Fabric by Gerber Life vs SelectQuote
Last updated July 2026
Fabric by Gerber Life
Term life plus free wills and family financial tools
Advantages
- Free digital will and trust setup included with every policy
- Backed by Gerber Life (owned by Western & Southern Financial Group)
- 10-minute application with no medical exam for most eligible applicants
- Built-in family financial tools, shared account tracking, savings, checklists
- Term coverage from $100,000 up to $5 million
Drawbacks
- Instant decision funnel is narrower than Ethos for older or higher-risk applicants
- Younger brand than legacy carriers, limited public claims track record
- No permanent life products for buyers who want cash value
SelectQuote
Life insurance comparison with a phone-first agent
Advantages
- Operating since 1985, deep experience with life underwriting
- Compares quotes from 20+ carriers
- Agents are life insurance specialists, deep product knowledge
- Also brokers Medicare, home, and auto
Drawbacks
- Very phone-heavy, expect calls after requesting a quote
- Digital experience lags Policygenius by a wide margin
- Less transparent comparison view, agent controls what you see
Fabric by Gerber Life and SelectQuote both play in life insurance, but they're aimed at different buyers. Fabric by Gerber Life is built for young parents who want term life plus estate planning basics in one place. SelectQuote is built for buyers who want a specialist agent walking them through the whole process. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Fabric by Gerber Life | SelectQuote |
|---|---|---|
| Product Lineup | -- | Term, whole, universal, final expense |
| Product Type | Term life (10, 15, 20 yr) | -- |
| Maximum Coverage | $5M | $10M+ through carrier partners |
| Application Time | ~10 minutes; instant decision for most | Quote by phone; bind in 4-8 weeks |
| Underwriter | Vantis Life (a Penn Mutual company) | -- |
| Medical Exam | No exam for most eligible under $5M | Varies by carrier; no-exam options available |
| Issue Ages | 21-60 | -- |
| Family Perks | Free will, financial tools, beneficiary planning | -- |
| Riders Included | Accelerated death benefit standard | -- |
| Carrier Network | -- | 20+ carriers (Banner Life, Protective, John Hancock, etc.) |
| Agent Support | -- | Assigned specialist agent |
| Digital Tools | -- | Basic quote tool; heavy phone workflow |
| Bundling Options | -- | Medicare, home, auto |
Too Close to Call
Fabric by Gerber Life and SelectQuote land roughly even overall; the right pick depends on which of their strengths matters more to you.
Fabric by Gerber Life's standout strength: Free digital will and trust setup included with every policy. SelectQuote's standout strength: Operating since 1985, deep experience with life underwriting. Neither dominates across the board, and both have well-known weak spots. Fabric by Gerber Life's biggest drawback: Instant decision funnel is narrower than Ethos for older or higher-risk applicants. SelectQuote's biggest drawback: Very phone-heavy, expect calls after requesting a quote. Pick the one whose strengths line up with what you actually need.
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