Fabric Instant is an accidental death policy that covers death by accidents but not by illnesses. It’s available in all states (and the District of Columbia) except for Montana.

Fabric Premium, meanwhile, is a term life insurance policy. It’s also available in all states except for Montana. In most states, you can apply directly for Fabric Premium. In California and New York, however, you’ll first need to purchase Fabric Instant and then apply to upgrade to Fabric Premium. We’re hard at work to make a direct-to-Premium experience in all states.

Currently, none of our insurance products are available outside of the United States.

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