Guias
Guias para o que as famílias têm de resolver
Como organizar o que importa, escrito para quem o faz pela primeira vez.
Se alguém faleceu
As reclamações que as famílias indianas enfrentam primeiro, pela ordem em que as instituições normalmente as exigem.
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.
Ler 6 min
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.
Ler 6 min
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.
Ler 6 min
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.
Ler 6 min
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.
Ler 2 min
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.
Ler 2 min
Pôr os seus próprios assuntos em ordem
O trabalho que leva uma noite agora e poupa meses a uma família mais tarde.
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.
Ler 6 min
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.
Ler 6 min
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.
Ler 4 min
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.
Ler 2 min
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.
Ler 2 min
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.
Ler 2 min
Security
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.
Ler 7 min
Para NRIs e famílias transfronteiriças
O que muda quando os ativos estão num país e os herdeiros noutro.
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.
Ler 2 min
Digital legacy
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.
Ler 7 min
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.
Ler 5 min
Contas digitais e criptomoedas
A categoria que as famílias perdem por completo, porque não há instituição a quem escrever.
Digital legacy
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.
Ler 3 min
Digital legacy
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.
Ler 5 min
Security
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.
Ler 5 min
Digital legacy
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.
Ler 4 min
Security
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.
Ler 6 min
Digital legacy
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.
Ler 1 min
Digital legacy
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.
Ler 6 min
Dinheiro que fica por reclamar
Dezenas de milhares de crores ficam retidos em bancos e seguradoras indianas, quase 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.
Ler 3 min
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.
Ler 5 min
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.
Ler 7 min
Usar a LifeWyn
Como funciona o próprio produto, escrito da mesma forma que tudo o resto aqui.
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.
Ler 3 min
Security
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.
Ler 3 min
Security
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.
Ler 2 min
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.
Ler 3 min
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.
Ler 3 min
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.
Ler 2 min
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.
Ler 2 min
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.
Ler 2 min
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.
Ler 5 min
Security
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.
Ler 2 min
Perguntas sobre estes guias
Preciso de uma conta LifeWyn para ler estes guias?
Não. Todos os guias aqui são gratuitos para ler e para partilhar, sem conta, sem e-mail e sem barreira de pagamento. Imprima-os, envie-os a um familiar que não vai usar uma aplicação, ou reencaminhe um para um grupo familiar. Só vale a pena ligar a conteúdo que é entregue sem condições.
Estes guias são precisos e estão atualizados?
Cada valor, taxa e prazo é verificado junto de uma fonte oficial — o RBI, a SEBI, o EPFO, a IRDAI ou uma notificação governamental — e cada guia lista essas fontes com a data em que foram verificadas. Cada um também apresenta, no topo, uma data de publicação e uma data de revisão. Os procedimentos mudam, por isso, se estiver a agir sobre algo urgente, confirme a posição atual junto da instituição envolvida.
Por onde devo começar se alguém acabou de falecer?
Comece pelo que uma família realmente precisa nos primeiros dias, e só depois pela reclamação específica que enfrenta. Para uma conta bancária, leia o guia sobre como reclamar uma conta bancária após uma morte na Índia. Para o fundo de previdência e a pensão, leia o guia do EPF. Se uma instituição pediu uma certidão de habilitação de herdeiros, leia esse guia antes de se aproximar de um tribunal.
Este é um guia completo sobre legado digital?
No seu conjunto, estes guias cobrem o terreno prático: o que registar, quem deve conseguir aceder a isso, como as instituições indianas efetivamente libertam dinheiro após uma morte, e o que acontece às contas online e às criptomoedas. Não substituem um testamento, nem constituem aconselhamento jurídico, fiscal ou financeiro. Sempre que uma questão dependa da lei ou das suas circunstâncias pessoais, fale com um profissional qualificado no país relevante.
A tratar disto por alguém?
A verificação de preparação transforma as mesmas perguntas numa lista para os seus próprios assuntos. Doze perguntas, sem conta, e nada do que introduzir sai do seu navegador.