If you started off by purchasing Fabric Instant, while you go through the application process for purchasing your upgraded Fabric Premium coverage, you will remain covered by your Fabric Instant, accidental death policy.
The application process for Premium, from start-to-final-decision, can vary from person to person. The application itself only takes about 5 minutes and, for some, an offer could be received anywhere from immediately to a couple of days¹. For others, a medical exam and additional requirements may be requested, in which case a final decision would be made about a week after all of those requirements were met.
¹Full underwriting is required in the states of Arkansas, California, Connecticut, Florida, New York and Wyoming. This means that a medical exam will be needed as part of the application process.