Fabric Premium is a medically underwritten term life insurance policy. Whenever possible, we’ll offer you coverage to start immediately after we get your application. But in some cases, we will need to gather more information, and we may ask you to take a brief health exam. This can depend on the state that you live in (it’s always required in New York and California) and on the underwriting team’s ability to make a final decision without an exam.
If we ask you to take a health exam, we’ll send someone to your home or work—around your schedule—at no cost to you. If you want, you can even have the results sent to you.
How does the health exam work?
A friendly, trained medical professional will work around your schedule (seriously, we can support odd hours!) and travel to your home or work. They will ask questions about your medical history, will take height and weight measurements, and a blood and urine sample. Plan for the appointment to take 30 to 45 minutes.
Anything I should know about scheduling the exam?
After you’ve applied for Fabric Premium, we’ll let you know if we need you to take a health exam. If so, expect a call from a company called American Para Professional Systems (APPS) on behalf of Vantis Life, the insurance company. They’ll schedule an appointment around your schedule, even including nights and weekends.
APPS will call again a day or two before your appointment to confirm the time and place.
Please pick up when they call to make scheduling easy!
How long will it take to get the health exam results?
Once you have completed your health exam, it takes about five to seven business days for your results to come in and be reviewed by the underwriting team.
After our underwriting team has received and looked over all the info they need, they’ll send you a final decision—and if that includes an offer for coverage, a confirmed price—along with any other relevant information as soon as possible. We'll keep you updated along the way, and you can always message us with questions.
You can request a copy of your health exam results by sending us a message.
Do I need a second health exam if I convert my life insurance policy from term life to whole life?
No. If you want to convert your term life insurance policy into a whole life insurance policy, we can use your original health exam. Just send us a support message and we'll help get you on your way.
Here are some helpful tips on how to get ready for your health exam.