cause, such as cancer. The buyer can keep the accidental death policy until age 60, or until purchasing Fabric’s term life policy. Term life pays out for death from accidents or illnesses.

    » MORE: Term life insurance vs. accidental death & dismemberment

    California and New York residents start by purchasing the accidental death policy, and then can upgrade to term life. The accident policy is automatically canceled when the term life policy is issued.

    Only the term life policy is available in Colorado, Massachusetts, North Dakota, Pennsylvania, Virginia and Washington.

    Buying the accidental death policy takes only a few minutes online. No health information is required, and acceptance is guaranteed.

    Term life applicants must answer health questions online. In most states, some applicants may then qualify for a policy immediately without taking a health exam. Applicants who are required to take a health exam can schedule a time on the website, and a paramedical professional will visit their home or office. It takes about five to seven business days for the life insurance company to review exam results and an additional few days to give a decision and set a price.

    in 2018, Fabric introduced Trusted Contacts, which lets policyholders give beneficiary spouses or partners digital access to policy information and customer service.

    Fabric also offers a free will-writing tool on its website. The tool lets you specify wishes for final arrangements and designate guardians, beneficiaries, executors and bequests. It also gives steps for making the document legally binding and provides conversation starters for talking to loved ones.