Trust and Will is an online estate planning platform founded in 2017 in San Diego, California. The service lets individuals and couples create legally valid wills, trusts, powers of attorney, and healthcare directives entirely from home, without hiring a private attorney or scheduling a single office visit.
Trust and Will generates state-specific documents through a guided questionnaire and delivers them by download or mail. The platform holds a 4.5 out of 5 rating on Trustpilot from nearly 6,000 reviews. Plans include a will, trust, healthcare directive, and power of attorney. Pricing starts at $199 for an individual will and $499 for an individual trust.
The platform earns high marks for ease of use, document completeness, and responsive customer support. This review covers how Trust and Will works, what it costs, how it compares to LegalZoom and FreeWill, and whether it delivers enough value for most estate planning needs in 2026.
What Is Trust and Will?
Trust and Will is an online estate planning platform founded in 2017 and headquartered in San Diego, California. The service lets individuals and couples create legally valid wills, trusts, powers of attorney, and healthcare directives entirely online without visiting a law office.
Here’s the thing: the platform runs on a guided questionnaire. Users answer prompts about their assets, beneficiaries, and family situation. Trust and Will then generates customized documents based on state-specific requirements. Documents can be downloaded immediately or shipped in a printed package.
Trust and Will focuses exclusively on estate planning. The company doesn’t branch into general legal services. That focus means the platform covers the core documents most families need: wills, living trusts, healthcare directives, HIPAA authorizations, and financial powers of attorney.
Who Is Trust and Will Designed For?
Trust and Will is designed for individuals and couples who want affordable estate planning without hiring a private attorney. The platform works well for straightforward estates without complex tax structures or multi-state real estate portfolios.
Seniors, young parents, and first-time estate planners make up the largest user groups. The interface uses plain English throughout. Legal jargon is minimized, making the process accessible to people with no prior estate planning experience.
That said, users with highly complex estates, blended families with competing beneficiary claims, or significant business ownership may need a dedicated estate attorney. Trust and Will recommends attorney consultation for those situations and offers an add-on attorney support package for an additional fee.
What Documents Does Trust and Will Provide?
Trust and Will provides wills, living trusts, powers of attorney, HIPAA authorizations, living wills, and guardianship documents as part of its core plans. All documents are state-specific and attorney-approved.
The Will Plan includes a last will and testament, a living will (advance healthcare directive), a financial power of attorney, and a HIPAA authorization form. Both individual and joint versions are available for couples.
Documents Included by Plan:
| Document | Will Plan | Trust Plan |
|---|---|---|
| Last will and testament | Yes | Yes (pour-over will) |
| Revocable living trust | No | Yes |
| Financial power of attorney | Yes | Yes |
| Healthcare directive | Yes | Yes |
| HIPAA authorization | Yes | Yes |
| Certificate of trust | No | Yes |
How Does Trust and Will Work?
Trust and Will works through a step-by-step online questionnaire that collects information about the user’s assets, family structure, and wishes. Once the questionnaire is complete, the platform generates personalized documents automatically.
The process begins with account creation and plan selection. Users choose either a Will Plan, a Trust Plan, or a Guardian Plan depending on their needs. After purchase, the guided questionnaire walks through each required document section by section.
Completed documents can be downloaded as PDFs or shipped in a printed package at no extra delivery charge. And here’s the best part: Trust and Will saves user responses throughout, so the process can be paused and resumed. Documents remain accessible in the user’s account for future updates.
Is Trust and Will Easy to Use?
Yes. Trust and Will uses plain-language prompts, a modern browser-based interface, and no required software downloads. The platform is widely praised for its simplicity in independent reviews.
The interface guides users through each decision with context-sensitive explanations. If a user isn’t sure what an executor does, the platform provides a brief explanation before asking for a name. This reduces errors and eliminates most of the confusion that stops people from completing DIY estate plans.
Users report that the overall design feels intuitive. Navigation is linear, meaning each screen appears in a logical sequence. That structure prevents users from getting lost or skipping sections that matter for legal validity.
How Long Does It Take to Complete a Plan?
Trust and Will states that some users complete their estate plan in as little as 30 minutes. More complex plans with multiple assets, beneficiaries, or trust funding instructions typically take one to two hours.
The platform saves progress automatically. Users who need to gather documents, account numbers, or beneficiary details can pause and return without losing work. Most users complete their plan across one or two sessions rather than in a single sitting.
After document generation, users still need to sign, witness, and notarize the documents to make them legally binding. Trust and Will provides state-specific execution instructions with every plan. Notarization timelines depend on the user’s location and access to a notary.
Steps to Complete a Trust and Will Plan:
- Choose a plan (Will, Trust, or Guardian) and create an account.
- Complete the guided online questionnaire covering assets, beneficiaries, and wishes.
- Review the generated documents inside the platform dashboard.
- Download PDFs or request printed document delivery by mail.
- Sign, witness, and notarize documents using the included state-specific instructions.
What Are the Benefits of Trust and Will?
