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MeetFabric.com, the will creation arm of Fabric Insurance Agency, has been offering its services since 2015. Despite its short existence, Fabric has a good reputation, as it boasts a Trust Score of 4.8/5, which over 1,500 reviews have bolstered.
Fabric styles itself as the family-friendly will option. But, are they right for your family? By examining their service offerings, strengths & weaknesses, and more, we’ll get a fuller picture of MeetFabric.com.
Should you really make a will for free? Learn about the pitfall of free wills here.
Last will and testament
Value for Money:
Updated Apr 17, 2022
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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.
Please see some prominent Fabric competitors below. Like many of them, Fabric works in all states. However, it does not charge any fees for creating an online will. Unlike Rocket Lawyer, it does not offer attorney support, and of course, there is no money-back guarantee and no free trial because there are no fees in the first place.
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? If so, MeetFabric.com’s legit will creation tool may work for you. However, to cover all 50 states, the scope of this tool is quite limited. As such, those wanting to write detailed provisions may want to find another free will provider.