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Fabric's Affordable Life Insurance Is Ideal For Families With Young Children, But Anyone Can Benefit After the birth of my first son, my entire perspective towards money changed

After the birth of my first son, my entire perspective towards money changed. I was struck by the realization that for the next 20 years, another life would be depending on my income for survival.

Honestly, that thought was a bit frightening, and I immediately began shopping for life insurance. My story isn't that unusual. Many people don't start seriously thinking about life insurance until they have kids. 

Fabric, a digital life insurance company, seems to get that and has tailored its life insurance policies and other services to appeal specifically to families. Let's take a closer look at what the company has to offer.

Fabric life insurance pricing and terms

Fabric's main life insurance product is called Fabric Premium, but it also offers an accidental death coverage policy called Fabric Instant. All Fabric life insurance policies are backed by Vantis Life, which is currently rated A+ for financial strength by A.M. Best. 

Fabric life insurance term length and coverage amounts

One of the things that sets Fabric apart is the term lengths that it offers on its insurance policies. 

Many life insurers offer policies that will cover you for 30 years or longer. But, remember, Fabric is focused on covering you while you have kids in the home. So, for now, the longest term Fabric offers is 20 years. 

In most states, Fabric offers 10- and 15-year policies as well, for those who want shorter terms. 

Get a life insurance quote from Fabric today and protect your family's future »

As far as coverage options go, you can choose from $100,000 to $1 million. Currently, Fabric only offers term life insurance policies, but they are convertible to whole life policies if you want that flexibility.

Fabric life insurance pricing

The specific prices that you're quoted will depend on your health, age, and family medical background. 

But in my experience, Fabric's quotes are very competitive. For example, here are a few actual quotes I received from Fabric for a 20-year policy:

$300,000 in coverage: $18.20 monthly premium

$500,000 in coverage: $23.39 monthly premium

$1 million in coverage: $39.50 monthly premium

Fabric

Depending on your situation, Fabric may offer you slightly higher or lower rates than what I received. But I do believe that the company strives to offer affordable policies to its customers.

Extra perks to help you protect your family

In addition to its life insurance product, Fabric offers a couple of extra services that families will appreciate. 

Fabric Wills

Fabric Wills is a service that you can use to create your last will and testament for free. A will not only allows you to designate who should inherit your estate, but it's also where you can appoint a guardian for your child. 

For this reason, creating your will is very important if you have kids. And Fabric says you can create yours in five minutes on its site.

Fabric Fabric Vault

Fabric Vault is a financial security product that is built into the Fabric app. With Fabric Vault, you can share your financial account information (like your bank, 401(k), or IRA) with your spouse. 

You can store your will in your Fabric Vault as well. Think of it like a virtual bank safety deposit box. And Fabric Vault takes security seriously, using 256-bit encryption to protect your data. 

Quick application process

It takes less than one minute to get a quote from Fabric. The site asks for just five pieces of information: your age, your gender, your state of residence, your history with tobacco use (if any), and your health. 

If you like what you see, you can continue with the full application, which asks a lot of questions about your health. 

But it's for a good reason. If everything checks out and no flags are raised, you may be able to receive full underwriting approval immediately. That means you may be able to get medically underwritten life insurance coverage without a medical exam.

If you aren't able to receive immediate approval, one of Fabric's underwriters will reach out and may ask for more information. In some cases, you may still need to undergo a medical exam (but at no cost to you).

Get immediate coverage with Fabric Instant

Even if you aren't able to receive instant approval for a Fabric Premium policy, you can get Fabric Instant coverage within two minutes if you're between ages 25 and 50. 

With a Fabric Instant life insurance policy, accidental deaths, like car crashes, fire, and murder, are covered. That could provide peace of mind until you're able to get approval for a Fabric Premium plan, which would also covers deaths caused by illness.

Fabric Life is a good product, but you'll still want to shop around

One of Fabric's strengths lies in its simplicity. But that could also be one of its weaknesses. 

