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Fabric Review 2023
MeetFabric.com is the estate planning arm of Fabric Insurance Agency, which has been offering its services to customers since 2015. It has a Trustpilot Score of 4.8/5 based on over 1,500 online reviews. Fabric offers only one service: free online last will and testaments. Though this company provides a satisfactory product, it has also been accused of using unethical marketing tactics.
Should you really make a will for free? Learn about the pitfall of free wills here.
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Last will and testament
Value for Money:
Updated Jan 31, 2023
Not available via OWM
Pros and cons
The will creation is free
Create wills for you and your partner at the same time
With Fabric.com, you can apply for term life and acidental death insurance and create your will. You can go online from your laptop or desktop or download a mobile app. Term life insurance and accidental death policy are issued by Vantis Life, a life insurance company founded in 1942 and currently rated “A+” for financial strength and claims-paying ability by A.M. Best.
Credibility: Is Fabric legit?
Fabric.com has been on the market for over 5 years now and had enough time to build a strong reputation with its customers. The company is accredited with the Better Business Bureau with an A+ rating, and the Google reviews are very high, 4.7 stars out of 5.
Fabric takes data security and protection very seriously. Their Web APIs and web pages are secured with High Assurance SSL certificates that support encryption algorithms with key lengths up to 256 bits and prohibit any key lengths shorter than 128 bits.
Fabric's cloud infrastructure, where all your documents are stored, employs Multi-Factor Authentication for management operations. All the sensitive information is protected by encryption algorithms.
Fabric applications undergo regular internal source code audits. Internal audits are augmented by regular third-party audits.
High standards and leading practices identified by independent security organizations (e.g., OWASP) are integrated into all Fabric code creation processes. All these measures make Fabric a safe a secure site that you can trust.
Fabric Services and Pricing
MeetFabric.com offers simple Last Will & Testaments for free. However, it does charge for life insurance policies, its staple product.
MeetFabric.com is more than a will creation service. Below, we’ve outlined everything they offer:
Last will and testament
Last Will and Testament
Communicates your last wishes regarding the division of your estate. It also names the guardian of minor children and expresses preferences for their funeral.
Accidental Death and Term Life Insurance
Accidental Death insurance provides protection to those between the ages of 25 to 44. If you die from covered causes, your named beneficiary will receive a lump-sum payment. Term Life insurance protects your loved ones in the event of your passing. Should it occur while the policy is active, the insurer will make a lump sum payment to the beneficiary.
Stores all details of your will, insurance policies, and financial accounts controlled by you and your spouse.
It’s free – Selling life insurance policies is how Fabric makes money. However, their will creation tool is free for anyone to use. This move is a smart one, as it acts as a lead generation machine for their core business. Meanwhile, scores of people get to make a free Last Will & Testament. Everyone wins.
Mirror Will – You can create two free online wills at once with common wishes for your spouse and yourself, without doing twice the work.
Quick and easy – Numerous Fabric will creators praise this company for its easy-to-use platform. In particular, many highlighted how Fabric walked them through the process, step-by-step.
Limited options – Fabric offers a free will creation tool that’s quick and easy. However, that simplicity comes at a cost. If you want to write a will that is even slightly complex, you’ll run into problems. For starters, you can’t make any changes to the template. You can’t name more than one beneficiary. And, if you want to name a non-minor beneficiary in case of the instant death of both parents? Not possible.
Invasive, unethical marketing tactics – Some users report that Fabric sent their named beneficiaries marketing material for life insurance. Always read your terms & conditions carefully!
Will creation tool not tailored to individual states – Rules & regulations governing will creation can vary significantly from state-to-state. Fabric’s will creation tool does not appear to tailor wills to specific states. That’s probably why (at this point, at least) their will creation process is limited in scope.
If you’re looking to make a will, you have over a dozen options to choose from but only a few of these companies offer free documents, just like Fabric. Still, the selection of an online will-making service is not a task you should take lightly, as a will is one of the most important documents you will make in your lifetime. So to help you easily compare different companies and find the best option for you, we’ve assessed all online will-making services according to six key criteria. You can see our assessment of Fabric compared to its competitors below.
