One missed check-in does nothing.
A single unanswered message isn't a signal. A full sequence of reminders has to go unanswered first. A lost phone, a long flight, a hospital stay: the sequence exists so none of those reads as silence.
Your accounts, documents and instructions in one encrypted place, with a letter in your own words for the people you name.
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Mar 14, 2026 · 9:12 AM
Next one already scheduled
01The mechanism
1 — You set it up
Files in the vault. A letter for the people you name. The email and phone where we reach you. Change what's inside whenever.
Active Life Verification is on
2 — We check in
A short message by email, and by SMS if you added your phone. Answering it resets the clock. That's the whole ongoing commitment.
Hi Ana — this is your scheduled check-in. Tap the link to confirm and we'll leave you alone until the next one.
Clock reset · vault stays sealed
3 — Only silence starts the handover
If the full reminder sequence goes unanswered, each person you named gets a secure invitation at the email you entered, with a private link and a 30-day access window. Every download is logged.
Check-in sent
Email + SMS
Reminder 1
No answer yet
Reminder 2
No answer yet
Final reminder
No answer yet
Handover begins
Invitations sent to 3 named grantees
Nobody opens anything while you're answering check-ins. Not your grantees, and not us outside a verified handover. Every access is logged.
Sent to
elena.m@personal-email.com
Private link · opened Mar 30, 2026
Start with the file called accounts-and-logins. The mortgage is with the credit union on Third, and Rosa there already knows us.
02Before anything else
Easy to file under the wrong category. So, plainly:
Documents, policies, credentials, letters — protected with bank-level encryption.
Nothing leaves the vault while you're answering check-ins. That condition is the whole product.
You name the people. Everyone gets your letter, and on the top plan you decide which files reach which hands.
The job is arrival, not redundancy. Keep the 40,000 photos elsewhere. Put here the twelve files your family will have to find.
It doesn't move property or name an executor. It covers what a will can't hold: passwords, logins, and who to call first.
Nothing autofills from here. This is the copy that opens once, for the people you named.
03The gap
Mortgages, accounts, policies, subscriptions, the two-factor codes that unlock all of it. They know these things exist. They don't know where, or who to call first. That map lives in your head.
None of this needs a tragedy to be worth fixing. It needs what only you know, written down somewhere that knows when to open.
04What you set up
4.1Digital Vault
Policies, deeds, tax records, account lists, the scan of the thing in the drawer. Kept in one place, under bank-level encryption.
4.2Instruction Letter
Write the letter only you could write: where things are, who to call, what to do first. On the top plan, you choose which file goes to which person.
Start with the file called accounts-and-logins. The mortgage is with the credit union on Third, and Rosa there already knows us. Don't cancel the car insurance before you talk to her.
The password for the email is in the account list. Everything else resets through it.
4.3Active Life Verification
We check in by email, and by SMS if you add your phone. Answer, and nothing changes. Miss one and you get reminders, not a delivery.
Next check-in
Apr 13, 2026 · not sent yet
Check-in confirmed
Mar 14, 2026 · 9:12 AM
Check-in confirmed
Feb 12, 2026 · 7:41 PM
Check-in confirmed
Jan 13, 2026 · 8:03 AM
Every plan comes with the document templates: a documents index, an account inventory, a legacy letter, a folder structure and a review schedule. They live in your dashboard.
05The question everyone asks second
Exactly what happens when you can't reach your phone.
A single unanswered message isn't a signal. A full sequence of reminders has to go unanswered first. A lost phone, a long flight, a hospital stay: the sequence exists so none of those reads as silence.
Reminders go to your email, and to your phone if you added one, so you don't need the original device. A laptop, a borrowed phone, a hospital tablet: one answer stops the countdown. Nothing is partially delivered in the meantime.
Every check-in we send and every answer you give is timestamped in your audit trail. If you're not sure you confirmed, you can look instead of wonder.
If a handover ever fires while you're recovering, it lands wherever you pointed it. Name at least one person who'd realistically be at your bedside or holding your keys.
One limit, stated plainly: there's no away mode, and nobody can answer a check-in for you. Only you can confirm you're here.
06Honest comparison
Most of these are good ideas. My Lasts sits next to them, not instead of them.
