Fabric by Gerber Life Review: Free, But Basic (71/100)
Last Updated: January 9, 2025
Fabric offers a 100% free will with 5-minute completion, but the generic template and zero customer support make it best for extremely simple estates only. Ranked #9 with 71/100.
Quick Verdict
Best For: Parents wanting free will + family financial tools (529, savings, insurance) in one app
Skip If: You need state-specific will, customer support, or anything beyond basic beneficiary designation
Bottom Line: Fabric's free will is the FASTEST (5 min) but also the MOST BASIC. It's a lead-generation tool for Gerber Life insurance (their real business). Use it if you just need barebones beneficiary designation while exploring life insurance, but serious estate planning requires better services.
Overall Rating: 71/100
| Category | Score | Notes | |----------|-------|-------| | User Experience | 20/25 (80%) | Fast 5-min completion, but generic | | Legal Compliance | 19/25 (76%) | Generic template, must verify state laws | | Features | 16/20 (80%) | Family tools (529, insurance) unique | | Pricing | 15/15 (100%) | FREE | | Customer Support | 1/15 (7%) | ZERO support (WORST) | | Total | 71/100 | Free, but basic |
What We Love ✅
1. 100% FREE + Fast (5 Minutes) ⚡
- Fastest will creation: 5 minutes
- No credit card, no hidden fees
- Simple questions (name, beneficiaries, guardian)
2. Family Planning Tools 👨👩👧
Unique features:
- 529 college savings plan
- High-yield savings account
- Life insurance shopping
- Couples can sync finances
Example: Parents create will (5 min) → Set up 529 for kids' college (10 min) → Shop life insurance (15 min) → All in one app
3. Backed by Gerber Life (50+ Years) 🏦
- Gerber Life = trusted since 1967
- Partnered with Fabric in 2022
- Financial stability (millions of customers)
What Could Be Better ❌
1. Generic Template (NOT State-Specific) 🚫
Major problem:
- Same template for all 50 states
- YOU must verify state compliance
- No state-specific clauses
Example: Florida requires 2 witnesses, California allows notarization OR witnesses. Fabric's generic template says "check your state laws" — puts burden on you.
Comparison:
- Trust & Will: State-specific for 50 states ⭐
- Willing: State-specific for 50 states ⭐
- Fabric: Generic template ❌
Verdict: Fabric's will may NOT be legally valid if you don't verify state requirements yourself.
2. ZERO Customer Support 📵
The problem:
- No email support
- No phone support
- No chat support
- No FAQ/help articles
If you have questions? → You're on your own.
Comparison:
- LegalZoom: Phone + email + chat ⭐
- FreeWill: Email (5-7 days)
- Fabric: NO support whatsoever ❌ (WORST in industry)
3. Life Insurance Upsells 💼
Business model:
- Fabric's real business = life insurance sales
- Free will = lead generation tool
- Expect insurance quotes after creating will
Not necessarily bad: Life insurance is smart for parents. But be aware free will is a marketing funnel.
Pricing: 15/15 ⭐ (100%)
Price: $0 (FREE forever)
Catch: Generic template, zero support
Who Should Choose Fabric?
✅ BEST FOR:
- Extremely Simple Estates 🏠 — One beneficiary, no complications
- Parents Shopping Life Insurance 💼 — Want will + insurance in one app
- 529 College Savings 🎓 — Want to set up kids' college fund
❌ SKIP IF:
- Need State-Specific Will — Fabric's template is generic
- Want Customer Support — Zero support available
- Have Complex Estate — No trust, no POA, basic only
- Don't Want Insurance Upsells — Fabric's business model
Final Verdict: 71/100 — Free, But Too Basic
Fabric's free will is FAST (5 min) but TOO BASIC for serious estate planning. The generic template and zero support are major red flags. Use it for quick beneficiary designation while shopping life insurance, but choose better service (FreeWill $0, Willing $69) for real estate planning.
Choose Fabric if: Need 5-min will + shopping insurance Choose FreeWill if: Want free + better support Choose Willing if: Want professional will ($69)
Disclosure: Fabric is 100% free.
Ready to try Fabric by Gerber Life?
Rated 71/100 - Family Planning
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