If you're looking for a 30-year policy, a whole life policy, or a ton of optional riders, Fabric isn't going to be the right insurer for you.

But Fabric is a strong choice for anyone who's looking to buy term life insurance with a term length of 20 years or less. It offers a streamlined application process, competitive rates, and useful companion products.

Just be sure to compare your Fabric life insurance quotes with at least two other insurers. Or use an insurance marketplace, like Policygenius or Quotacy, to see quotes from multiple insurers at the same time.

PUBG Exec Clarifies Objection To Fortnite Battle Royale: 'it's Not About The Idea Itself, It's About Epic Games'

As we reported early on Friday, the release of Fortnite Battle Royale, a 100-player last-man standing game mode for Epic Games base-building FPS, drew criticism from PlayerUnknown's Battlegrounds' development team, specifically Bluehole VP and executive producer Changhan Kim. Bluehole's press release expressed concern that Fortnite "may be replicating the experience for which PUBG is known" and that Bluehole was contemplating "further action."

Bluehole contacted PC Gamer Friday evening to clarify its objection to Fortnite Battle Royale and explain in greater detail some of the statements made in the press release. I spoke with C.H. Kim tonight over Skype (he was in Tokyo), with marketing and events manager Sammie Kang providing translation and giving the final two responses.

We use Unreal Engine to develop PUBG, and we pay a large amount of royalties based on the size of our success to Epic Games

C.H. Kim, VP and executive producer

C.H. Kim: So the first thing that I'd like to clarify is that this is not about the battle royale game mode itself. There were other BR gamemodes earlier this year that were released, like last man standing or GTA 5's battle royale game mode, and we never raised an issue, and I think it's great that there's more competition and everyone should be able to create their own battle royale game mode, and it's not about the idea itself, it's about Epic Games, and that wasn't really clear [in the press release].

PC Gamer: So it's not the mode you guys have an issue with. From your statement or your press release earlier today, it said that there were similarities in the UI, and the other things mentioned were the gameplay and structural replication in the battle royale mode. Can you specify exactly, if you're not objecting to a battle royale mode in another game, then what do you mean by concerns about gameplay?

There are a lot of different issues but everyone else that released a battle royale game mode made their own thing, but it was Epic Games that made this game that is similar to us that has similar elements, and that's the concern, that it was Epic Games.

We use Unreal Engine to develop PUBG, and we pay a large amount of royalties based on the size of our success to Epic Games, and Epic Games always promoted their licensing models [saying] "We want to support the success indie developers", and [Bluehole is] this indie developer that has been the most successful one using the Unreal Engine this year, and that's the problem that I see.

So if, say, you had no real connection with Epic through the Unreal Engine, say you used another engine, or this battle royale mode was from some other company you don't have that connection with, it wouldn't be an issue? It's specifically because it's Epic and you licensed their engine, is that correct?

So, battle royale is just about last man standing, it's a simple game mode, and we're not claiming any kind of ownership over the game mode or genre itself, it's not for us to even comment. There were a lot of copycats in China and [in that] industry there is a lot of battle royale games that look exactly [the] same as ours, so we will definitely look into similarities if there are different products that are very similar to our game, but even before we actually looked deeper into how similar [Fortnite Battle Royale] is, we wanted to raise an issue because this is from Epic Games. We could be the biggest indie success story that they have and there will be other indie developers that aspire to succeed like us using Unreal Engine, and they would be concerned, right? So we just wanted to raise an issue and let people know that it can be a problem.

we're starting to have concerns that they're going to develop new features or improve something in the engine to support that battle royale gameplay, and then use it for their own game mode.

C.H. Kim

And in terms of a resolution you'd be satisfied with, what are you hoping or thinking that Epic could do with Fortnite's battle royale mode that would remove the objections you have?

