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Planning Ahead: Record Accounts & Subscriptions – Without Passwords
In brief: The greatest gift you can give your loved ones is a clear overview: which accounts, insurance policies, and subscriptions exist – so that money isn't silently debited after your death and nobody has to search. You don't need to record any passwords, just the "what goes where".
Why this matters so much
After a death, direct debits often continue running for months – subscriptions, insurance policies, memberships. Next of kin notice them late, because they simply didn't know they existed. A prepared overview prevents exactly that and spares your loved ones an enormous burden at an already difficult time.
What you should list
Finances
- Bank accounts (current, savings) and which bank
- Brokerage and investment accounts, and any crypto holdings
- Standing orders and direct debits
- Loans, instalment payments, leasing
Insurance & retirement provision
- Life, accident, and burial insurance (including named beneficiaries)
- Pension and retirement savings contracts
- Important property and liability insurance
Contracts & subscriptions
- Electricity, gas, water, phone/internet
- Streaming, software, cloud storage
- Memberships, newspapers, clubs
Personal
- Where important documents are kept (folder, safe, safe deposit box)
- Key contacts (tax adviser, property management)
- Personal messages for your loved ones
The rule of thumb: "that" and "where", never the password
You record that an account exists and where to start – not the login details. This is safe, causes no anxiety, and is completely sufficient: next of kin handle access through the service providers in a legally sound way.
Keep it up to date – or the list goes stale
An overview that's two years old is only half as useful. Plan to review it regularly. Angel Reminder reminds you automatically and delivers your overview to your trusted contacts when it matters.
Organise today what eases the burden later
Create your first overview in minutes – free, without passwords.