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Death benefit: organizing your life so that your loved ones inherit your personal information

Pensions: why and how to allow my loved ones to inherit my personal information

Foresight and planning are the keys to a carefree inheritance. Make life easier for your loved ones after you're gone by understanding what information to pass on and how to do it securely.

Only 43 % of French people have organized their death insurance. Are you one of them? 

Beyond the drafting of wills and the financial security of loved ones, the pension encompasses many aspects of our over-connected daily lives. Securing and transmission of your personal data in the event of illness, incapacity or death, important decisions, last wishes, actions to be taken with your personal belongings, organization of important documents... the list goes on!  

Indeed, our lives are increasingly cluttered with information stored online, from bank details to passwords and personal photos. So let's take a look at why and how you should take action today to make it easier for your loved ones to inherit your personal information and relieve them of a burden. 

Many people are unfamiliar with the process of smoothly transmitting information in an estate. In this article, we explore thethe importance of foresightthe reasons for which it is crucial, what information to send and the how to do itwhile highlighting the mistakes to avoid.

Key points:

  • the importance of foresight in transmitting personal information
  • Why is this important?
  • What information do I need to pass on?
  • Understand how to transmit information securely


A mother-daughter conversation on foresight and inheritance to get organized


The importance of sharing personal information

To us, pension is often associated with financial protection in the event of illness, accident or death. However, this is not the case, think aheadis to take steps to guard against the consequences of unforeseeable events. This also includes management and secure transfer of your personal information to your loved ones. In an increasingly digital world, where our lives are closely linked to various online accounts, it's crucial to plan how this information will be managed after we're gone.

Life is full of the unexpected, and while we hope to live long and healthy lives, it's inevitable that one day we'll have to face this situation. 

Against this backdrop, the preparation and the planning can help us not only to put our own lives in order, but also to spare our loved ones a great deal of worry after we're gone. It's not just about material goods; it's also about passing on crucial information that can have a significant impact on the well-being of those we leave behind.


Pension planning: organize your administrative documents during your lifetime to ease the transition for your loved ones


Why is it important to think about the future of your personal information?

Prevent administrative and legal complications

Our daily lives are filled with rules, laws and complex systems that govern almost every aspect of our lives, including our deaths. Visit document availability such as wills, advance directives, bank accounts, insurance policies and other financial and legal papers will help simplify things for your loved ones.

Organizing our documents and recording our wishes is already a good thing, but our lives are not set in stone, so managing and updating these contracts is necessary to ensure that they are passed on.

In the past, this foresight might have been enough to ensure good management in the future, but digitalization has made this exercise more laborious. Digital accounts, social networks and digital tools are making the transmission of administrative inheritance more complex. Giving people the possibility of inheriting data has become a necessity.    

Otherwise, loved ones could find themselves mired in an administrative labyrinth, facing delays, additional costs, and perhaps even legal disputes. Visit planning ahead and making this information accessible, you help make these processes easier and less of a burden for those you love.

Ensuring the well-being of the family and avoiding family stress and conflict in times of bereavement

We all have a unique life path, and we don't choose when we leave.

Grieving is an emotionally charged process and a difficult time for everyone, all the more so when you're unprepared for the departure of a loved one. 

However, it is the family's responsibility to carry out essential administrative formalities following the death of a loved one. Dealing with these formalities can place a burden on the surviving spouse or children at an already delicate time, as there is no standard declaratory scheme. In the absence of guidelines or missing information, family quarrels can arise. Stress and conflict can arise in the event of vagueness or ambiguity. 

Visit clearly transmitting your information and wishesgive you the tools to take informed decisionsreducing the potential for tension and disagreement.


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Making sure your wishes are respected

Whether it's a question of who will get your material goods, to ensure continuity of studies, to avoid financial imbalance, of the how you wish to be commemorated  or to protect your family members, having a plan in place is the only way to ensure that your wishes are respected. Confidence is no substitute for clarity. 

You may love and trust your family and friends, but in the absence of clear guidelines, interpretations and assumptions can quickly take over, jeopardizing respect for your true wishes. To ensure that your wishes are respected, you can initiate dialogue and talk to your loved ones about death and your wishes

Preparing for mental or physical incapacity: taking action before it's too late

Sometimes life throws up surprises, including accidents or illnesses that can lead to mental or physical incapacity. In such cases, theabsence of a pension plan can complicate an already difficult situation. You may find yourself in a situation where you can no longer communicate your preferences or make decisions for yourself. 

Act nowwhile you are fully capablegives you the power to shape your own future and that of your loved oneseven when you're unable to do so.

Guarantee access to important accounts and services

To us, digital legacy management has become crucial in our digital age. When someone passes away, their online profiles and content often survive, protected by passwords that only the deceased knew. This makes it difficult for loved ones to manage this information properly.

