Password vault for families to pass down accounts and documents during emergencies

This happens every day. The average person has 100+ online accounts. When they die, those accounts become locked boxes. Surviving family members are left calling customer support lines, mailing death certificates, and hiring lawyers - all while grieving.

Existing solutions fail. Trustworthy charges $250/year and can't sync basic accounts like mortgages and credit cards. 1Password has family sharing but isn't designed for emergency access. Google's Inactive Account Manager only covers Google. Nobody has built a simple, affordable vault designed specifically for the "what if I die tomorrow" problem.

The product is dead simple. You add your accounts, passwords, insurance policies, important contacts, and documents. You designate a trusted person. They get access through a verified process - either timed inactivity trigger, manual release, or death certificate verification. No complex financial integrations needed. Just a secure, organized place for everything your family would need.

Start with a web app. Encrypted vault with categories: banking, insurance, investments, property, subscriptions, medical, legal. Each entry has account name, login details, notes, and uploaded documents. The trusted person gets a sealed link that activates under the conditions you set. Build for 100 beta users recruited from r/personalfinance and caregiver Facebook groups. Success metric: every beta user adds at least 10 accounts in the first week.

Pricing at $5/month or $48/year undercuts Trustworthy by 80%. A family plan at $8/month covers both partners. The emotional weight of the purchase means churn is near zero - nobody cancels their death preparation app. At 10,000 subscribers averaging $6/month, that's $720K ARR. Estate planning attorneys and financial advisors become referral channels, recommending the vault as part of their standard client onboarding.