What your family actually experiences

1. When you set things up

   They learn they've been chosen — and nothing more

   The person you name is told that you have named them, and what that will one day mean. They do not learn what is in your vault, how much is there, or who else you trusted. Most people in this position do nothing for years — and that is exactly right.

2. If you go quiet

   The first reminders come to you, not to them

   A missed check-in starts and stays with you: a nudge, then another, across the channels you set up. No one else is contacted, and nothing is disclosed. A holiday, a hospital bed, or simply a busy week ends right here — the moment you log in.

3. If the silence continues

   Only then are the people you trust asked — gently

   If the quiet holds, the contacts you chose are asked to help confirm what is happening. They are asked one simple, human thing: whether you are alright. They are never shown your vault, and their answer alone releases nothing.

4. Verification

   Evidence is weighed — behind a gate that fails closed

   A verification case gathers what is available and scores it. Confirmations from the contacts you named and verified documents raise confidence; conflicting responses, a scripted burst of submissions, unverified or tamper-flagged documents and duplicate cases raise fraud risk against it. Only a high-confidence, low-risk result approves on its own — anything ambiguous goes to a person, and anything conflicting is capped. The result is then cross-checked by a separate service rather than taken on trust.

5. Release

   Each person receives only their own part

   Your rules are read item by item and person by person, and any waiting period you set has to have passed. Key shares are encrypted to each recipient and rebuilt on their own device — the server never assembles your key.

6. Afterwards

   A path through the paperwork, not a pile of secrets

   The portal opens with a one-time code sent to the contact details you recorded — no account, no password, nothing to install. Inside is only what you left them: the documents meant for them, step-by-step guidance for each institution they will have to approach, and a status they can follow as each claim moves forward. They are guided, not left to play detective.

One thing worth saying plainly: your nominees’ names and contact details are not encrypted at rest, because LifeWyn has to be able to reach them to notify and verify them. Everything you place inside your vault is. How the encryption works.

What an Indian bank actually asks for →When a succession certificate is needed →

Does my nominee need a LifeWyn account?

No — and that is deliberate. Your nominee receives a link and a one-time code at the contact details you recorded, and that is the whole of it. There is no password to lose and nothing to install, which matters more than it sounds: this is someone using the product once, under real grief, probably on a phone.

What if a nominee tries to claim while I am alive?

They cannot. The chain begins with your own missed check-ins, never with someone else's claim. And even once it has started, a nominee's part is to help confirm, not to decide — you can stop the whole thing simply by logging in.

How long does the whole thing take?

About two weeks by default, and longer if you set a time lock. Reminders run across the first 48 hours, your trusted contacts are asked at hour 48 and have 48 hours to respond, and document and identity verification runs across days 5 to 14. Every one of those windows is configurable. We would rather be slow than wrong: a release that comes a week late is an inconvenience, and one that should not have happened cannot be undone.

How do I know they will actually manage it?

That worry is exactly why the portal is more than a set of keys. Instead of handing over credentials and wishing them luck, it lays out what needs to be claimed, from which institution, in what order, and keeps track of what is done — all the parts a grieving family would otherwise have to piece together alone.

Can I change who gets what later?

At any time. Nominees, item-by-item assignments, disclosure rules, delays and conditions can all be changed while you are using your account, and every change is recorded.

What if the wrong conclusion is reached?

The chain is built so that a single signal can never get there. Verification is scored, not asserted: confirmations and verified documents raise confidence, while conflicting responses, tamper-flagged documents and duplicate cases raise fraud risk against it, and one contact saying you are fine caps the score outright. An ambiguous result routes to a person rather than to a release, and the gate is cross-checked by a separate service. And if you want an explicit margin of safety, set a time lock on the item — a delay that still has to elapse even after verification.

Will the bank accept what my family shows them?

That is the bank's decision under its own rules and the regulator's directions, and LifeWyn has no authority over it. What LifeWyn does is make sure your family arrives knowing the account exists, which branch holds it, who the nominee is and which documents to bring. That is the part that turns months into weeks. The claim itself still runs through the institution.