Your will covers your assets. This plan covers you

Digital estate planning is deciding, while you are alive and able, who can access, manage, or inherit everything you hold in digital form: accounts, photos, email, crypto, and your online identity. A complete plan has an inventory, an access plan, legal authority, and a named person to act. Afterlife AI™ adds the part most plans miss: preserving the person your family will actually go looking for.

Most estate plans are thorough about money and silent about everything else. The house, the accounts, the retirement savings: covered. The sound of your voice, the stories only you can tell, the answers to questions your kids have not thought to ask yet: nowhere in the paperwork. We built the Afterlife AI™ digital estate planning service to close that gap while keeping the traditional work honest and complete. This page covers what a digital estate includes, the legal documents you still need, and how the service works, from your first free memory to Executor Lock™.

What does a digital estate include?

Your digital estate is everything you own or control that lives online or on a device. The category is bigger than most people expect, and each part follows different rules at death. It helps to sort the whole of a modern life into five groups.

• Financial accounts: online banking, brokerage and retirement logins, payment balances, loyalty points, and anything a custodian can unlock when presented with a death certificate and the right paperwork.

• Cryptocurrency: the hardest case, because self-custodied coins have no help desk and no recovery process. Our guide to what happens to crypto when you die explains why a missing seed phrase is a permanent loss.

• Photos, files and email: the cloud libraries that hold most of a family's actual memory. What each platform does with a deceased user's account varies wildly, and we map the big ones in what happens to your digital accounts after death.

• Intellectual property and online income: domains, manuscripts, code, channels, storefronts, and any account that earns money or licenses your work.

• You: your voice, your stories, your way of answering a question. No password recovers this, and no platform legacy setting was ever designed to protect who you are.

The first four groups are recoverable with the right paperwork and the right preparation, and the second half of this page walks through exactly that. The fifth group is different in kind. No death certificate unlocks a person. Covering that fifth group is the service we offer, and the reason this page exists.

What do most estate plans miss?

Ask anyone who has settled an estate what they ran out of. It is rarely documents. Probate produces authority on a schedule. Banks respond to death certificates. Even locked photo libraries usually open eventually, given persistence and the right forms. What never comes back on any schedule is the person: the voice on the end of the phone, the one who knew the real version of the old stories, the family recipes, and what Dad would actually say about all this.

Your family will inherit your accounts through the legal system whether you plan well or badly. What they cannot inherit, unless you build one while you are alive, is you: a living likeness that carries your stories, your advice, and your way of answering. That is what our service adds to estate planning, and why we describe the work as planning for the person, not just the property.

Your family will not go looking for your logins. They will go looking for you.

What the Afterlife AI™ service includes

Five commitments define the service. Together they do for your identity what a good will does for your assets: decide, in advance and in writing, exactly what happens, and put the decision beyond argument.

Your Persona, built from your own words

The heart of the plan is your Persona: a living likeness you build through guided capture, short prompted sessions where you tell your stories, opinions, and advice in your own words. Every memory you add makes your Persona more genuinely you. The first 50 memories are a free build budget: no card, no time limit, and the budget never expires. With your recorded consent, your voice can be preserved too, so when the day comes your family can hear the stories, not just read them.

Executor Lock™, so nothing about you changes after you die

Executor Lock™ is the promise at the centre of the service. When your death is verified, your Persona is locked as a perfect snapshot of everything you built. Nothing about you can be edited, retrained, or rewritten after that moment. Not by us, not by a future product decision, not by a well-meaning relative. Whoever your grandchildren meet in thirty years is exactly the person you chose to leave.

Trusted Contacts, named like executors

You name Trusted Contacts the way a will names executors: specific people, chosen in advance, with defined roles. They are the ones who can report your death and confirm the moment Executor Lock™ engages, and they are how the service tells the difference between you being offline for a month and you being gone. Nobody you did not name has any standing to touch your plan.

Release rules: who receives what, and when

You decide, in advance, exactly who receives access and when. Your partner straight away. Your children when they are grown. A message set aside for a wedding day. Release rules are written while you are alive, in plain terms you control, and honoured exactly as written. Think of them as the gift clauses of a will, applied to the most personal thing you will ever leave.

Deletion rights, always

You keep the exit. While you are alive, you can delete any memory, or your entire Persona and account, at any time, and deletion means deletion. An estate plan you cannot revoke is a trap, and consent you cannot withdraw is not consent. We built the service on the opposite principle, and deletion sits alongside the other four commitments as an equal, permanent right.

How does it work?

Three steps, and the first one is free.

• Step 1: build. Create an account and start guided capture. Your first 50 memories cost nothing, with no card and no expiry, and most people cover their core stories, values, and hard-won advice inside that budget.

• Step 2: decide. Name your Trusted Contacts, write your release rules, and record voice consent if you want your family to one day hear you as well as read you.

• Step 3: lock. When your Trusted Contacts report and verify your death, Executor Lock™ freezes your Persona as a perfect snapshot, and your release rules take effect exactly as you wrote them.

Building is free at every step above. The paid plans, Legacy at $14.99 a month and Eternal at $29.99 a month, add depth and the full family experience, including voice playback for the people you leave behind. The complete breakdown is on our pricing page.

The legal documents you still need

We will say this plainly, because a company offering estate planning should: the Afterlife AI™ service is not a will, and no digital service replaces one. A complete digital estate plan pairs your Persona with the legal instruments that give your family authority to act. Four matter most.

• A will that addresses digital assets. In the United States, RUFADAA, the Revised Uniform Fiduciary Access to Digital Assets Act adopted by nearly every state, lets a fiduciary reach your digital assets only where you granted permission in advance. Our guide to a digital will in the USA walks through doing that properly.

• A named digital executor: one specific person with authority over the digital side of your estate, ideally named in the will itself, who knows the role exists before they need to play it.

• Clear language putting digital assets in your will, without ever writing a password into the document, because a will frequently becomes public at probate.

• A family emergency binder: the practical, offline companion that tells your family where everything is during the worst week of their lives.

The rules differ by country, so anchor your plan in your own government's guidance. Australians can start with the government's MoneySmart guide to wills and powers of attorney, and Americans can see exactly what a family faces in USA.gov's guide to handling a loved one's death. We are not a law firm, and nothing on this page is legal advice: for the documents themselves, use a qualified estate lawyer in your jurisdiction.

Four steps to a complete digital estate plan

Whatever tools and services you use, ours included, a digital estate plan that holds up has four working parts. Skip one and the plan tends to fail at exactly the moment your family needs it.

• Inventory. Keep a private, current list of what exists: accounts, platforms, devices, wallets. Your family cannot recover, close, or memorialise what they never knew about, and a surprising amount is lost simply because nobody knew to look.

• Access. Decide, per asset, how the right person gets in. A password manager with an emergency access feature handles much of this well. A will with passwords written into the text handles none of it safely.

• Authority. Give the person acting on your estate legal standing to do so, granted in advance, in writing, by you. Tools do not execute an estate. People do, under authority you gave them while you could.

• The person behind the assets. Accounts are recoverable with paperwork and patience. You are only preserved if you choose to be, while you can. Build Once. Live Twice.™

Do the first three with your lawyer and your family. Do the fourth with us: build your Persona, name your Trusted Contacts, write your release rules, and let Executor Lock™ guarantee that what you leave stays exactly what you left.

If life insurance is part of your estate, our guide to life insurance and your digital legacy covers what a payout can and cannot leave behind. And because every estate plan is really for the people who outlive it, our grief support resources are written for them.