# Fabric by Gerber Life — Life insurance, wills & more

> Digital platform for life insurance, child investments, and free legal wills. (iPhone/iPad app by Fabric Insurance Agency LLC.)

- Source: https://appshunter.io/ios/app/fabric-by-gerber-life/id1472411752 (this page in markdown: same URL + `.md`)
- Developer: [Fabric Insurance Agency LLC](https://appshunter.io/developer/1472411751)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 500 App Store ratings · 27 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 53 MB
- Languages: American English
- Released: 2019-11-11
- Data updated: 2026-07-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/fabric-by-gerber-life/id1472411752/reviews.md

## What is Fabric by Gerber Life?

Fabric by Gerber Life combines the digital convenience that you expect from Fabric, now partnered with the Gerber Life brand, which has been trusted by millions of families like yours for more than 50 years.

We make it easy to help protect your family’s finances and plan for their futures. Whether it’s affordable term life insurance, investing for kids, or free legal wills, Fabric has what you need, all in one place.

—
DISCLOSURES:
Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All term life insurance sample pricing is based on a 30-year old F in Excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

## Key features

- Term life insurance
- Investing for kids
- Free legal wills
- Family financial protection
- Future planning

## What do users think of Fabric by Gerber Life?

Overall sentiment: negative

**Pros**

- 👍 Simple and intuitive user interface
- 🚀 Quick and easy onboarding process
- 💼 Comprehensive financial management features
- 📋 Straightforward will creation
- 🎨 Attractive and well-designed visual style
- 👨‍👩‍👧‍👦 Helpful for family financial organization
- 💡 Innovative all-in-one financial platform

**Cons**

- 🐛 Frequent app crashes and freezing
- 🐛 Persistent login and authentication issues
- ❌ Unreliable customer support with long wait times
- 🐛 Face ID functionality unreliable
- 🐛 App frequently signs users out unexpectedly
- 🐛 White screen errors on app launch
- ❌ Website significantly more functional than app
- ❌ Restrictive account management policies
- ❌ No opt-out option for marketing communications
- ❌ Age restrictions on life insurance products
- ❌ Inability to reapply after application expiration

**Commonly reported bugs**

- App freezes and requires force close/restart
- White screen appears on app launch
- Face ID login fails 50% of the time
- App crashes after login attempts
- Payment information cannot be updated
- Withdrawal functionality stuck in maintenance mode
- Duplicate accounts created during identity verification
- Recurring payment pulls from wrong account
- Login requires 7+ clicks instead of single Face ID tap
- App opens only intermittently
- App stalls on random screens

**Most requested features**

- Reliable Face ID authentication
- Persistent login sessions without forced logouts
- Live customer support with immediate response times
- Ability to change contribution dates
- Flexible bank account linking without waiting periods
- Automatic retry functionality for failed recurring payments
- Option to opt-out of marketing communications during signup

## Recent user reviews (10 of 27)

All indexed reviews: https://appshunter.io/ios/app/fabric-by-gerber-life/id1472411752/reviews.md

### 2/5 — Crashes

*2026-05-06, version 3.0.6*

App lagging, Face ID does not work,  keeps loading when trying to use the app.

### 1/5 — Constant unresolved issues

*2026-02-18, version 3.0.6*

The app is unreliable and frequently crashes. It will not allow me to update my payment information. There is no way to reach live customer support—only an option to leave a message for a callback. The app directs you to “live chat” for faster help, but the chat simply says they will respond within 12 hours, which is not live support. I’ve been trying to get help since January 21 with no resolution.

### 2/5 — App Sucks, Use Site

*2025-12-22, version 3.0.6*

Just bookmark the site on your phone. App honestly sucks.

### 1/5 — Freezing app

*2025-09-22, version 3.0.0*

This app is always freezing. I always have to close it and start over. Right now, I am not able to look at how my account has grown, because the app won’t let me open it. It’s very poorly made.

### 1/5 — Find Another Service for Kids Investment Accounts

*2025-06-29, version 3.0.0*

I can't believe how buggy the app and their website is. I made accounts for each of my daughters, and first of all I can't change the contribution date, there are duplicate accounts for them both because it wouldn't verify my identity unless I used my maiden name, support told me they would close them but they didn't. Now I'm trying to withdrawal their money from their accounts and it says withdrawals are "undergoing maintenance" and to contact support to withdrawal anything. If you want to do ANYTHING you have to wait for customer support. For my recurring payments, it pulled from my checking instead of my savings (my fault), so I just transferred money over but it wouldn't retry the recurring payment, so I had to send a gift. I sent a gift for the amount of my recurring contribution, and it said I need to link an entirely different bank account now. Ok whatever that's ridiculous but I'm just trying to do one thing here, so I go to change bank accounts and it says I can't for 60 days after opening the accounts. So I'm just stuck not being able to put any money into their accounts. Its so ridiculous and unprofessional.

### 3/5 — Great Services, App needs work

*2025-05-26, version 3.0.0*

I got the investment accounts for my kids last year and the service has been great so far. FaceID does not work and the app keeps signing me out or having errors/glitching.

### 1/5 — Dont bother w App, use website

*2025-04-13, version 2.2.0*

7/10 times when I tap the app icon to open the app, I get a white screen with chat box.  Nothing else.  The we site is much more functional.  I am using the newest iPhone so its definitely not hardware related.

### 1/5 — Buggy app

*2025-01-24, version 2.2.0*

App freezes. I have to close and reopen for it to work. I have to enter my password every time even though I have already enabled Face ID

### 1/5 — So glitchy

*2024-12-31, version 2.1.5*

The app opens every other time

### 1/5 — Glitchy App

*2024-12-28*

The app stalls on random screens. I have to close the app re launch, Face ID works 50% of the time logging in and then the app crashes and freezes again.

## Frequently asked questions about Fabric by Gerber Life

### What does Fabric by Gerber Life do?

Fabric by Gerber Life is a digital platform that helps users protect their family's finances and plan for their future. It offers affordable term life insurance, options for investing for children, and the creation of free legal wills, all within a single application.

### What are the key features of this app?

The app's key features include obtaining term life insurance policies, setting up investments for children, and generating free legal wills. It aims to provide a comprehensive solution for family financial protection and future planning.

### Is Fabric by Gerber Life free to use?

While the app itself is free to download and use for planning purposes, the life insurance policies and investment products will have associated costs. Specific pricing details for these services would be available within the app or through Gerber Life's offerings.

### Who is this app designed for?

This app is designed for individuals and families who are looking for convenient ways to manage their financial security and plan for the future. It's particularly useful for those seeking life insurance, ways to save for their children's future, or to create essential legal documents like wills.

### What types of insurance does the app offer?

The app primarily offers term life insurance policies. It also mentions an Accelerated Death Benefit Rider. The issuance of coverage is subject to underwriting review and approval by Western-Southern Life Assurance Company.

## Version history (last 5 releases)

### 3.0.6 — 2025-11-19

Bug fixes

### 3.0.5 — 2025-11-14

* Bug fixes / improvements

### 3.0.0 — 2025-04-14

* MFA support

### 2.2.0 — 2024-12-31

* Introduces ShareView
* Bug fixes and improvements

### 2.1.5 — 2024-11-08

Bug fixes in the authentication flow

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-28.*