Trust and Will offers significant cost savings compared to traditional attorney fees, a fast turnaround, state-specific document customization, and the ability to update documents any time after purchase.
The platform is available 24 hours a day. Users in any of the 50 U.S. states and Washington, D.C. can create a will. Trusts are available in all states except Louisiana due to Louisiana’s unique civil law system.
In fact, all plans include a healthcare directive and power of attorney at no additional cost. Those documents typically require separate appointments and fees at a traditional law office. Bundling them into one plan increases the value considerably.
Key Benefits:
- Significantly lower cost than hiring a private estate planning attorney
- All documents completed from home without office appointments
- State-specific customization built into every plan
- Healthcare directive and power of attorney included at no extra charge
- Documents accessible and updatable from any device
- Customer support available seven days a week
Does Trust and Will Actually Replace a Lawyer?
No. Trust and Will does not replace a licensed estate planning attorney for complex situations, but it handles the majority of straightforward estate planning needs effectively.
To be clear: the company is transparent about this distinction. Trust and Will is an online service that provides legal forms and information. The platform doesn’t provide legal advice and is not a law firm. For general guidance, the platform includes extensive educational resources in its Learn Center.
The good news? Users who want professional legal oversight can purchase attorney access. For $299 flat or $200 per year, a licensed estate planning attorney will review the completed documents, answer legal questions, and advise on estate tax issues. This option is available in most U.S. states.
Does Trust and Will Offer State-Specific Documents?
Yes. Trust and Will generates documents customized to the laws of each individual U.S. state. This is one of the platform’s key advantages over generic DIY legal form services.
Here’s why that matters: state laws govern witness requirements, notarization rules, and specific trust language. A will that is valid in California may not meet the execution requirements in Texas. Trust and Will adjusts the document language and the accompanying signing instructions based on the user’s state of residence.
When users download or receive their documents, the package includes a state-specific instruction guide explaining exactly how to sign and execute the paperwork. This reduces the risk of an invalidated document due to a missed procedural step.
What Do Trust and Will Reviews Say?
Trust and Will holds a 4.5 out of 5 rating on Trustpilot based on 5,796 verified reviews as of mid-2026. Reviewers consistently highlight ease of use, responsive customer support, and the straightforward document creation process.
Independent review sites including CNBC Select and SeniorLiving.org rate the service between 4.5 and 4.8 out of 5. Reviewers on multiple platforms describe the platform as senior-friendly, noting that the plain-language prompts and clean interface reduce anxiety around a difficult topic.
Bottom line: an attorney-led independent review noted that Trust and Will delivers on its promise of easy estate plan creation and useful document storage. The same review flagged that certain boilerplate clauses in the generated documents may not address every user’s specific family circumstances.
What Do Customers Praise About Trust and Will?
Customers praise Trust and Will most frequently for the ease and speed of the process, the quality of customer support staff, and the ability to access and update documents on mobile devices.
Support staff are described repeatedly as patient, knowledgeable, and professional. Multiple verified Trustpilot reviews name specific customer service representatives by first name and cite personalized help through the document process. Response times are described as fast across both phone and chat channels.
And here is the kicker: users with no prior estate planning experience report completing their full plan without outside help. The ability to see document drafts in real time and make changes before downloading is cited as a standout feature compared to working with an attorney on a time-billed basis.
Pros:
- User-friendly interface praised across independent review platforms
- Customer support staff rated highly for knowledge and patience
- Mobile-friendly document access and editing
- Fast completion time (30 minutes to 2 hours)
- Free document updates included with membership
What Are the Most Common Complaints?
The most common complaints about Trust and Will involve difficulty reaching customer support by phone during peak hours and the annual membership fee required to keep documents updatable.
Some users report frustration with the website’s navigation when trying to return to a previously completed section to make changes. A small number of reviewers note that the questionnaire lacks input fields for highly specific scenarios, such as conditional inheritances or complex blended family structures.
Our team at Coffee Loving reviewed this feedback carefully. One independent attorney reviewer noted that some of Trust and Will’s boilerplate document language contains ambiguities that might require court interpretation in contested estates. For estates with potential disputes among beneficiaries, professional attorney drafting provides an additional layer of protection.
Cons:
- Annual membership fee of $49 required for free document updates
- Phone support difficult to reach during high-volume hours
- Limited fields for complex blended family or conditional inheritance scenarios
- Trusts not available in Louisiana
- Attorney support is an additional cost on top of base plan pricing
How Much Does Trust and Will Cost?
Trust and Will charges $199 for an individual will plan, $299 for a joint will plan, $499 for an individual trust plan, and $599 for a joint trust plan. An optional annual membership costs $49 per year.
The $49 annual membership provides free document updates, which are otherwise sold separately. Users who expect to update beneficiaries, add assets, or revise their plan over time benefit most from the membership. One-time purchasers can update documents for a flat fee without the membership.
Attorney support is available as an add-on. A flat $299 fee provides access to a licensed estate planning attorney for document review and legal consultation. A $200 per year package covers unlimited attorney access for ongoing plan questions. These rates are separate from the base plan cost.
