The document your family will need and almost certainly doesn't have

Most people who have "sorted out the will" have not sorted out the part their family will actually struggle with: finding everything. An executor with a valid will and no idea which bank, which insurer or where the safe deposit key is spends months on archaeology.

What to write down

• Bank, investment and retirement accounts — institution and reference, not the password.
• Property, mortgages, vehicles and titles.
• Life insurance and annuities. Check the beneficiary designations — they override the will, and a stale one sends money to an ex-spouse.
• Debts, loans and recurring subscriptions that will keep billing.
• Where the original will is kept, and who the attorney is.
• Military discharge papers, prepaid funeral arrangements, and the safe deposit key.

The digital half

Accounts outlive people and families usually cannot reach any of them. Set up the supported routes while you can: a password manager's emergency access, Apple's Legacy Contact, Google's Inactive Account Manager. Using someone's password after their death generally breaches the provider's terms even with the family's blessing — the official tools exist precisely to avoid that.

Start with the primary email account. Almost every other account can be reset through it, and until it is secured nothing else really is.

Where it lives

The Estate & Legacy pack has the inventory, an executor checklist that walks probate in order, and a digital handoff sheet. None of it is a will and none of it is legal advice — a will has execution formalities a printed worksheet cannot satisfy. This is the part people die without doing.