Overview
Fabric by Gerber Life is a direct-to-consumer life insurance and family financial platform focused on serving parents. The company offers fully digital term life insurance alongside complementary financial tools including online will creation, UGMA investment accounts, and college savings plan comparisons -- all accessible via a mobile app and web interface. Policies are underwritten by Western-Southern Life Assurance Company (rated A+ by A.M. Best), and the Gerber Life Agency, LLC holds the licensing for life, accident, and health insurance products.
Founded in 2015 as Fabric Technologies by Adam Erlebacher and Steven Surgnier, the company was acquired by Western & Southern Financial Group in January 2022 and rebranded as Fabric by Gerber Life. The platform uses accelerated digital underwriting to allow consumers to apply for term life insurance in under 10 minutes with instant decisions, no medical exam, and no physical paperwork required. The Fabric Vault mobile app consolidates insurance policies, investment accounts, estate planning documents, and emergency fund tracking in a single interface.
Fabric has served over 60,000 families and placed billions of dollars in life insurance coverage. The company holds a 4.8/5 rating on Trustpilot from over 1,271 reviews and an A+ accreditation from the Better Business Bureau. Prior to acquisition, Fabric raised approximately USD 30.5M across five funding rounds, with investors including Bessemer Venture Partners, CNO Financial Group, Guardian Life, Nippon Life, Samsung Ventures, and Securian Ventures.
Products & Services
Term Life Insurance
Fabric offers a fully digital term life insurance application with instant decisions and no medical exam required. The application process takes under 10 minutes and is available online and through the mobile app. Coverage is underwritten by Western-Southern Life Assurance Company (A+ rated by A.M. Best).
Key Features
- Instant decision without medical exam or paperwork
- Application completable in under 10 minutes
- Coverage designed for families and parents
- Quotes available in seconds online or via mobile app
Target Users: Individual consumers, parents
Free Will Creation
An online legal will creation tool available at no cost to all Fabric users. The tool helps parents document end-of-life wishes, designate guardians for children, and handle basic estate planning.
Key Features
- Free for all registered users
- Legal will creation fully online
- Designate guardians for minor children
- No attorney required for basic wills
Target Users: Parents, families
UGMA Investment Accounts for Kids
Uniform Gifts to Minors Act (UGMA) investment accounts that allow parents to invest on behalf of their children. Model portfolios are developed and managed by W&S Advisory Services, LLC, an SEC-registered investment adviser.
Key Features
- UGMA-compliant accounts for minor children
- Professionally managed model portfolios
- Integrated with the Fabric platform
- No separate account required
Target Users: Parents looking to invest for children
529 College Savings Plans
In partnership with Savingforcollege.com, Fabric helps families compare state-specific 529 college savings plans that may offer tax advantages.
Key Features
- State-by-state 529 plan comparison
- Tax-advantage information included
- Partnership with Savingforcollege.com
Target Users: Parents planning for college expenses
Fabric Vault (Mobile App)
The Fabric mobile app, branded as Fabric Vault, consolidates all family financial tools and documents in one place. Users can manage insurance policies, investment accounts, wills, and emergency savings from a single interface.
Key Features
- Centralized dashboard for all financial tools
- Policy management and document storage
- Live chat support
- Mobile-first design with web access
Target Users: Existing Fabric customers, families
At a Glance
- Founded
- 2015
- Headquarters
- Brooklyn, New York, USA
- Employees
- 11-50
- Funding
- Acquired
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Digital life insurance Embedded insurance Estate planning tools
- Insurance Verticals
- Life & Annuity
- Target Customers
- Consumers
Links
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Last updated: 2026-06-13