What Happens When Your Family Doesn't Know?

Explore our library of guides, articles, and FAQs to learn everything about digital inheritance, secure vaults, and how to make the most of SafeHerit.

Quick Reference

Short answers to the questions families ask most often.

Banks typically freeze the account upon notification of death. Access requires a death certificate and, in most cases, probate court authorization. Joint accounts with rights of survivorship may be accessible immediately to the surviving holder.

Most platforms have policies for deceased users, but they require proof of death and legal authority. Without passwords or recovery methods, families often cannot access accounts at all. Two-factor authentication makes this especially difficult.

When financial accounts remain inactive for three to five years (varies by state), institutions are legally required to transfer the funds to the state. This process is called escheatment. The assets are not gone, but recovering them requires navigating state unclaimed property offices.

It depends on account type and legal structure. Joint accounts: days. Accounts with named beneficiaries: weeks. Accounts requiring probate: months to over a year. Digital accounts without shared access: potentially never.

Cryptocurrency in self-custody wallets is controlled entirely by the private keys. If those keys are lost or inaccessible, the crypto is permanently unrecoverable. There is no customer service to call. Exchange-held crypto may be recoverable through the exchange’s deceased account process.

A will grants legal authority to distribute assets. But it does not provide the practical information needed to find or access them: passwords, account locations, two-factor authentication codes, or even knowledge that an account exists. Legal authority and practical access are two different things.

Guides for Your Situation

Practical checklists tailored to your specific circumstances. Free to download.

For Families

You manage the household finances. You know where everything is. Does your family?

Family Access Plan

For Crypto Holders

Self-custody means you control your keys. That same security can become a barrier for your heirs.

Crypto Inheritance Guide

For Business Owners

You are the single point of access for critical systems. Can your team operate without you?

Business Continuity Checklist

For Expats

Your assets, family, or legal residence span multiple countries. Complexity multiplies.

Cross-Border Estate Planning 

For Parents of Young Children

If something happens to you, who knows where your children should go and what they need?

A Guide for Parents

For Privacy-Focused Households

You value privacy now. How do you share critical information without exposing it while you are alive?

Private Instruction Sharing

I downloaded the Family Access Plan and realized I had 23 accounts my wife knew nothing about. Setting up SafeHerit that same evening was one of the most productive hours I have spent in a while.

Michael T., Small Business Owner

Start Documenting Today

Reading about the problem is the first step. Solving it takes less time than you think. Most users complete initial setup in under 10 minutes.

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