If you live in California or New York, you’ll start with Fabric Instant, which covers you for accidental death, your single greatest risk when you're 25-44 according to the CDC¹.
Purchasing Fabric Instant takes about two minutes from start-to-covered, and you'll have that coverage in place while you apply for Fabric Premium.
Your Fabric Instant policy would be automatically canceled if you later decide to upgrade your coverage by purchasing Fabric Premium, which is a 20-year term life policy that offers coverage up to $5M.
Otherwise, as long as our life insurance products are available in your state², you’ll have the option to either start with Instant and then upgrade to Fabric Premium or you can start off with the application for Fabric Premium from the get-go. Your choice!
¹CDC: National Vital Statistics Report, Volume 64, Number 2. (February 16, 2016), Table 9.
²Only Fabric Premium is available for purchase in Colorado, Massachusetts, North Dakota, Pennsylvania, Virginia and Washington.