Most life insurance policies have a period of time, starting as soon as the policy goes into effect, during which the insurer has the right to review your coverage for anything that may have been misrepresented during the application process. This is called the contestability period, and it can delay payment or, in some cases, result in a claim denial. For policies offered through Fabric by Gerber Life, the contestability period is two years.

If the policyholder passes away within the first two years of coverage, the insurer may take a closer look at the cause of death and any potential inconsistencies in the application. This review ensures that the cause of death is covered and that the policyholder provided accurate information during the application process.

If a claim is filed after the contestability period and no investigation is required, payment of the death benefit will generally be processed within five business days of receiving all necessary documentation.

Claims under investigation by law enforcement or the medical examiner cannot be paid until the investigation is complete.