Guías

Guías para lo que las familias tienen que resolver

Cómo organizar lo importante, escrito para quien lo hace por primera vez.

Gratis para leer y para compartir. Ninguna requiere cuenta.

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

Si alguien ha fallecido

Las reclamaciones a las que se enfrentan primero las familias indias, en el orden en que las entidades suelen pedirlas.

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.

Poner en orden tus propios asuntos

El trabajo que ahora lleva una tarde y que después ahorra meses a una familia.

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.

Para NRI y familias transfronterizas

Qué cambia cuando los bienes están en un país y los herederos en otro.

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.

Cuentas digitales y criptomonedas

La categoría que las familias pierden por completo con más frecuencia, porque no hay ninguna entidad a la que escribir.

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.

Dinero que queda sin reclamar

Decenas de miles de crores siguen en bancos y aseguradoras de la India, y casi nunca por fraude.

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.

Cómo usar LifeWyn

Cómo funciona el propio producto, contado igual que todo lo demás aquí.

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.

Preguntas sobre estas guías

¿Necesito una cuenta de LifeWyn para leer estas guías?

No. Todas las guías de aquí se pueden leer y compartir gratis, sin cuenta, sin correo y sin muro de pago. Imprímelas, envíaselas a tu padre o a tu madre si no van a usar una app, o reenvía una al grupo familiar. El contenido que se entrega sin condiciones es el único que merece la pena enlazar.

¿Estas guías son precisas y están actualizadas?

Cada cifra, comisión y plazo se comprueba con una fuente oficial —el RBI, la SEBI, la EPFO, el IRDAI o una notificación del gobierno— y cada guía enumera esas fuentes con la fecha en que se consultaron. Cada una lleva además una fecha de publicación y una de revisión en la parte superior. Los procedimientos cambian, así que, si vas a actuar sobre algo con plazos, confirma la situación actual con la entidad correspondiente.

¿Por dónde empiezo si alguien acaba de fallecer?

Empieza por lo que una familia necesita de verdad en los primeros días y, después, por la reclamación concreta que tienes delante. Para una cuenta bancaria, lee la guía sobre cómo reclamar una cuenta bancaria tras un fallecimiento en la India. Para el fondo de previsión y la pensión, lee la guía del EPF. Si una entidad te ha pedido un certificado de sucesión, lee esa guía antes de acercarte a un juzgado.

¿Es esta una guía completa sobre el legado digital?

En conjunto, estas guías cubren lo práctico: qué registrar, quién debería poder acceder, cómo liberan realmente el dinero las entidades indias tras un fallecimiento y qué pasa con las cuentas en línea y las criptomonedas. No sustituyen a un testamento ni son asesoramiento legal, fiscal o financiero. Cuando un asunto dependa de la ley o de tus circunstancias, habla con un profesional cualificado del país correspondiente.

¿Estás gestionando esto por otra persona?

La comprobación de preparación convierte esas mismas preguntas en una lista para tus propios asuntos. Doce preguntas, sin cuenta, y nada de lo que escribas sale de tu navegador.

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