All new Fabric customers start with Fabric Instant (accidental death) and can apply to upgrade their coverage any time to Fabric Premium (20-year term life).

Why start with Fabric Instant?

If you're 25-44, accidental death is your life's single biggest risk*. Get covered with accidental death insurance in 2 minutes with Fabric Instant.

*CDC: National Vital Statistics Report, Volume 64, Number 2. (February 16, 2016), Table 9.

Fabric Instant is life insurance for accidental death. Examples of what's covered include: unexpected events like car, bike, and commercial air crashes, fire, and murder. Illness-related causes such as heart attacks are not covered by Fabric Instant. Upgrade coverage later to include death from accidents and illnesses by replacing Fabric Instant with Fabric Premium, a 20-year term life insurance policy that is optionally convertible to whole life insurance.

What is not covered by Fabric Instant?
Fabric Instant comes with some exclusions (events that are not covered). Examples include things like: death from illnesses, suicide, death while participating in a riot, or committing a crime. Since these exclusions vary by state, during signup tap the "What's covered by Fabric Instant?" link to see your state's exclusions – it is on the screen where you select your pricing plan.

How much is Fabric Instant?

Fabric Instant offers three simple plans* starting at:

  • $6/mo for $100,000 in coverage
  • $15/mo for $250,000 in coverage
  • $30/mo for $500,000 in coverage*

        *prices may vary by state

Who issues Fabric's policies?
All Fabric policies are issued by Vantis Life Insurance Company, an insurance provider since 1942. Vantis Life is rated "A" ("Excellent") for financial strength and claims-paying ability by A.M. Best, the global authority on insurance company rankings. The policy you receive from Fabric is a legal contract between you and Vantis Life. It remains in-force as long as you continue paying premiums.

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