Within the first 30 days of purchase
Within the first 30 days, you may be able to make certain changes from your Fabric account, including:
Increasing your coverage amount, up to the maximum amount you were originally approved for
Reducing your coverage amount
Changing your term length
Adding an accidental death rider, if available in your state and you did not already add it at purchase
Use this link to get started.
After the first 30 days
After the first 30 days, you can only reduce your coverage amount. This change is permanent, and your coverage cannot be increased again later. Term length changes are not available after the first 30 days. The accidental death rider cannot be added after the first 30 days. Please reach out to support@meetfabric.com to get started on a reduction of coverage.
Coverage Change FAQs
Can I increase my coverage?
If you’re within the first 30 days of purchase, you may be able to increase your coverage, but only up to the maximum coverage amount you were originally approved for.
After 30 days, you can only reduce your coverage. Reductions are permanent, and coverage cannot be increased again later.
Can I change my term length?
You may be able to change your term length within the first 30 days of purchasing your policy. After 30 days, term length changes are not available.
Can I add an accidental death rider?
You may be able to add an accidental death rider within the first 30 days of purchasing your term life insurance policy, if the rider is available in your state and you did not already add it at purchase.
The accidental death rider cannot be added after the first 30 days. To learn more about the accidental death rider, click here.
Can I buy additional policies (laddering)?
No. We don’t currently offer the option to buy multiple policies.
Can I cancel my policy and buy a new one?
No. If your policy is canceled, you won’t be able to purchase a second policy at this time.
Can my policy be converted to whole life insurance?
If you purchased your term life policy before September 2022, it may be eligible for conversion to a whole life policy. To learn more or get started, contact us at support@meetfabric.com.
If you purchased your policy in September 2022 or later, conversion to whole life is not available. Fabric by Gerber Life does not currently offer whole life insurance policies.