Yes, most services have a “death process” that typically involves the next of kin sending the death certificate and some type of document confirming they are in charge of the deceased’s estate. They might then set you up with your own login, or send you paper copies of all the info you need to an email account or mailing address.

All of our family pictures and videos are in a place that only I have the password to. If anyone wants anything, they come to me. That is another password I would want passed on. I also pay all the bills. My wife would need access to all of the utility accounts, the mortgage payment account, the credit card accounts, the insurance accounts, the retirement fund accounts, etc. There is way more than just banking.

But those are things that are worth solving _now_, not just once you die.

I used to think that, but then reality struck.

For the financial companies, the process varied greatly by company. Some were OK, others were terrible, some flat out didn't work. The bottom line is that this isn't a super common business flow for them and its not something they make money on, so it gets very little attention. When you actually need to go through it you realize its a very difficult process.

Oh and it always takes a LONG time, even with the better companies. Easily months to get everything fully done.