Fabric API
No partner API exists: no developer portal, OpenAPI spec, sandbox, SDK, or webhooks. The consumer site, mobile apps, and the Gerber Life agent portal are internal surfaces, and policy administration runs inside Western & Southern's enterprise systems.
Frequently asked questions
Fabric scores F on the API Report Card. No partner API exists: no developer portal, OpenAPI spec, sandbox, SDK, or webhooks. The consumer site, mobile apps, and the Gerber Life agent portal are internal surfaces, and policy administration runs inside Western & Southern's enterprise systems.
Without a usable official API, teams fall back on manual exports, file drops, or one-off vendor integrations. The other option is an unofficial API layer like Supergood that automates the authenticated web app directly.
Fabric (legal entities: Fabric Technologies, Inc. and Fabric Insurance Agency, LLC) is a Brooklyn, NY–founded direct-to-consumer life insurance and family financial planning platform launched in 2017 by Adam Erlebacher (ex-Simple) and Steven Surgnier.
Vertical: Insurance (Financial Services), specifically direct-to-consumer term life insurance bundled with adjacent family financial planning utilities (wills, kids' investment accounts). Consumer term-life flow: visit meetfabric.com, take the 'family financial checkup' quiz (income / age / dependents / debts), enter ZIP / DOB / gender / coverage amount / term length, receive an instant quote, complete the online application with health questionnaire and identity verification, receive an algorithmic underwriting decision (approve with no medical exam up to ~$1M / refer to human underwriter / require paramedical exam), e-sign and bind in a single session for eligible applicants, set up ACH or card billing, receive policy documents in the customer portal.
Medium within the D2C-term-life category, Low within the embedded-insurance / partner-API category.
Applicant records: name, DOB, SSN, address, occupation, income, citizenship, height/weight, tobacco use, medical history questionnaire, dependents, beneficiaries.
~9 years since founding (2017), ~4 years since the Western & Southern acquisition (January 10, 2022).
No documented public partner API exists at meetfabric.com, no api.meetfabric.com or developers.meetfabric.com subdomain, no OpenAPI spec, no sandbox, no published auth scheme, no rate limits, no webhooks catalog, no SDK, foreclosing embedded-insurance distribution that Ladder/Bestow/Ethos run. Customer portal API reliability ('constantly crashes,' payment-info updates blocked) suggests internal Fabric API / Western & Southern back-office integration brittleness that surfaces as servicing failure for end customers. Full sourced list under Sources below.
Common alternatives include Ladder, Bestow, Ethos Life, Haven Life, Sproutt, Policygenius (Zinnia). Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.