Prevent identity theft and information abuse

Lack of planning can lead to risks of identity theft or misuse of information. Unsecured online accounts can be an easy target for cybercriminals.

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Facilitating the grieving process

Managing the digital legacy can be an important emotionally difficult task for relatives. A well-thought-out plan can help them manage this difficult period.

To us, proactive transmission of your personal information during your lifetime is less an act for yourself than for those you leave behind. It's a step that requires a certain amount of courage and foresight, but the benefits, for both you and your loved ones, are priceless.


Hands joined to illustrate foresight: organizing during your lifetime to protect your loved ones

What information do I need to pass on?

Financial documents: bank accounts, investments, etc.

Finance is often the first area that comes to mind when we talk about transmitting important information. Information about your bank accounts, investment accounts, and other financial assets such as bonds, stocks, or even crypto-currencies, must be carefully documented. The aim is not only to provide informationbut also to provide instructions on how to manage these accounts, should the need arise. 

Real estate and equipment: property, vehicles, valuables

Your real estate and tangible assets, such as homes, land, vehicles, and valuables such as jewelry or works of art, often have a high risk of loss. importance that goes beyond a simple price. These elements can have a value sentimental for you and your loved ones. Document the ownership of these assets, their history, and your wishes regarding their distribution or management.

Advance directives and wills: instructions for end-of-life situations, distribution of assets and legal information

It is also important to share information on your wills, contracts and other legal documents. This will make legal procedures easier for your loved ones.

Legal documents such as advance directives or wills are essential for defining your wishes end-of-life issues. This could cover topics such as cardiopulmonary resuscitation, palliative care, or even organ donation wishes. What's more, a standard will is indispensable to dictate how your assets are to be distributed after your death. But wills often conjure up an image of the end of life, and as such, when you're still in business, you can't imagine being at the stage where you're about to leave. 


Digital identifiers: social network accounts, online subscriptions, cloud storage

Our online life can also be complicated and cluttered than our offline lives. Social networking accounts, online subscriptions, blogs and cloud storage are all aspects of our digital identity that need to be managed after we're gone. Who will have access to your accounts? Do you want your profiles deleted, turned into memorabilia, or managed in some other way? Planning these details may seem trivial, but it's essential. crucial to ensure a smooth transition for your loved ones.

Compiling and transmitting this information can seem a daunting task. arduousbut it's an investment in the peace of mind for you and your loved ones. By taking these steps, you can help ensure that your wishes and assets are managed appropriately, while making life easier for those who have to make these decisions in your absence.


Personal data management


How to transmit personal information securely?

Use of digital safes 

One of the the safest ways to store and transmit your important information is the use of secure digital safes. Services such as SecureSafe or Digiposte enable store important documents online secure.

These platforms are specially designed to store sensitive information and ensure that it doesn't fall into the wrong hands.

Benefits of using digital safes

  • Increased safety : data is often encrypted and secured behind robust firewalls.
  • Restricted access : you can restrict who has access to this information, giving access only to people you trust.
  • Ease of use : Most of these services are user-friendly, with easy access for authorized personnel.


  • This service may have an associated cost high.
  • If the password is lostdata recovery can be complicated.
  • The information recorded is often limited to documents, and does not allow other data to be entered, such as contacts, wishes or comments relevant to each case.

Notaries, lawyers, financial advisors: consultation with experts

To ensure that your wishes are legally enforceable and financially viable optimized, It is advisable to consult experts such as notaries, estate planning lawyers and financial advisors.. These professionals can help you navigate the legal and financial complexities, organize your estate to reduce the cost of an eventual succession and formalize your wishes in a way that's right for you. suitable.

Open communication with family and friends

Any open dialogue with the people who will be responsible for managing your legacy is crucial. While some information may be too sensitive to share openly, having an honest conversation with your loved ones can help them understand what you're trying to achieve. wishes and get ready mentally and emotionally to the task in hand.

Download the checklist "100+ questions to ask yourself when talking about death and finding the right words.


Senior couple talking about pensions


Use of secure password management services

Services such as LastPass or Dashlane enable securely store and share passwords.

Setting up a power of attorney

A power of attorney can give trustworthy person the right to access your information and make decisions on your behalf.

Send your personal information with Postumo

It's through all these administrative Postumo is there for you support through this often complicated phase, but what does Postumo actually do and why is it the solution for you?

Postumo is a revolutionary platform that simplifies and secures the transmitting your essential information. With us, you can consolidate all your relevant data into a single location becomes child's play, facilitating the pension planning process for you and your loved ones. Designed with the highest security standards in mind, our platform is accessible to anyone, even without technical or legal skills. 

