Ratgeber

Ratgeber für das, was Familien klären müssen

Wie man das Wichtige ordnet – geschrieben für Menschen, die das zum ersten Mal tun.

Kostenlos zu lesen, frei zu teilen. Für keinen davon brauchen Sie ein Konto.

Digital legacy (6)Emergency planning (1)Family preparedness (6)Getting started (4)Inheritance planning (10)Security (6)Unclaimed money (3)

Wenn jemand verstorben ist

Die Ansprüche, mit denen indische Familien zuerst zu tun haben – in der Reihenfolge, in der Institute sie üblicherweise verlangen.

Inheritance planning

How to Claim a Bank Account After a Death in India: Full Process

The documents each bank asks for, what changes when a nomination exists, what happens for a joint account, and how long a transmission claim realistically takes.

Inheritance planning

Succession Certificate in India: When You Need One and How to Get It

Which court to approach, what it costs, how long it realistically takes, and when a legal heir certificate or a nomination would have been enough instead.

Family preparedness

How to Claim EPF After a Death in India: Forms 20, 10D and 5IF

Which EPFO form applies to which benefit, who is entitled to file each one, how a nomination changes the route, and what happens when no nomination exists.

Inheritance planning

Mutual Fund and Demat Transmission in India: How Units Move

How units and shares pass to a nominee or legal heir, what each registrar and depository asks for, and the thresholds that decide whether you need extra documents.

Inheritance planning

How to Make a Life Insurance Claim in India Without Delay

The documents an insurer needs, the IRDAI timelines they must work within, the reasons claims get queried, and what to do when an insurer asks for more.

Family preparedness

The First 48 Hours: What a Family Actually Needs to Find

The short list that matters in the first two days, what can safely wait a week, and the documents to order several certified copies of before anything else.

Die eigenen Angelegenheiten ordnen

Die Arbeit, die jetzt einen Abend kostet und einer Familie später Monate erspart.

Family preparedness

How to Change a Nominee on a Bank Account in India, Step by Step

The form each bank uses, what to carry to the branch, how to do it in net banking where that is offered, and why a nomination is not the same as a will.

Inheritance planning

How to Write a Will in India: Validity, Witnesses and Registration

What makes a will valid in India, whether registration is required, how many witnesses you need and who they must not be, and the mistakes that cause disputes later.

Family preparedness

Nominee vs Legal Heir in India: The Difference That Causes Disputes

A nominee receives; a legal heir owns. Where that distinction bites for banks, demat and mutual funds, the one insurance exception, and how to avoid a family dispute.

Inheritance planning

Property Inheritance in India: How Title Actually Transfers

Mutation, succession certificate and probate, and which one you actually need. The order to do them in, what each costs, and where families most often get stuck.

Getting started

What to Put in a Digital Vault First: The Ten Records That Matter

The ten records that cover most of what a family cannot reconstruct. Salary account, fixed deposits, term policy, demat, PF, locker, crypto, PAN, loans and who to call.

Family preparedness

Why a Will Does Not Cover Your Digital Life, and What Does

A will decides who inherits. It does not say what exists, where it is, or how to reach it, and probate makes it a public document. What fills that gap instead.

Why Strong Security Makes Inheritance Hard, and How to Solve It

The design that keeps an attacker out keeps your heirs out too. Why that tension is real, and how splitting a secret across people resolves it without weakening anything.

Für NRIs und grenzüberschreitende Familien

Was sich ändert, wenn das Vermögen in einem Land liegt und die Erben in einem anderen leben.

Inheritance planning

NRI Inheritance in India: Repatriation, FEMA and the Documents

Repatriation limits, FEMA rules and tax treatment, plus the documents an Indian bank, registrar or insurer will ask an NRI or their nominee abroad to produce.

Who Owns Your Data After You Die: Terms, Law and the Gap Between

Terms of service say one thing, succession law says another, and the gap is where families get stuck. What DPDP changes in India, and what it still does not.

Family preparedness

The Global Estate Planning Gap: What the Surveys Actually Show

84.8% of Indians have no will, and the comparable figures elsewhere are not much better. What the surveys measure, what they miss, and what they have in common.

Digitale Konten und Krypto

Die Kategorie, die Familien am vollständigsten verlieren, weil es keine Institution gibt, an die man schreiben kann.

What Happens to Your Accounts When You Die: The Real Policies

Apple, Google, Meta, Indian banks and crypto exchanges each have a written policy. What every one of them actually does, side by side, and what a family must supply.

How to Leave Cryptocurrency Your Family Can Actually Recover

Three routes for crypto inheritance: seed phrases, hardware wallets and exchange accounts. What fails in each, and how to split a secret without handing it over.

A Password Manager's Emergency Access Is Not an Inheritance Plan

Emergency access opens a vault after a delay. It never explains what matters, never reaches what the vault does not hold, and was never built for a grieving family.

Keeping Family Photos From Dying With a Locked Account

Family photos live inside accounts nobody else can open. What each cloud service allows, how to export properly, and where to keep a copy that outlives a login.

When the Only Keyholder Dies: The QuadrigaCX Custody Lesson

A founder died holding the only keys and C$190 million froze. What the regulator later found, and why the real lesson is about custody design, not about crypto.

What to Do With Digital Accounts After a Death, Platform by Platform

Memorialise, close or transfer. What Apple, Google, Meta, Microsoft and the major Indian services each allow a family to do, and the proof each one demands.

