It'll only take about five minutes to complete your application for Fabric Premium. Fill out our online application, which will ask about your personal, professional and health situation. That’s because term life insurance is medically underwritten, meaning that your risk factors are taken into account when our underwriting team figures out whether coverage can be offered to you and at what rate.

From there, the underwriters will determine if we’ll be able to offer you immediate coverage. If not, and they need more information before they can do so, you’ll likely receive a quick call from an underwriter to ask you some brief questions to move your application along as quickly as possible. We might also need to ask you to take a medical exam. It would be at no cost to you and entails a trained professional working around your schedule to meet you conveniently at home or work. He or she might draw your blood and ask you other questions.

Once the team has the information they need, we’ll get back to you with the decision and if that does include an offer of coverage, we’ll also provide you with the confirmed rates.

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