The "in case of death" folder: what to put in it

← Blog · July 3, 2026 · Capsulene Team

Everyone agrees they should have one; almost nobody does. Here is the complete checklist for an "in case something happens to me" folder — and how to keep it from becoming either a security hole or a stale lie.

The checklist

1. Access — the unlock chain

Phone PIN and computer login
Primary email password (every reset flows through it)
Password-manager master password or recovery kit
2FA backup codes; where the hardware key lives

2. Money

Banks and brokerages — institution names and login locations (not statements)
What autopays from where; subscriptions worth cancelling fast
Insurance policies: insurer, policy number, where the original is
Crypto: that it exists, and where the recovery plan lives

3. Documents

Will/trust location and the lawyer's name
Deeds, titles, birth/marriage certificates — physical locations

4. People

Lawyer, accountant, financial advisor
The tech-savvy friend
Employer/business contacts who must know quickly

5. Letters

The things you'd want said — see digital time capsules

Why the paper folder fails

It's readable today. Anyone in the house can open it — the folder is a standing security hole. It goes stale. Passwords rotate; the folder doesn't. It's findable only if findable. The emergency happens abroad; the folder is in a drawer nobody checks.

The fixed version

Keep the same checklist, but seal it: a Capsulene capsule is encrypted in your browser before upload, editable in minutes when something rotates, and delivered to your chosen person only if you permanently stop answering check-ins — grace period and reminders first. Sealed today, current always, delivered exactly once it should be.

Turn this checklist into a sealed capsule — free to start.

Create your capsule