Co-op Legal Services occupies a different category from most online will-writers: it is an SRA-regulated law firm. That is a real distinction with real benefits — and a real price. This comparison uses published pricing, checked July 2026.
Where does Co-op Legal Services genuinely win?
- The only major provider that is a fully SRA-regulated solicitor firm — wills are drafted by qualified solicitors, with Legal Ombudsman recourse if something goes wrong.
- Free lifetime storage of the original will.
- The right choice for complex estates: if you need advice — tax planning, trusts, disputes — a law firm is where you should be, full stop.
How do SwiftWill and Co-op compare?
| SwiftWill | Co-op Legal Services | |
|---|---|---|
| Single will | £35 once | £149–£150 |
| Couple / mirror | £55 | £245–£249 |
| Process | Guided interview, about 15 minutes | Online form → follow-up phone call → draft |
| Delivery | Instant — PDF in your inbox in seconds | Days (call plus drafting) |
| Who drafts | Document-preparation software with rules-engine validation; optional £25 solicitor review | SRA-regulated solicitors |
| Recourse | £2m PI insurance, IPW membership, 30-day money-back guarantee | SRA regulation + Legal Ombudsman |
| Updates | Free for life | Per-change charges |
| Upsells | None | Probate and conveyancing cross-sell |
What is the 10-year cost of each option?
Co-op's £150 single will buys solicitor involvement and regulated recourse — a fair price for a complex situation. For a straightforward estate, the legal outcome of a correctly signed will is identical either way, and SwiftWill's 10-year cost is £35 versus £150+ before any per-change charges. The honest summary: complex estate → Co-op or another firm; straightforward estate → SwiftWill.
Prices and terms checked July 2026 from published pricing.