Number of Documents Offered
As mentioned above, Fabric is an insurance company first and foremost. As a result, its online estate planning services are very limited and the company offers just one template: a last will and testament. This means that Fabric’s estate planning services are best for people who just need a very basic estate plan that consists of a simple will. The company doesn’t offer trusts, guardianship forms, or other types of estate planning services that Fabric’s competitors have.
You can create a last will and testament using Fabric free of charge, and you do not have to be a Fabric insurance subscriber to do so. This is a great option if you are happy to have a very basic will. Unfortunately, free Fabric wills are likely not adequate for most people because their scope is severely limited. Plus, Fabric doesn’t adjust its estate planning forms to fit the laws of different states. This will maker would most likely be a good fit for you if you are leaving all of your assets to a sole beneficiary with no special requests.
Fabric doesn’t have any money-back guarantees on its wills because the documents are free to create.
Fabric is an insurance company, not a law firm or full-scale online estate planning service. So unsurprisingly, the company doesn’t have any attorneys on staff or in its network to offer legal support to its customers. If you want to consult an attorney about your will, you will need to find an independent specialist, or choose another online estate planning company that provides legal support.
Free Document Update Period
As you know, you don’t need to pay anything to create a last will and testament using the template provided by Fabric. As a result, you can update your will by creating a new document free of charge as many times as you want.
Phone App Availability
Fabric makes it very convenient for users to create wills using a smartphone or tablet, as the company has a dedicated mobile app. This feature is quite rare among online estate planning services, and it can be very convenient for people who don’t have access to a computer.
Ease of Use
The simplicity of Fabric’s will creation tool is one of its biggest selling points. In fact, for reasons already mentioned, it’s probably a bit too simple. That said, if you have an uncomplicated estate, Fabric is a solid, affordable option. Additionally, if you’ve meant to purchase a life insurance policy for some time, Fabric provides convenient, one-stop shopping.
Unique Functions Offered by Fabric
MeetFabric.com offers more than free Last Will & Testaments. Below, we’ll run down additional services they offer:
When it comes to calming sleep-stealing anxiety, getting a life insurance policy stands shoulder-to-shoulder with will creation. This offering is Fabric’s main product – after completing your Last Will & Testament, get a quote for Term Life or Accidental Death Insurance.
This tool keeps your will, life insurance policies, and core financial information in one central place. If something happens to you, your executor will have easy access to this vital information.
More people than ever are using their phone/tablet as their primary web platform. Fabric has an app that makes it easy to manage your will and insurance holdings.
Stay on top of the latest developments in the estate planning and insurance worlds on Fabric’s blog.
Is there a charge for creating a will?
No, the will-making template is free. You only pay if you want to buy life insurance, the main product of MeetFabric.com.
Can I get legal advice from Fabric?
No, Fabric is not a law firm. They do not provide any legal advice. In case you need help with some technical issues, you can contact their customer support from your Fabric account or by email email@example.com
Is Fabric services available in my state?
Life insurance is available in all states (and the District of Columbia) except for Colorado, Massachusetts, Montana, New York, North Dakota, Pennsylvania, Virginia, and Washington. For your will, you will need to check with an attorney if it is legal in your state.
Is it safe to give Fabric my personal information, including SSN?
Some users report that Fabric sent their named beneficiaries marketing material for life insurance. Please read your terms & conditions carefully and uncheck all the unwanted boxes.
Can I create a will outside of the United States?
No, not with Fabric or any other company that offers free wills. You can create an expat will with some reputable online will makers for a fee.
Do you have an uncomplicated estate and want to save money on a will? If so, the will creation tool from MeetFabric.com may work for you. However, the scope of this tool is quite limited, thus, they can’t provide documents that are well-tailored for residents of all 50 states. As such, people who want to leave a detailed, well-written will may want to find another paid or free will provider.