Plan ahead with life insurance

Plan ahead with
life insurance

Guardian Direct has partnered with Fabric to bring term life insurance directly to you

  • Flexible & affordable

    The coverage amount and term length of your policy is easy to customize before you buy.

  • Quick & Easy

    Get an offer in 10 minutes, if qualified.

  • An app at your Fingertips

    Stay on top of your policy right from the free app or online.
 

What is term life insurance?

woman on couch

Planning for the unexpected
It can cover a portion of your lost income if the unexpected happens.

Mother and infant

Protecting your loved ones
Life insurance helps pay a lump sum to whoever you choose as your beneficiary in the event of your passing.

grocery bags

Helping cover costs
It can also help pay for other costs like housing and education for your kids.

 

 

Frequently Asked Questions

We've got you covered.

Life insurance helps pay a lump sum to whoever you choose as your beneficiary in the event of your passing. It can cover a portion of your lost income if the unexpected happens, and can also help pay for monthly bills like housing, education costs for your kids, etc.
If you have someone who depends on you financially, own a business, have debts, or want to leave something behind for friends and family, you might benefit from buying life insurance online. This is especially true for parents, people paying off mortgages, saving for college, or anyone who is the main breadwinner for their family.
Experts generally recommend a policy that will pay out at least 5x your annual salary. You’ll also want to factor in any outstanding debts. Other things you might want to consider are contributions toward future goals, like your kids’ college education. If you’re worried that the cost may be beyond your budget, don’t worry, any amount of coverage can help.
Term life insurance is just what it sounds like - a policy that covers you for a specific period of time (a term). It’s popular with families because, for example, a 20-year term policy can cover a parent from their child’s birth until the child moves out of the house. Term life insurance policies also tend to be significantly more affordable than whole life policies per dollar of coverage, and as such term policies are often recommended to help achieve these goals.
If your online term life application is approved and you purchase a policy, you will be covered for mortality for anything from accidents to natural causes and unexpected illnesses like heart attacks, cancer, diabetes and other natural causes. It’s worth noting, however, that your claim may be denied if you commit suicide within two years of your policy’s issue date or if you misrepresent yourself on your application.

The Guardian Life Insurance Company does not own or operate Fabric. These products are provided through a third party arrangement between Guardian and Fabric. Fabric offers term life insurance policies (Form ICC16-VLT, ICC16-VLT19, and CMP 0501 with state variations where applicable) issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT (all states except NY), and by Vantis Life Insurance Company of New York, Brewster, NY (NY only). Coverage may not be available in all states. 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. Policy obligations are the sole responsibility of Vantis Life. Fabric Insurance Agency, LLC (FIA) is an insurance agency licensed to sell life, accident, and health insurance products. FIA will receive compensation from Vantis Life for such sales. The NAIC Company Code for Vantis Life is 68632. See the Terms of Use for additional information regarding FIA. Guardian assumes no responsibility for non-Guardian products or services offered by Fabric.

 

2020-103427 (7/22)