What Researchers Know About Your Digital Afterlife So Far

The academic work on posthumous data: how much of it exists, who ends up managing it, and what the findings suggest about planning while you still can.

Geld, das niemand beansprucht

Zehntausende Crore liegen bei indischen Banken und Versicherern – fast nie wegen Betrugs.

Unclaimed money

Unclaimed Money in India: Where It Goes and Who Holds It Now

₹86,917 crore with the RBI and ₹20,062 crore with insurers. The four separate bodies holding unclaimed money in India, and the official portal for each one.

Unclaimed money

The Life Insurance Money Indian Families Never Claim

₹20,062 crore sat unclaimed with life insurers at the end of FY24. Why policies go unclaimed, how to search each insurer's own register, and what a claim needs.

Unclaimed money

Unclaimed Money Around the World: Where It Piles Up, and Why

Roughly $162 billion across twelve countries, and the structural reasons it accumulates. Which systems return money well, which forfeit it, and what that means.

LifeWyn nutzen

Wie das Produkt selbst funktioniert, geschrieben wie alles andere hier.

Getting started

How to Set Up Your Digital Vault: The First Hour, Step by Step

Your first hour in LifeWyn. Setting a passphrase, saving recovery shares before anything else, and the ten records that close most of the gap for a family.

How to Recover Access to Your Vault When You Are Locked Out

The real routes back in: a recovery phrase, trusted contacts holding shares, and device re-enrolment. Also the honest limit, which is losing both at once.

How Your Master Key Works: Zero-Knowledge Explained Without Jargon

What your master key actually is, why it never reaches our servers, what we can and cannot see because of that, and what it means when we say we cannot help.

Inheritance planning

How to Create Inheritance Rules: Who Gets What, and Exactly When

Assigning each record to a person and a backup, setting the waiting period, and choosing what evidence has to arrive before anything opens for anyone.

Emergency planning

Emergency Access: What Unlocks, When, and What Stays Sealed

The disclosure scope for a medical emergency against a verified death. What opens at each stage, what never opens, and how an emergency view closes again.

Inheritance planning

How Your Nominees Claim: The Whole Sequence, Stage by Stage

What a nominee is told, what they have to prove, how the portal works without an account, and roughly how long each stage takes from first notice to final claim.

Getting started

How to Set Up Life Signals: Check-Ins, Windows and Escalation

Choosing a check-in rhythm that fits your life, setting each escalation window, and deciding who is asked to confirm and when, so a holiday never looks like a death.

Inheritance planning

How to Give a CA, Lawyer or Adviser Scoped Access to Your Vault

Letting a professional see only the records that concern them, with an expiry date, a full log of what they opened, and the ability to revoke access at any moment.

Getting started

Why a Good Inactivity Check-In Is Deliberately Slow, Not Fast

A fast trigger is a dangerous trigger. The windows that stop a holiday or a hospital stay looking like a death, and why every gate here fails closed rather than open.

How to Choose Trusted Contacts for Recovery Without Risk

How to pick the people who can help you back into your own account, why more than one matters, and exactly what each of them can and cannot see along the way.

Fragen zu diesen Ratgebern

Brauche ich ein LifeWyn-Konto, um diese Ratgeber zu lesen?

Nein. Jeder Ratgeber hier ist kostenlos zu lesen und frei zu teilen – ohne Konto, ohne E-Mail und ohne Bezahlschranke. Drucken Sie sie aus, schicken Sie sie einem Elternteil, das keine App nutzen wird, oder leiten Sie einen an die Familiengruppe weiter. Inhalte, die ohne Bedingungen weitergegeben werden, sind die einzigen, auf die sich ein Link lohnt.

Sind diese Ratgeber korrekt und aktuell?

Jede Zahl, Gebühr und Frist wird an einer offiziellen Quelle geprüft – RBI, SEBI, EPFO, IRDAI oder einer Regierungsmitteilung –, und jeder Ratgeber führt diese Quellen mit dem Datum der Prüfung auf. Jeder trägt außerdem oben ein Veröffentlichungs- und ein Prüfdatum. Verfahren ändern sich; wenn Sie in einer fristgebundenen Sache handeln, bestätigen Sie den aktuellen Stand bei der betreffenden Institution.

Womit fange ich an, wenn gerade jemand gestorben ist?

Beginnen Sie mit dem, was eine Familie in den ersten Tagen wirklich braucht, und dann mit dem konkreten Anspruch, um den es geht. Für ein Bankkonto lesen Sie den Ratgeber zur Beanspruchung eines Bankkontos nach einem Todesfall in Indien. Für Vorsorgefonds und Rente lesen Sie den EPF-Ratgeber. Wenn ein Institut ein Nachfolgezertifikat verlangt hat, lesen Sie diesen Ratgeber, bevor Sie sich einem Gericht auch nur nähern.

Ist das ein vollständiger Ratgeber zum digitalen Nachlass?

Zusammen decken diese Ratgeber das Praktische ab: was festzuhalten ist, wer darauf zugreifen können sollte, wie indische Institute nach einem Todesfall tatsächlich Geld freigeben und was mit Online-Konten und Krypto geschieht. Sie ersetzen kein Testament und sind keine Rechts-, Steuer- oder Finanzberatung. Wo eine Frage vom Recht oder von Ihren persönlichen Umständen abhängt, sprechen Sie mit einer qualifizierten Fachperson im jeweiligen Land.

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