Well, we would have to specifically talk about the details with Epic Games but we haven't been connected to their headquarters yet. So what I want to explain here is that PUBG might have really simple battle royale rules and systems, but we see that as Brendan's own idea and that game mode in PUBG belongs to Brendan. You know that Daybreak Games actually licensed this idea and worked with him to develop their game mode and [Bluehole] did license his idea as well. Not only [did we bring] him to Korea to hire him as the creative director, we licensed his idea to develop PUBG.

So we're not just taking someone else's idea. Bluehole's stance is that we respect and value the indie developer or modder's idea and we actually licensed it.

So what I think I'm hearing is you would like Epic to license their battle royale from you? Is that what I'm hearing?

What I think is, they should have at least came to us before making it and had a discussion with us.

So, there's another issue. We're going to get some technical support [from Epic], and we're going to work with them to make sure Unreal Engine better supports battle royale gameplay which requires 100 people in one session, and now we're starting to have concerns that they're going to develop new features or improve something in the engine to support that battle royale gameplay, and then use it for their own game mode.

But not give [the improvements] to you, even though you've licensed the engine, is that what you're saying? They'll develop technology that improves their battle royale but is restricted from you?

We could be afraid when we make new features in the engine by modifying it internally, that is not already available and public, that feature could be leaked, or other things could happen.

Prior to the press release you sent out about this issue, had you reached out to Epic through different channels?

So we didn't have any real discussions [with Epic] and we just found out through articles from the media and then it took us a long time to figure out what was going on because we found this out through media, and it took us a long time, and [Epic was] being really aggressive about making this into a standalone game that will be released on different platforms, and we thought we need to straighten things out here and then clarify some things.

It was just a bit surprising and disappointing to see our business partner using our name officially to promote the game mode

C.H. Kim

What is your next step? You're obviously hoping to get in contact with Epic at some point and start discussing your options.

So, yes, of course we want to start a discussion and we reached out to Epic Korea, and they have reached out to their headquarters based in the US, but we didn't get any response, and that might be because it's the weekend right now.

So, we just want to emphasize this only a problem because Epic Games is the company that makes the engine we use and we pay a large amount of royalties to them. And we had this business relationship and we had trust that we would be getting continued support, and we were looking forward to working more closely with them to get technical support, maybe develop new features. But our name was used to officially promote their game without our knowledge. There was no discussion. It was just a bit surprising and disappointing to see our business partner using our name officially to promote the game mode that is pretty similar to us and there was misunderstanding in the community that we're officially involved in the project.

When they used your name, was that in official promotional materials?

Sammie Kang: It was in their promotional video that was posted on Twitter and they would openly mention that they were fans of PUBG, we wanted to make this battle royale game mode, and that kind of gave the impression that we were officially involved in this.

So they were giving the impression that you guys were on board and were a part of this, and in no way were you.

Sammie Kang: Right, and there were players like, "Oh it's cool, now we get to play PUBG in Fortnite", and there was nothing we could do about it, because it was depicted that we were officially involved.

Meghan Markle's Trainer Reveals 6 Tips For Avoiding Holiday Weight Gain

Meghan Markle's Trainer Reveals 6 Tips For Avoiding Holiday Weight Gain.

Don't lie to yourself.

Don't tell yourself "I'll work out tomorrow" unless you actually have a plan to do just that. Crystal Cox/Business Insider

Lagree said one of the biggest problems is that people aren't realistic or honest with themselves about their holiday plans. It's easy to say you'll work out tomorrow, but facing a snowy, possibly hungover, trek to the gym after Thanksgiving is daunting. 

"People live under false promise of 'I will do it tomorrow,' but that never happens," Lagree said. "That's why unfortunately every year, there's an accumulation of weight gain. A lot of people still haven't lost the weight they gained last year."

But going in with clear goals and a plan for sticking with them can prevent that. 

Plan to eat something before the big feast.