| The alternative | What it does well | Where it stops |
|---|---|---|
| A lawyer and a will | Legally binding. Moves property, names an executor, holds up in probate. You should still have one. | A will is read weeks later, and it can't hold your passwords or 2FA codes without publishing them into the court record. Updating it means going back to a lawyer. My Lasts holds the operational layer: credentials, the account map, the do-this-first note. You update it yourself. |
| A password manager | Excellent at daily security, and most have some form of emergency access. Keep using it. | Emergency access hands over the vault as it is: a list of logins in the order you saved them. Nothing says which account holds the mortgage, or which subscription to cancel first. My Lasts is the explanation: a letter written to one person, with the right files attached to it. |
| A shared folder in the cloud | Free, instant, and everyone already knows how to open one. | Sharing is either on now or off forever. Either your family can read everything today, or the folder dies with the account and its 2FA. My Lasts is a folder with a condition: sealed while you're checking in, opened by invitation when you stop, every download logged. |
| Just telling your family | Free, human, and honestly the right instinct. Have the conversation regardless. | Spoken information decays. People misremember the bank, the broker's name, the year. Told once in 2019, recalled under grief in 2031. My Lasts is that same conversation, written once, kept current, and delivered when they need it. |
| Google's Inactive Account Manager | Free, built into the account you already use, and it fires on its own: after 3 to 18 months without activity it notifies up to 10 people and can hand them the Google data you picked. | It hands over Google data and nothing else — not the bank, the broker, the insurer or the passwords, which never leave your Google account. And it delivers files with no note saying which one matters first. My Lasts covers every account you have, wherever it lives, with a letter that explains the order. |
| Apple's Legacy Contact | Free, takes two minutes to set up, and gives the people you name a real path to your photos, notes and documents in iCloud. | It opens on a death certificate, so it does nothing while you are alive but unreachable, and it never opens your Keychain — the passwords stay locked. Apple data only, and access expires after three years. My Lasts opens when you stop answering, whatever the reason, and access is granted per grantee. |
Scroll the table sideways to see the full comparison.
My Lasts sits next to the will and the password manager. It covers the layer neither one reaches.
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07Pricing
Every plan includes the encrypted vault, your instruction letter, Active Life Verification, and a record of every check-in, access and download. Plans differ in storage, how many people you can name, which file formats are accepted, and per-grantee file routing.
Everything your family would need, with room for the documents that matter
$60 / year
Billed once a year
No limits on storage, files or people you name
$120 / year
Billed once a year
$90 for the first year, $120 a year after that. New subscribers only.
Everything in Essential, plus:
One annual charge, no monthly option, no setup fee. Plans renew automatically and we email you before each renewal date; a plan bought on an intro offer renews at its plan price once the offer year ends. Cancel anytime to stop future renewals. The year you've already paid isn't refundable, and you keep full access until it ends.
Compare every feature side by side08Straight answers
Sustained silence, or a date you set. By default we reach out periodically by email and SMS, and any single answer resets the clock. Missing one message does nothing; only a full unanswered reminder sequence sends invitations to the people you named. If you'd rather trigger on a specific date, you can choose that instead. Nothing is triggered by anyone else.
One missed message is never enough to start anything. Reminders go to your email, and to your phone if you added one, so you can confirm from any device: a laptop, a borrowed phone, a tablet at the hospital. Every check-in and answer is timestamped in your audit trail, so you can always check where you stand. When you choose grantees, name at least one person who'd be at your side in an emergency.
Your files really are stored with us, under bank-level encryption. The difference is the condition: a backup gives you a second copy of everything, My Lasts gives specific people specific files at one specific moment. It's the shortlist, not the archive. Keep your photo backups where they are. Put here the twelve things your family would have to find.
No, and it isn't a substitute for one. A will transfers property and names an executor. If you don't have one, get one. My Lasts covers what a will can't safely hold: passwords, account maps, logins, and instructions that would end up in the public record. The two work together.
Your data is protected with bank-level encryption, both where it's stored and whenever it travels. On our side, access is limited to the few people and systems that need it, and every action is logged. Two things we won't spin: we hold the keys needed to deliver your files to your grantees, so we won't pretend that nobody but you could ever open them; and we don't yet have an independent security certification to point to. We'd rather tell you plainly what we do than dress it up.
Nobody, while your check-ins are being answered. Once a handover starts, each grantee gets a private invitation link at the exact email address you entered, valid for 30 days, and every open, view and download is logged. The limit: we don't verify government ID, so access follows control of that email address. Use a personal one, not a shared family inbox or a work account they could lose.
Billed once a year, at the price shown on the plan you choose. There's no monthly option. Renewal is automatic at the same price you paid, with an email before each renewal date: no introductory year, no step-up afterwards. Cancel anytime and future charges stop immediately, but the year you've already paid isn't refundable and you keep full access until it ends. After cancelling, your vault isn't deleted: your data stays stored, and reactivating your subscription brings everything back as you left it.
Fair question for a company that's about a year old. My Lasts is built and operated by LegacyVault Technologies LLC, a company registered in the United States, and we're not going to promise an orderly wind-down we can't prove we'd run. What we can commit to today: your files are stored in their original formats and you can download them from your vault at any time, so the documents themselves never live only on our servers. Keep your own copies somewhere you control, along with what your letter says. That's the honest version of a continuity guarantee.
09When to do this
There's usually a specific moment behind a decision like this: a baby arriving, a surgery on the calendar, a parent's health changing, a scare of your own. If one of those is in your month, that's your reason.
The rest is structural. A vault only helps if it exists before it's needed.
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My Lasts is not a legal document and does not replace a will.