Here are the reasons why you can trust our team to plan your pension and ensure the transmission of your personal information:

Enhanced safety

Postumo implements state-of-the-art safety measures for protect your sensitive informationgiving you invaluable peace of mind.

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Centralized management

 Centralize all your essential data in over 22 sections, including bank accounts, real estate holdings in France and abroad, and instructions concerning your pets, in a secure location.


You fill in what you Think of it as important: we don't ask for details of the value of goods, codes or passwords. 

Ease of use

 Our user interface intuitive makes it easy to manage and update your information.

Upload documents and leave comments, contacts, recommendations or wishes.

Transparency and control

During your lifetime, only you can access your data. 

You designate your "Trusted Persons" who will be able to retrieve your information when the time comes.

You decide who will have access to the different sections, thus keeping the control on sharing.

Personalized follow-up

 We make sure that you never forget to update your critical information with notifications and reminders.

In the event of an emergency, your loved ones will have rapid access to this information, avoiding family conflicts and ensuring that your personal wishes are respected.


Inheritance of personal information couple and papers


Common pension mistakes and how to avoid them

Planning the transfer of your personal information and assets is not an easy task. easy taskAnd many mistakes can be made in the process. Here's a list of the most common mistakes and tips on how to avoid them:

Not surrounding yourself with competent people

Don't underestimate the complexity estate law and finance. Always consult experts such as notaries, lawyers and financial advisors to ensure that all measures taken are legally compliant and financially optimized.

Lack of communication with loved ones

The dialogue is crucial to avoid misunderstandings and conflicts. Make sure your loved ones understand your wishes and are aware of the broad outlines of your pension plan. Failure to do so can lead to complications and unnecessary delays.  

Not updating personal information 

Life changes, and so should your pension plan. evolve accordingly. Update your documents and information on a regular basis, especially following key events such as marriage, birth, divorce, or a change in financial or professional situation.

Inappropriate storage of important documents

Use secure means such as digital or physical safes for storing sensitive documents and information. Make sure only trusted people have access.

Ignoring advance directives and wills

Don't leave your family in the uncertainty concerning your wishes for end-of-life situations or the distribution of your assets. Draw up a directive advance and a will to clarify your intentions.

Ignorance of tax implications

It is important to understanding the tax implications of transferring property and assets. Consult a tax expert to minimize the tax burden on your heirs.

Don't think about loss of physical or intellectual capacity

In addition to planning for death, it is also important to visit scenarios where you could be unable to make decisions for yourself due to a lack of experience physical or mental disability. The future protection mandate offers this protection.

Ignoring the family's emotional well-being

Foresight is not just about material and financial assets. Think about emotional impact on your loved ones and try to minimize their stress in times of grief.




By avoiding these common mistakes, you can take important steps to simplify the pension process and ensure that your wishes are respected.

Foresight extends far beyond the financial aspects and the distribution of material goods. think aheadis to take steps to guard against the consequences of unforeseeable events. This includes secure management of our personal data in a complex digital world. 

This approach aims to making life easier for our loved ones after we left respect our wishesand protect them during already trying times. 


We have explored methods for collect, store and share this crucial information. Expert assistance and the use of specific tools, such as  la time capsule digitale “Sérénité” de Postumo or digital safes, can facilitate this often neglected aspect of estate planning.


By discussing your situation with your loved ones, consulting professionals and initiating the compilation of your data, you can offer your loved ones peace of mind while avoiding unnecessary complications. Action now equals future security for those you love. Take the time to set up your digital contingency plan for a secure transmission your information while respecting your wishes.



What is digital foresight?

Digital foresight encompasses planning for the management of your online data, including accounts, contacts and other information, in the event of death or incapacity.


Why should we consider transmitting personal information?

Passing on this information simplifies administrative procedures, prevents family conflicts and ensures that your wishes are respected after you leave.


What data can I include in this plan?

This includes financial documents, property and real estate, pet information, advance directives, digital identifiers and much more.


How can we ensure the security of data storage?

You can use secure digital safes, online storage services with advanced security measures, or call in the experts for customized options.


Who should I tell about my pension plans?

Open communication with any legal or financial advisors involved in managing your estate is essential.


How do you keep this information up to date?

Regular review and updating is essential. The use of reminders or alarms facilitates follow-up.


What are the risks of a lack of transmission planning?

Risks include administrative complications, family conflicts, and failure to respect your personal wishes.


Are there any specialist services for digital foresight?

Yes, online platforms such as Postumo offer secure solutions for managing and transmitting your information.


Where can I find additional resources on this subject?

Explore the Postumo resource library to find guides, checklists and other practical tools for your digital pension planning.


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The first 100 % online platform for automating death notifications
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The first 100 % online platform for automating death notifications
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