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 written to each of the people you name.
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Mar 14, 2026 · 9:12 AM
Next one already scheduled
01Before 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 decide who receives which letter, which files, and for how long.
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.
02The 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.
03What you set up
3.1Digital Vault
Policies, deeds, tax records, account lists, the scan of the thing in the drawer. Kept under bank-level encryption, organized however you want.
3.2Instruction Letters
Write to one person at a time. Attach the files that letter needs. On the top plan, choose which file goes to which person.
Elena — start with the folder called Accounts. The mortgage is with the credit union on Third, and Rosa there already knows you. Don't cancel the car insurance before you talk to her.
The password for the email is in the file attached below. Everything else resets through it.
3.3Active Life Verification
We check in by email and SMS. Answer, and nothing changes. Miss one and you get reminders, not a delivery.
Next check-in
Apr 13, 2026 · not sent yet
Confirmed from laptop
Mar 14, 2026 · 9:12 AM · answered in 4 min
Confirmed from phone
Feb 12, 2026 · 7:41 PM · answered in 2 h
Confirmed from phone
Jan 13, 2026 · 8:03 AM · answered in 11 min
04The mechanism
1 — You set it up
Files in the vault. Letters to the people you name. The email and phone where we reach you. Change any of it whenever.
Active Life Verification is on
2 — We check in
A short message by email and SMS. Answering it resets the clock. That's the whole ongoing commitment.
Hi Ana — this is your scheduled check-in. Reply 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. They set their own password and get 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
One-time link · opened Mar 30, 2026
Elena — start with the folder called Accounts. The mortgage is with the credit union on Third, and Rosa there already knows you.
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 your phone, 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
Three 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. |
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, instruction letters, Active Life Verification, the audit trail and full export. Plans differ in storage, how many people you can name, which file formats are accepted, and per-grantee file routing.
$30 / year
Billed once a year — about $3 a month
$60 / year
Billed once a year — about $5 a month
Everything in Forever, plus:
$48 / year
Billed once a year — about $4 a month
Everything in Forever, plus:
One annual charge, no monthly option, no setup fee. Plans renew automatically at the same price you paid, and we email you before each renewal date. 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
One thing only: sustained silence. 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. Nothing is date-based, and nothing is triggered by anyone else.
One missed message is never enough to start anything. Reminders go to your email and your phone, 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 one-time invitation at the exact email address you entered, creates their own password, and has access for a window you set, 30 days by default. Every 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 data stays stored for 6 months, then moves to cold storage for another 12 before deletion, with notices along the way and reactivation available at any point.
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, letters and settings stay exportable in standard formats at any time, so your plan never lives only on our servers. Export a copy and keep it somewhere you control. That's the only continuity guarantee that doesn't depend on us.
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.