Starting a Family? This Five-Star, No-Hassle Life Insurance App Will Ensure Your Loved Ones Are Protected – iDrop News

Being a new parent is challenging enough without worrying about what could happen to your kids if you weren’t around – so setting up a life insurance policy to make sure your loved ones are taken care of shouldn’t add to your burden.

That’s where Fabric comes in. Instead of dealing with high-pressure sales reps, weeks or back-and-forth sales calls and meetings, medical exams, and blood tests, Fabric can have you covered with term insurance online in only 10 minutes.

The best part is you don’t need anything more than your iPhone to get started. Just download the app or visit the mobile site in Safari and take the 60-second quiz that will tell you if Fabric is the right fit for your family and, if so, let you get started on your application right away.

Fabric isn’t just for young and responsible millennials with kids either; it can help you out even if you’ve waited until later in life to start your family, and term policies are available in 10, 15, 20, 25, and 30-year lengths, so there’s something here to meet the needs of just about every new parent.

Applying for life insurance can be a harrowing process. Even with other online providers, you’re either at the mercy of cumbersome self-serve systems that provide little useful information and an even more opaque user experience. Meanwhile, contacting an agent will often result in numerous pesky sales calls trying to upsell you to bigger policies with higher commissions (for them). Those are the last things you want to deal with when you’re already sleep-deprived from all those 3 a.m. feedings, which is what makes Fabric such a breath of fresh air.

Fabric’s beautiful and easy user experience will walk you through all the steps with explanations that are easy to understand, and clear instructions on what to do next. That’s why Fabric has earned a TrustPilot score of 9.5 out of 10, with more five-star reviews than any other digital MGA.

Unlike traditional insurance brokers, Fabric only sells term life policies, which means you’ll never need to worry about being pressured into a more complicated and expensive whole life policy that you probably don’t need.

After all, while life insurance should be about making sure your loved ones are taken care of, you also don’t want to be mortgaging your present financial security for an uncertain future by pouring money into a whole life policy that’s more about getting a payback a few decades down the road. Use the money you’ll save to pay off your house, stay debt-free, and get a 401(k) instead.

Any independent financial advisor will tell you that term life is the best choice for 99% of parents, since it’s about providing for your kids while they’re living under your roof, not after they’ve gone off to college and gotten jobs of their own. That’s why Fabric only sells term life policies, and will never even try to sell you a whole life policy. Other brokers will try to steer you to whole life policies because that’s where the significantly higher commissions are.

Fabric won’t try to sell you anything you don’t need, and in fact you don’t have to worry about getting any sales calls at all. If you decide that Fabric is not for you, then you can simply close the website and walk away — but we think it’s a pretty safe bet that you’ll like what they have to offer. Learn more here.

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