What to Include in an “If I Die” Binder: A Comprehensive Guide

Creating an “If I Die” binder may feel uncomfortable, but it’s one of the most thoughtful and responsible actions you can take to prepare your loved ones for an unexpected event. This binder ensures that your important information, plans, and wishes are clearly organized and accessible in a time of need. Here’s a comprehensive guide to what should be included in your “If I Die” binder:

1. Personal Information

• Full name, date of birth, and Social Security number
• Contact information (address, phone number, email)
• Emergency contacts (family, close friends, attorney, etc.)

2. Important Documents

• Birth certificate and marriage certificate
• Divorce decrees, if applicable
• Passport and driver’s license copies
• Military service records

3. Financial Information

• Bank account details (account numbers, institution names, online login credentials)
• Investment accounts (brokerage accounts, retirement funds, etc.)
• Debts and loans (mortgages, credit cards, car loans, personal loans)
• Insurance policies (life, health, auto, home, disability)

4. Legal Documents

• Will and living will
• Power of attorney (financial and medical)
• Trust documents, if applicable
• Copies of any signed contracts or leases

5. Funeral and Burial Preferences

• Specific instructions for burial or cremation
• Preferred funeral service details (music, readings, location)
• Contact details for your preferred funeral home

6. Digital Life

• Online account login credentials (social media, email, cloud storage)
• Instructions on what to do with social media profiles
• Access to digital subscriptions (Netflix, Spotify, etc.)

7. Household Information

• Utility accounts (electricity, gas, water, internet)
• Home maintenance contacts (plumber, electrician, lawn service)
• Details on home security system or alarm codes

8. Assets and Property

• Real estate ownership details
• Vehicle titles and registration information
• Valuable possessions (jewelry, art, collectibles)
• Inventory of personal belongings

9. Instructions for Dependents and Pets

• Care instructions for children or elderly dependents
• Care instructions for pets (feeding schedule, veterinarian info)

10. Letters to Loved Ones

• Personal letters to family members and friends
• Messages you’d like to leave behind

11. How to Access the Binder

• Details on where the binder is stored
• Instructions on who should access the binder

Final Tips for Your “If I Die” Binder:

1. Keep It Secure: Store the binder in a safe place, such as a fireproof safe.
2. Inform Trusted People: Let at least one trusted person know where the binder is located.