Guide
What Happens to Your Accounts, Pensions and Digital Life After Death
The hardest part of settling an estate is rarely the paperwork itself. It's discovery — nobody knows which pensions exist, which insurer holds the policy, or where the will is kept. The documents exist. The map doesn't.
The discovery problem
Executors routinely spend months tracing accounts: a workplace pension from two jobs ago, a life insurance policy with an unnamed beneficiary, a solicitor's name nobody remembers. Unclaimed pension and insurance assets run into the billions precisely because the paper trail died with the person who understood it.
Breadcrumbs, not documents
You do not need to upload your will to the cloud — and you shouldn't. What your family needs is a pointer: the category, the provider, the reference number, the bereavement contact, and where the physical document lives. 'Joint will, ref WILL-2019-JM, Smith & Co solicitors, folder 3.' That single line saves weeks.
What belongs in an emergency record
Wills and estate documents. Pensions with type, provider, and retirement age. Life insurance with sum assured and nominated beneficiary. Investments and ISAs. Property deeds and mortgage provider. Digital assets. And executor contacts, linked to the family members they relate to.
Access when it's needed, protection until then
NYROX stores ICE records encrypted on your device — the server cannot read them. For the moment they're actually needed, an emergency access dead-man's switch lets a trusted contact request entry; you're notified and can cancel within a 24-hour window. There's also a printable PDF export with a QR code for a physical backup in a safe.
