Sunday. 11:15pm. Joint-account statement open.
You realise nobody else knows what half of these are.
If you died tomorrow, the family Netflix locks and the joint account keeps paying.
Six hundred pounds a year on auto-renew, in your name. The kids' Spotify, the photo cloud with twelve years of family pictures, the streaming the family actually uses, all behind your login. The bills do not stop. The shared things do.
What only you know
Most households quietly run on one person.
The master list of all active streaming service accounts and passwords
Subscription cancellation links for retail and grocery delivery profiles
Admin panel access for niche software memberships
Direct login links for monthly fitness and gym plans
The cloud-storage billing records and login paths
Customer-service verification codes for mobile-network providers
None of this is in a drawer. None of it is in your partner's phone. It is all in your head.
If you went silent tomorrow
Here is what unravels.
Day 1
The family Netflix asks for your password. The photo cloud locks the kids out of their pictures. Nobody can sign in.
Week 1
A free trial you set up converts to a paid annual plan. The card on file is yours. No way to cancel without your login.
Month 1
Two hundred pounds has rolled out of the joint account in charges nobody can identify. The grocery delivery still arrives.
Year 1
Six hundred pounds in subscriptions you set up has auto-renewed on a dead person's card. The family has lost the photos and is still paying for everything else.
By next month, your partner is firefighting. Not grieving. Firefighting.
How it works
One tap a month. Until the day you stop tapping.
Grace period
30 days to reply
We try email, text, and a phone reminder. You log in once, everything resets.
Alex, friend since uni
Witness 1, confirmed
Priya, family
Witness 2, confirmed
Recipient
Your spouse or partner
That is it. Six pounds a month.
One tap. Two witnesses. Delivery only when both confirm.
What actually happens
Your partner gets exactly what they need.
Every active sub, with login, cost and cancel link
A clear keep / cancel column for the family-used ones
The photo-cloud and shared-account access notes
The joint-card and direct-debit details to switch off
And it is six pounds a month.
Two witnesses have confirmed. Here is what your spouse or partner asked us to share with you.
Open securely
ifyoudie.org/view/...
Take your time. Samaritans 116 123 if you need someone now.
What you actually do
Ten minutes today. One tap a month. That is the whole thing.
- Step 1
Write what your partner would need
The full sub list, the email each one is tied to, the cancel links, the joint card details. Short notes, not a wiki.
- Step 2
Name two friends as witnesses
People who know you and your partner. If we ever stop hearing from you, we ask them, separately, to confirm.
- Step 3
One tap a month, that is the whole job
We send one short email a month. You tap once. If you stop tapping, we wait, try again, and only then send the ledger to your partner.
The price
£6 a month.
Less than a gym you don't go to. Cheaper than the streaming bundle you forgot you have.
- Netflix Basic£8 / mo
- A gym membership£35 / mo
- Spotify Premium£11 / mo
- Three coffees£10 / mo
- If You Die£6 / mo
Cancel any time. If you ever do, your messages are wiped within 30 days.
Doing this for the whole household? Family plan, £18/mo for five.
What we never do
Trust is the product. These four lines are why.
We never read your words
No human reads what you write. No AI is trained on it. Encrypted at rest, the honest version.
Two humans must confirm
We do not deliver on a missed email. Two witnesses you named must, separately, attest. No exceptions.
We never sell your data
Not anonymised, not aggregated, not under any future ownership change. It is in the terms in black and white.
We never assume your beliefs
Religion, culture, what you call the people you named. You write the words. We deliver them, unedited.