Eating a healthy snack or light meal before the big meal can assure you won't arrive famished and overdo it. Robynmac/iStock

Don't hold off on eating before the holiday meal because you plan to "save" all your calories for one sitting, Lagree said. That will only make you hungrier, and more likely to overdo it once the meal is finally served. 

Instead, have a healthy, filling meal before you leave for the celebration. Something less calorie-dense but with a lot of volume and nutrition is ideal, Lagree said. Leafy greens and veggies or complex carbs like whole-grains could work. 

Drink water between servings.

Taking a water break can help you assess how hungry you are. Sebra/Shutterstock

With buffet-style gatherings, it can be easy to overdo it, but plan to stick to reasonable portions. 

Drinking plenty of water can help give your body a break to assess how full you really are before you go back for another serving, Lagree said. 

Enjoy the meal.

Thanksgiving only happens once a year. Getty Images

Don't stress if you spend Thanksgiving enjoying a hearty meal with family or friends.

Lagree said that for most people with healthy lifestyle, one big day of partying or eating won't cause significant issues. 

"If it's a one-time thing, that's OK. Nothing bad is going to happen; your body will bounce back," he said. "The problem is the reptative habit." 

Exercise daily, even if it's just a few minutes at home.

Pick five exercises and do each for a minute. Undrey/Shutterstock

On a cold winter day, especially after a big meal, it can be tempting to skip the snowy trek to the gym in favor of cozying up indoors. But Lagree said it's still possible to get in a solid workout, even without equipment or much time. 

He recommended slow, isometric workouts — exercises that hold tension through the movement — like lunges, wall sits, planks, tricep dips, and crunches. 

Pick five and do each for a minute, in any order. "Move so slow you can feel gravity pulling your body to the floor, feel your body fighting gravity," Lagree said.

For an added challenge, add a "pulse" movement to static holds. In a squat, for instance, hold the position, then very slowly move up and down a tiny amount, still maintaining a low squat. For plank, lower into a partial push-up position and back into plank. 

"You don't have to do it for hours," Lagree said. "Just a few seconds will get your heart rate up."

Don't rely on quick fixes if you do fall out of your healthy habits.

Cleanses aren't sustainable. Shutterstock

The last mistake people make regarding post-holiday fitness is expecting to make huge changes overnight by falling for social media promises or slick marketing campaigns, Lagree said.

"If the promise seems really far-fetched, it probably is," he said. 

He recommended giving yourself the same amount of time to get back in shape as you spent getting out of shape. For instance, if you gain a few pounds during a month of holiday celebrations, a full month of consistent exercise and healthy eating is a realistic goal to burn it off.

If it's been a little longer since you've worked out, like a months or even a few years, expect is to take a proportionately longer amount of time to reach your fitness goals. 

"You want to go slow, do things in moderation, don't try anything weird, so you don't hurt yourself," Lagree said. "There's no magic pill, it's just hard work, discipline, and consistency. The slow and steady approach is best."

Read more:

Halle Berry's trainer reveals 6 exercises you can do at home to sculpt your abs and entire body

The science behind Adele's 'sirtfood' diet and 24 other bizarre celebrity weight-loss plans

People are using everything from bloody Marys to herbal supplements to treat hangovers. Only some of the remedies actually work.

Ariana Grande Recovers After Stage Fall, Shows Off Her Natural Hair Afterward

Ariana Grande Recovers After Stage Fall, Shows Off Her Natural Hair Afterward.

Ariana Grande, Miley Cyrus and Lana Del Rey collaborated on a song together for the new reboot of 'Charlie's Angels.' USA TODAY

If you're going to fall in front of an audience at least make it charming – and preferably with some rhythm.

Ariana Grande was captured on video taking a tumble onstage during a concert in Tampa, Florida, on Sunday.

Grande was walking onstage in thigh high boots when she tripped and lost her balance, landing on her knees. The "7 Rings" artist was caught by a backup dancer who picked her up and placed her safely back on the platform she was walking on and Grande continued on with her performance.