Trust and Will Pricing:
| Plan | Individual | Joint (Couple) |
|---|---|---|
| Will Plan | $199 | $299 |
| Trust Plan | $499 | $599 |
| Annual Membership | $49/year | $49/year |
| Attorney Support (flat) | $299 | $299 |
| Attorney Support (annual) | $200/year | $200/year |
Is Trust and Will Cheaper Than Hiring an Attorney?
Yes. Trust and Will is significantly less expensive than hiring a private estate planning attorney, who typically charges between $1,000 and $3,500 for a basic will and trust package.
Think of it this way: a Trust and Will joint trust plan at $599 compares to attorney fees that often exceed $2,000 for equivalent documents. Even with the $299 attorney add-on, the total cost remains well below what most private attorneys charge for similar work. The savings are most pronounced in states with high attorney hourly rates.
The cost comparison changes for very complex estates. Does that mean the platform is right for everyone? Not quite. An attorney drafts custom language for unique family situations, multi-state property, business succession, and irrevocable trust structures. For those scenarios, attorney fees reflect additional time and expertise that a template-based platform can’t replicate.
Trust and Will vs. LegalZoom: Which Is Better?
Trust and Will is the stronger choice for users who want an estate-planning-only platform with bundled healthcare documents and a cleaner user experience. LegalZoom covers a broader range of legal services but charges more for comparable estate planning work.
LegalZoom offers wills, trusts, powers of attorney, and business legal services in a single platform. Its estate planning products are more expensive than Trust and Will at comparable tiers. LegalZoom’s base will plan starts higher than Trust and Will’s $199 individual will price point.
By comparison, Trust and Will’s exclusive focus on estate planning means the interface is purpose-built for that task. Customer support staff specialize in estate planning questions. LegalZoom support covers a wider range of legal topics, which can mean less specialized guidance for estate-specific concerns.
Trust and Will vs. LegalZoom vs. FreeWill:
| Feature | Trust and Will | LegalZoom | FreeWill |
|---|---|---|---|
| Individual will price | $199 | Higher | Free |
| State-specific documents | Yes | Yes | Limited |
| Healthcare directive included | Yes | Add-on | Yes |
| Attorney support available | Yes | Yes | No |
| Document shipping | Yes, free | Yes | No |
| Estate planning focus only | Yes | No | Yes |
Does Trust and Will Offer Better Estate Planning Features?
Yes. Trust and Will includes power of attorney, healthcare directive, and HIPAA authorization in every plan at no extra charge, which many competitors sell as separate add-on documents.
FreeWill offers a free basic will with limited customization. Is that enough for most people? Probably not. Trust and Will’s paid plans include state-specific customization, document shipping, attorney access options, and member support that FreeWill doesn’t match. For users who want a complete suite of documents, Trust and Will provides more value per plan.
Empathy is a competitor that focuses on estate settlement support after a death. Trust and Will focuses on proactive estate creation. The two platforms serve different stages of the estate planning lifecycle and are not direct alternatives for most users.
Is Trust and Will Legit?
Yes. Trust and Will is a legitimate, attorney-backed estate planning platform that has served customers across all 50 U.S. states since its founding in 2017.
The company has been featured in major publications including CNBC Select, Forbes, and NerdWallet. Its Trustpilot score of 4.5 from nearly 6,000 reviews reflects consistent customer satisfaction over multiple years of operation. The Better Business Bureau lists Trust and Will as an accredited business in good standing.
What’s more, all documents generated by the platform are reviewed and approved by licensed attorneys. The company doesn’t provide legal advice directly, but document templates are built to comply with each state’s specific legal requirements for wills and trusts.
Is Trust and Will Secure?
Yes. Trust and Will uses bank-level encryption to protect all personal and financial information submitted through the platform. The company states that it does not sell or share user information without explicit consent.
The platform stores completed documents in a secure online account accessible only to the user. Users can share document access with a trusted family member or attorney through the platform’s secure sharing feature. This ensures that executors and trustees can locate documents when needed.
Pay attention to this: sensitive information including Social Security numbers, asset account numbers, and beneficiary details are transmitted over encrypted connections. The platform’s security standards are consistent with those used by major financial institutions for online account management.
Is Trust and Will Worth It?
Trust and Will is worth it for most individuals and couples who need a straightforward, affordable estate plan without the cost and inconvenience of hiring a private attorney.
The platform earns high marks for ease of use, document completeness, state-specific customization, and responsive customer support. So, is it right for everyone? Not for highly complex estates. But users who need a will, trust, healthcare directive, and power of attorney can get all four documents in a single plan for a fraction of traditional attorney fees.
Our writers at Coffee Loving Cardmakers found that the annual membership adds real value for users who expect to update their plan as their family or financial situation changes. Users with simple estates and no expectation of frequent updates can purchase a one-time plan and update documents individually if needed. For complex estates with unique legal requirements, a private estate planning attorney remains the stronger option.
