Guides

Des guides pour tout ce que les familles doivent démêler

Comment organiser l'essentiel, écrit pour ceux qui le font pour la première fois.

Gratuits à lire, libres de partage. Aucun ne nécessite de compte.

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

Si quelqu'un est décédé

Les démarches auxquelles les familles indiennes font face en premier, dans l'ordre où les établissements les demandent habituellement.

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.

Mettre ses propres affaires en ordre

Le travail qui prend une soirée aujourd'hui et fait gagner des mois à une famille plus tard.

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.

Pour les NRI et les familles transfrontalières

Ce qui change quand les biens sont dans un pays et les héritiers dans un autre.

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.

Comptes numériques et cryptomonnaies

La catégorie que les familles perdent le plus complètement, faute d'établissement auquel écrire.

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.

L'argent qui reste non réclamé

Des dizaines de milliers de crores dorment dans les banques et chez les assureurs indiens — presque jamais à cause d'une 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.

Utiliser LifeWyn

Comment fonctionne le produit lui-même, expliqué de la même manière que tout le reste ici.

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.

Questions sur ces guides

Ai-je besoin d'un compte LifeWyn pour lire ces guides ?

Non. Chaque guide est gratuit à lire et libre de partage, sans compte, sans e-mail et sans accès payant. Imprimez-les, envoyez-les à un parent qui n'utilisera pas d'application, ou transférez-en un au groupe familial. Un contenu offert sans conditions est le seul qui mérite d'être partagé.

Ces guides sont-ils exacts et à jour ?

Chaque chiffre, frais et délai est vérifié auprès d'une source officielle — la RBI, la SEBI, l'EPFO, l'IRDAI ou une notification gouvernementale — et chaque guide cite ces sources avec leur date de consultation. Chacun porte aussi en haut une date de publication et une date de révision. Les procédures évoluent : si vous agissez sur un point soumis à un délai, confirmez la situation actuelle auprès de l'établissement concerné.

Par où commencer si quelqu'un vient de décéder ?

Commencez par ce dont une famille a réellement besoin les premiers jours, puis par la démarche précise qui vous attend. Pour un compte bancaire, lisez le guide sur la récupération d'un compte bancaire après un décès en Inde. Pour la caisse de prévoyance et la pension, lisez le guide EPF. Si un établissement vous a demandé un certificat de succession, lisez ce guide avant de vous approcher d'un tribunal.

Est-ce un guide complet de l'héritage numérique ?

Ensemble, ces guides couvrent l'essentiel pratique : quoi consigner, qui doit pouvoir y accéder, comment les établissements indiens débloquent réellement les fonds après un décès, et ce que deviennent les comptes en ligne et les cryptomonnaies. Ils ne remplacent pas un testament et ne constituent pas un conseil juridique, fiscal ou financier. Lorsqu'une question dépend du droit ou de votre situation personnelle, adressez-vous à un professionnel qualifié du pays concerné.

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