About Policies from Fabric

General

How can my partner or spouse get covered, too?

Often, it makes sense for both spouses or partners to have term life insurance coverage. Here’s how to have more than one person apply.

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Updated over a week ago

How do you calculate my monthly premium?

Term life insurance premiums depend on your risk class, since the policy is determined by an underwriting process. Here’s how that works.

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Updated over a week ago

Accidental Death Insurance

What is accidental death insurance?

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What is covered by accidental death insurance?

Learn about what's covered and the types of exclusions that are not covered by accidental death insurance.

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Updated over a week ago

What info do I need to purchase accidental death insurance?

The accidental death policy we offer is guaranteed issue, which means you don’t need to submit health information to qualify.

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When does coverage start?

Curious about when accidental death coverage begins?

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Does the accidental death policy have a term?

Learn when accidental death coverage ends.

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Term Life Insurance

What is term life insurance?

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Updated over a week ago

What is covered by a term life insurance policy from Fabric?

Term life insurance covers a number of situations, however, there are a couple of exclusions that are not covered.

Written by Kaycie Gaige
Updated over a week ago

How do I get a quote for term life insurance from Fabric?

A life insurance quote is an estimate of how much you'd pay for coverage.

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Updated over a week ago

What info do I need to provide to apply?

You’ll need some info on hand when you apply, but you probably already know most of it off the top of your head.

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Updated over a week ago

When does coverage start for term life insurance from Fabric?

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Updated over a week ago

What term lengths does Fabric offer for term life insurance?

A term life insurance policy is in effect for a fixed amount of time, or term.

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Updated over a week ago

I just completed my application but did not receive an immediate offer. Now what?

The application process varies in length, ranging from immediate approval to significantly longer, depending on underwriting.

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Updated over a week ago

Health Exam

What happens next if I’m asked to take a health exam?

You’ve been notified that you’ll need to schedule an exam to move forward with your application. Learn what happens next.

Written by Kaycie Gaige
Updated over a week ago

Anything I should know about scheduling the exam?

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Updated over a week ago

What if I need to reschedule my health exam?

If something has come up and you need to reschedule your health exam appointment, don't worry. Here’s how to make the change.

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Updated over a week ago

How does the health exam work?

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Is there anything I should do to prepare for my health exam?

Tips to help you prepare for a quick and easy exam

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What should I expect the health exam to be like?

Typically, health exams take about 30 minutes to complete. Learn more here.

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How long will it take to get the health exam results?

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Can I use my results from a recent physical?

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How long will it take for the underwriting team to review the results of my health exam?

Learn how long it takes for your results to be reviewed by the underwriting team and when to expect your final decision.

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Updated over a week ago

Do I need a second health exam if I convert my life insurance policy from term life to whole life?

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Updated over a week ago

Claims Process

How do claims work?

Generally speaking, if you die for a covered reason while you have in-force coverage, your beneficiary will receive a death benefit.

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Updated over a week ago

How quickly are claims paid?

If your loved ones filed a claim, how long would it take to receive the death benefit?

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What is a contestability period?

Most insurers have a period of time, starting as soon as the policy goes into effect, to investigate and potentially deny claims.

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Updated over a week ago

When the insured passes away, who files the claim and how?

Someone who was close to the insured person will need to start the claims process with Fabric.

Written by Kaycie Gaige
Updated over a week ago

If no one ever files a claim, what happens to a policy’s death benefit?

When an insured dies, the insurance company will need to be notified to begin the process. If not, what happens then?

Written by Kaycie Gaige
Updated over a week ago