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    Protect Your Family with Fabric Life Insurance

    Fabric offers affordable term life insurance and a free digital will through one app — designed specifically for parents who want to protect their families without a complicated process.

    5 min read 6 stepsApril 20, 2026Verified April 2026
    1

    Download Fabric and create your account

    ~31s
    Search for "Fabric" in the App Store (iPhone) or Google Play (Android) and install the free app. You can also access Fabric at meetfabric.com in your web browser. Open the app and create a free account with your email address and a password. You can explore the app and create a free will without purchasing insurance, so there is no obligation when you sign up.

    Quick Tip

    Quick Tip: Fabric is operated by Western & Southern Financial Group, a well-established insurance company with a long history. This backing means your policy is supported by a financially stable company.

    2

    Start the life insurance application

    ~33s
    Tap "Get Life Insurance" in the Fabric app. You will be asked to enter basic information: your date of birth, gender, whether you smoke, your general health status, and whether you have any major medical conditions. Fabric uses this information to determine your eligibility and provide an initial quote. Answer honestly — misrepresenting health information on a life insurance application can result in a claim being denied later.

    Warning

    Never provide false information on a life insurance application. If your beneficiaries ever file a claim, the insurance company will investigate and a misrepresentation discovered at that time can result in the claim being denied.

    3

    Choose your coverage amount and term length

    ~27s
    After entering your health information, Fabric shows you available policy options. Choose a coverage amount (the death benefit your family would receive) and a term length (how many years the policy covers you). Common choices are 20-year or 30-year terms for younger parents who want coverage through their children's dependent years. The monthly premium varies based on your age, health, coverage amount, and term length. A healthy 35-year-old can often get $500,000 of 20-year term coverage for under $30 per month.
    4

    Name your beneficiaries

    ~24s
    A beneficiary is the person who receives the insurance payout if you pass away. Tap the beneficiary section and add the names and relationship of the people you want to receive the benefit — typically a spouse or partner, and possibly children if they are adults. You can split the benefit among multiple people by percentage. Keep your beneficiary designations updated whenever major life changes happen, like a marriage, divorce, or the birth of a child.
    5

    Complete the underwriting process

    ~26s
    After submitting your application, Fabric will either approve your policy immediately (called instant issue) or notify you that additional information is needed. For instant issue, you can activate your policy immediately and begin coverage the same day. If a medical exam is needed, Fabric arranges a free in-home exam — a technician comes to you to take basic measurements and a blood sample. Results are reviewed by the insurance underwriters, and you typically hear back within a few weeks.
    6

    Create your free digital will

    ~43s
    Even if you decide not to purchase life insurance, use Fabric's free will feature to document your wishes. Tap "Create a Will" in the app and follow the guided steps. You can name an executor (the person who manages your estate), a guardian for any minor children, and specify how you want your assets distributed. Your completed will is stored in the app and can be downloaded as a PDF. While a Fabric will is a legally binding document in most states, complex estate situations may warrant working with an estate attorney as well.

    Quick Tip

    Quick Tip: Naming a guardian for your children is one of the most important things parents can do, and most people put it off far too long. The Fabric will process makes this straightforward and takes less time than you might expect.

    You Did It!

    You've completed: Protect Your Family with Fabric Life Insurance

    Need more help? Get Expert Help from a TekSure Tech

    Fabric is a financial protection app built for parents and families. It offers two products in one place: term life insurance, which pays a benefit to your family if you pass away during the coverage period, and a digital will, which lets you document your wishes for your belongings and, importantly, name guardians for your children.

    Life insurance can feel complicated and intimidating, but Fabric was designed to make it approachable. The application process happens through the app and takes around 10 to 20 minutes. You answer health questions, choose your coverage amount and policy term length, and Fabric provides a quote. Many applicants are approved quickly without needing a medical exam, though some applicants based on age or health history will be asked to complete one.

    The type of insurance Fabric sells is called term life insurance. This means the policy covers you for a specific number of years — typically 10, 15, 20, or 30 years — and pays a benefit called the death benefit to your named beneficiaries if you pass away during that term. Term life is different from whole life insurance, which covers you permanently but costs much more per month. For most families with children at home, term life insurance is the practical and affordable choice.

    Coverage amounts on Fabric typically range from $100,000 to several million dollars. A common guideline is to carry coverage equal to 10 to 12 times your annual income, but the right amount depends on your debts, your family's expenses, and your financial situation.

    The Fabric will feature is free for anyone, even if you do not purchase life insurance. Creating a basic digital will in Fabric takes about 15 minutes and lets you name a guardian for minor children — one of the most important things a parent can do and something many people put off for years.

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    Official Resources

    Consumer Financial Protection BureauFTC — Identity TheftAnnualCreditReport.com

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    Protect Your Family with Fabric Life Insurance — Step-by-Step Guide | TekSure