Fabric by Gerber Life review

Fabric is the digital term life brand of Gerber Life, part of Western & Southern Financial Group, and it is built explicitly around parents. Terms run from 10 to 30 years with coverage from $100,000 to $5 million, the highest ceiling among the app-first options on this list. Fabric says qualified applicants can get instant coverage without a medical exam and that the application can take as little as 10 minutes, with a licensed team available if you need help. It publishes a starting price of $7.85 a month for a 25-year-old woman with $100,000 in coverage. A price lock guarantee keeps the premium fixed as long as you pay, there is a 30-day money back guarantee, and you can cancel any time with no hidden fees. The same app offers free wills and custodial investment accounts for children. The main caveat is that the no-exam path is not guaranteed, and some sample pricing on the page dates from 2024. We compared documented features and published prices.

Who it is for

Parents of young children who want a no-exam option, coverage up to $5 million and extra family tools.

Price

From $7.85 a month for a 25-year-old woman with $100,000 in coverage.

Prices From $7.85 Based on 25 year-old female with $100k in coverage
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Term lengths of 10 to 30 years
• Coverage from $100,000 to $5 million
• Instant coverage with no medical exam for qualified applicants
• Price lock: the premium never changes as long as premiums are paid
• Free wills and UGMA investment accounts for kids in the same app

Strengths and weaknesses

• Strength: Low published starting price of $7.85 a month
• Strength: Highest online coverage ceiling among the app-first brands here at $5 million
• Strength: 30-day money back guarantee and cancel any time
• Weakness: The instant, no-exam decision applies only to qualified applicants
• Weakness: Terms stop at 30 years
• Weakness: Its sample $1 a day pricing dates from May 2024

Key facts

• Starting price: $7.85 a month (age 25, $100,000)
• Term lengths: 10 to 30 years
• Coverage: $100,000 to $5 million
• Application time: As little as 10 minutes
• Parent group: Western & Southern Financial Group

Where it ranks

Fabric by Gerber Life is No. 3 in our Best Term Life Insurance verdict.