Glass fiber products used to reduce the flammability of mattresses and upholstery are provided. In one embodiment, a veil formed of glass fibers, comfort enhancing fibers, and optionally a combination of synthetic fibers is positioned on the bottom of a mattress to provide fire resistance or prevention. The binder composition used to form the veil may include a binder with a low glass transition temperature and a flame retardant additive. In a second embodiment, a glass veil is utilized in a fire retarding composite formed of an encapsulating layer, a fire retarding veil, and a backing layer. Preferably, all of the fibers in the veil are glass fibers. The fire retarding composite is positioned on the mattress with the encapsulating layer against the cushioning material, the backing layer facing externally, and the veil sandwiched between the encapsulating layer and the backing layer. A fire retarding insulation product is also provided.