We split the monthly mortgage and utility bill payment duties between my spouse and me. To keep the house functioning in the terrible case of one of us dying, the other will need to be able to get into our accounts. Not only do home accounts need to be taken into account; after one of us passes away, closing down online bank accounts, social media accounts, video streaming service subscriptions, and many other online accounts could be a difficult and time-consuming procedure. We can both access our home and personal accounts when the other cannot thanks to the development of password managers with digital inheritance possibilities.

The most helpful legacy you leave behind can be granting a trusted individual access to your password manager vault. A guide for preparing your digital life for death is available from PCMag. Along with that tool, I have put together this list of the top password managers with options for digital inheritance.

THE BEST PASSWORD MANAGERS WITH ELECTIONS FOR DIGITAL LEGACY See which password management systems offer digital legacy choices in PCMags evaluations. Following is a list of password managers in alphabetical order:

1Password
Bitwarden
Dashlane
Keeper
LastPass
LogMeOnce
NordPass
Keyboard Boss
RoboForm

Talk to the folks who will inherit your passwords for your online accounts about your online account inheritance strategy. Tell them the password manager you use and offer them detailed directions for gaining access to your online safe.

HOW TO MAINTAIN THE SECURITY OF YOUR ONLINE ACCOUNTS AFTER DEATH Each password manager on the above list has a unique method for transferring passwords. Some let you decide whether to give recipients complete access to every item in your vault (which can contain credit card and bank account information) or to restrict access to specific areas. There are password managers that allow you to grant vault access to a trusted contact while you are away, for example, if you are anticipating major surgery and won’t be able to access your accounts for a short period of time. The password manager locks down after the time constraints are up till you may access it again.

Remember that possessing a password for an online banking account is not the same as possessing someone else’s money. You risk getting in trouble with the law if you take money from an account that is not yours. Get in touch with the bank before attempting to access a deceased person’s account if you need to close their bank accounts. Banks have their own procedures for processing account closures and distributing financial bequests. Make sure you designate them as a beneficiary on the account or identify them as a joint account holder if you want to ensure that someone will be eligible to collect the funds in one of your accounts after your passing. It won’t help if you give them your banking login credentials.

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