A fan shared the video of the stumble to Twitter and noted how Grande kept it in time with the song.

"SHE FELL ON BEAT I HAVE TEARS," wrote the Twitter user.

Grande responded saying: "oh my. At least i still made the button. I’m crying. Things were going too well."

Early Monday morning, Grande had another surprise for fans: A peek at her natural curls, as seen in her black and white Instagram Story video. "The most hair," she wrote in tiny font.

Grande is back in action just a week after announcing she would be canceling a show at Rupp Arena in Kentucky on Nov. 17 due to illness.

She did so after warning her fans the night before that she was "very sick" with a sinus infection and may be forced to cancel upcoming shows on her world tour. 

"Ariana revealed to fans on social media that she was struggling to get better quickly, but she is simply not well enough to perform tonight," read a tweet from the arena's official account, adding that ticket holders would be refunded. 

Get Rid Of Excessive Hair Fall With These Anti-hair Fall Shampoos.

Hair! Hair everywhere! Does your BAE also complain about the same? Do you also see your hair strands falling here and there, on the couch, on the pillow, stuck in your hairbrush? If the answer to all the above-mentioned questions is a YES then you know you are suffering from hair fall and is an alarming situation for all you women to take necessary precautions to curb your hair loss.

Well, at first, you don’t really need to rush to your dermatologist for a solution. Instead, you can try some of these best anti-hair fall shampoos that claim to work wonders:

Pantene Hair Fall Control Shampoo This shampoo fortifies your hair from root to tip and forestalls tangling, bringing about less hair fall. The recipe is fueled with oils that make your hair thicker and more grounded. Where different items just wash down and feed the external 5% of your hair filaments, this cleanser infiltrates profound into the hair shaft to support the center. It likewise infiltrates the hair follicles to sustain them at the cell level. It gets discernible changes your hair inside two or three washes by fixing harmed fingernail skin and banishing split closures and frizz. Dove Hair Fall Rescue Shampoo In the event that your hair is inclined to harm and breakage, this cleanser is an ideal item for you as it checks dryness and anticipates hair fall all the while. It professes to lessen hair fall by up to 98%. This cleanser is uniquely planned for better hair fall control. It additionally claims to reinforce and sustain delicate strands from root to tip. This everyday shampoo is improved with nutrilock actives that seal the fingernail skin and reinforce limp strands to help limit hair fall because of breakage. It additionally adds body to fine and limp hair. TRESemme Hair Fall Defense Shampoo Tresemme Hair Fall Defense Shampoo strengthens quality into the roots and averts hair fall. It is enhanced with cutting edge powerful fixings and an experimentally established equation to give you longer, more grounded, and sensible hair with each wash. It targets harmed zones and adds strength to make your hair plush, gleaming, and solid. This cleanser guarantees a much-improved adaptation of your hair inside a few washes. Himalaya Anti-Hair Fall Shampoo Himalaya's Anti-Hair Fall Shampoo is a 2-in-1 recipe that diminishes hair fall and supports the hair shafts at the same time. It conditions and improves your hair surface while decreasing breakage and split closures. It controls dryness and keeps your hair fingernail skin solid and sound. The equation is stuffed with herbs like Butea frondosa and bhringraj that animate hair follicles for solid hair development. It fortifies the hair pulls viably for thicker and more grounded hair. L’Oreal Paris Fall Repair 3X Anti-Hair Fall Shampoo This triple activity hair fall treatment shampoo supports the roots, reinforces hair, and recreates its structure. It is detailed with arginine pith that supports the follicles and improves small scale flow in the scalp. It decreases hair fall by up to 90%, invigorates hair development, and reestablishes common hair thickness. This cleanser is fueled with a fall oppose recipe that reinforces the internal center of each strand to avert hair fall. The proteins in this cleanser remake hair fiber top to bottom for thicker and more grounded hair. DISCLAIMER: The Times of India's journalists were not involved in the production of this article.