A Death File (sometimes called an “In Case of Death” file) is a crucial document that helps your loved ones handle your affairs smoothly when you pass away.

Here’s what you should include:

1. Personal & Identification Documents

• Full name, date of birth, and National Insurance number

• Passport & driving license copies

• Birth & marriage certificates (if applicable)

• Copies of any name change documents

2. Legal Documents

• Will – A copy of the most recent signed version – the original should always be kept in a safe place (preferably at the Probate Registry) and ideally registered with the National Will Register

• Letter of Wishes – Explaining any personal matters not in the will

• Funeral Plans – Any prepaid funeral arrangements or wishes

• Property Deeds or Rental Agreements

• Prenuptial or Divorce Settlements

3. Financial Information

• Bank account details (sort code & account numbers)

• Investment & pension details

• Life insurance policies

• Mortgage & loan documents

• Details of any debts or credit agreements

4. Digital & Online Accounts

• A list of online accounts (email, social media, banking, subscriptions)

• Instructions on how to access them (stored securely or via a password manager)

• Details of cryptocurrency wallets, if applicable

5. Contact List

• Executor of your will

• Solicitor handling your estate

• Financial adviser or accountant

• Close family members and key friends

6. End-of-Life Wishes

• Burial or cremation preferences

• Organ donation instructions

• Preferred songs, readings, or special requests for the funeral

7. Business Information (If Applicable)

• Business ownership documents

• Successor or transition plans

• Access to business bank accounts and key contacts

8. Safe Deposit Box or Safe Access

• Location of any safe or deposit box

• Instructions on how to access them (keys, codes, or necessary authorisations)

In my precedents file I have a physical assets log and a digital assets log which clients can make use of to include in their death file. If anyone would like copies, then please e-mail me at nick@st10law.co.uk. There will be no charge.

Nick @ ST10 LAW