Fabric was founded in 2017 as a modern life insurance company targeting millennials and young families. Gerber Life acquired it in 2020, giving it more credibility and resources. Alongside insurance, Fabric also built a free will maker tool that has become popular among parents who want to cover both financial protection and estate planning. On Reddit, parents often mention stumbling across Fabric while shopping for life insurance and being pleasantly surprised that they can also create a will at the same time.
How Fabric Will Maker Works
The willmaker tool is refreshingly simple. You create an account, answer basic questions about family, assets, and guardianship, and the platform generates a state-specific will you can download. The interface is mobile-first and feels more like a modern fintech app than traditional legal software. One Redditor said, “I literally made my will on my phone while waiting at soccer practice,” which captures how easy it is. The trade-off is that it’s designed for speed, not complexity. If your estate is more than straightforward, you’ll quickly hit the limits.
Strengths and Weaknesses
The strength lies in accessibility: it’s free, mobile-friendly, and perfect for parents who want to cover the basics. The weakness lies in scope: there are no advanced documents, no attorney support, and no coverage for complex estates. It’s a great starter, but most families will eventually outgrow it.
Costs and Fees
The willmaker is free, making it one of the most budget-friendly options, alongside FreeWill. Fabric monetizes primarily through life insurance policies, not the willmaker itself. That said, some users find the insurance upsells a bit pushy. As one parent put it: “The will was free, but I definitely got five emails reminding me about term life.” Still, there are no hidden fees for the will itself, and you don’t need to buy insurance to use the tool.
Product Options
Fabric’s estate planning tools are limited compared to larger platforms:
- Last Will & Testament
- Guardianship designations
- Life insurance integration
It doesn’t offer trusts, powers of attorney, or healthcare directives. The strength here is simplicity: Fabric focuses on the essentials young families need most. If you’re looking for a full suite of estate documents, you’ll need another provider.
Customer Experience
Reviews are overwhelmingly positive for what Fabric promises, a free, quick, and easy will. Many parents on Reddit say they used it “just to finally have something in writing,” especially for guardianship of children. One common sentiment is that Fabric lowers the mental barrier: “I’d been putting off writing a will for years. Fabric made me actually do it in 15 minutes.” Complaints are mainly about the limited scope and the life insurance marketing, though people generally accept that trade-off since the will is free.
Compare Fabric Wills
Compared to FreeWill, Fabric is even more streamlined and directly tied to life insurance, making it particularly convenient for young families. Against Trust & Will, it’s less comprehensive but wins on cost. Compared to Quicken or Rocket Lawyer, it feels far more modern, but offers fewer documents.
Our Rating
We compared Fabric to the best online will makers. Here’s how it ranked:
- Customer Experience: 8.5 / 10
- Costs & Fees: 10 / 10
- Product Options: 6.0 / 10
- Ease of Process: 9.0 / 10
- Overall Score: 8.4 / 10
AssistedKin’s Top Will Maker Services
| Company | Recommended For | Price | Key Features | Editor's Rating | Next Steps |
|---|---|---|---|---|---|
| Quicken WillMaker | Best Value for Complete Estate Planning | $109+ | Wills, trusts, POA, healthcare directives, final arrangements | 8.3 | Get Started → |
| Ethos | Best for Bundling with Life Insurance | $149+ | Bundles life insurance with simple will tools | 8.2 | Get Started → |
| Trust & Will | Best Budget Option | $39+ | Wills, trusts, healthcare directives, guardianship, attorney add-ons | 8.5 | Get Started → |
| LegalShield | Best for Ongoing Legal Guidance | $29.95 a month+ | Access to attorneys, membership perks | 7.4 | Get Started → |
| LegalZoom | Best Estate Planning with Attorney Access | $149+ | Wills, trusts, POA, healthcare directives, optional attorney review | 7.8 | Get Started → |
Final Thoughts
Fabric by Gerber Life is ideal for young parents or couples who require a straightforward will and guardianship designations, and who may also be seeking life insurance. It’s not a comprehensive estate planning solution, but as a free and easy first step, it’s one of the most approachable tools available.
Frequently Asked Questions
Answers to common questions about Fabric by Gerber Life’s will maker.
Yes. Fabric’s willmaker is free to use, and you don’t need to buy life insurance to access it.
Fabric focuses on last wills and guardianship designations. It does not include trusts, healthcare directives, or powers of attorney.
The fabric is designed for young families, especially parents who need to set up guardianship for their children quickly and affordably.
No, Fabric does not provide legal advice or attorney review. It’s a DIY tool for basic wills.
Not really. It’s a good first step, but families with complex estates or broader needs will likely need additional tools or attorney guidance.
