Critical information to the right people at the right time

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MyLifeLocker™  - Critical information to the right people at the right time


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We make things simple

MyLifeLocker™ is convenient, secure and a modern day solution to an age old problem.

  • There is close to a Billion pounds sitting in unclaimed bank accounts, according to recent estimates.

    After a while, the government just takes that money.

  • If you were left incapacitated, or if you pass away, your representatives must take control of your finances.

    After you have died, your Executor has the responsibility to gather up your assets. The problem is, people have quite distributed accounts now, and rarely have a paper trail. Most people no longer receive printed statements; they are emailed or provided by a notification in a mobile application.

  • How can your Executor possibly know where all of your accounts are?

    How can they know when their work is done?

  • Every day we receive calls from family members.

    They have been appointed as an Executor or as a representative through a Lasting Power of Attorney. But they have absolutely no idea how to start.

  • MyLifeLocker™ is our solution.

    It solves a problem that is becoming more acute as we become increasingly digital and global.


Create your LifeLocker right now using the MyLifeLocker™  wizard

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How does it work?

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Why would I need MyLifeLocker™?

How many bank accounts do you have? How many online accounts? How many subscriptions? If something were to happen to you today, and somebody had to take responsibility for your financial situation, how well have you documented your financial interests?

Is it possible that one of your accounts could be overlooked? You may have a small investment account, or an online betting account, what about a cryptocurrency investment, or a PayPal account. Maybe you are receiving revenues from a blog, or a YouTube channel.

Do you have ongoing payments for services that automatically charge unless you cancel?

The most difficult job for an Executor is gathering up your assets. MyLifeLocker™ makes this task manageable, and ensures that nothing gets overlooked.

Wouldn't I just put this information into my Will?

There are two reasons why this is a bad idea.

Your assets change over time, but a Will has very formal signing requirements. Every change that is made to your Will must be initialled, and then initialled by two attending witnesses. You really don't want to do this too many times to the same document. It makes much more sense to document your assets separately and to store this inventory with your formal Will. Your Will typically refers to "your estate" which is made up of whatever assets you own at the time of your death.

Furthermore, once your Will is probated, then it becomes a public document; anybody can read it. You may not want everybody to read details of all of your assets. And certainly not online accounts. It is more discrete to keep this information in a separate document that will not go through the probate process.

What kind of information can I put into MyLifeLocker™?

MyLifeLocker™ is made up of fifty sections. These are broadly categorised as information about your family. It then allows you to describe your important assets, like a home, any vehicles, storage boxes, and perhaps a safe.

The next section deals with your money; bank accounts, retirement and pension plans, insurance policies, credit cards, loans.

There is a separate section for your digital assets including all online accounts.

MyLifeLocker™ then allows you to include the details of important people to contact including banks, doctors, funeral homes and others.

Finally, there is a section for "Everything Else" including charities, Executor instructions and instructions for anybody appointed through a Lasting Power of Attorney.

Who has access to MyLifeLocker™?

This is set up through our Keyholder® System. You can secure your information, and then grant access for specific individuals. They are given a unique Keyholder® ID that gives them access to certain services that you have set up within your account. If a Keyholder® tries to view your LifeLocker, you will be notified. If, after a period of time, you do not block this access, then your Keyholder® (usually your Executor) will be able to view the contents of your LifeLocker.

Are there uses for this beyond providing information for my Executor?

Yes. If you have set up a Lasting Power of Attorney for Finances, then you are giving somebody the responsibility to handle your financial affairs if you were ever incapacitated.

If this person is not familiar with your financial portfolio, it is a daunting responsibility. You can make your attorney one of your Keyholders®, and they will be able to access your LifeLocker if you were ever incapacitated.

Does it include Digital Assets?

Yes. This is an increasingly important topic. If you were to pass away, who will take responsibility for your Facebook account? Your online photo storage? Your digital music collection? Your PayPal account? Your LinkedIn Profile? Your Paddy Power account? Your Bitcoin? If you have stored the last ten years of family photos in Apple's cloud or in Google photos, you have to make sure that this important asset is not lost.

Is the information secure?

The security of your information is critical to the business success of It is a core tenet of our business. We are GDPR compliant and store all information in an encrypted format on our servers. No information is stored as plain text. Over the 24 years we have been in business, we have never experienced unauthorised access to our servers, but even if this happened, the data from our MyLifeLocker™ service would not be visible. Read more information about our security


Create your LifeLocker right now using the MyLifeLocker™  wizard

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In The News:

"Online services, like the one provided by are becoming more sophisticated, but are built from the same software used by estate planning solicitors."

The Money Whisperer
Emma Maslin, The Money Whisperer, PARENTING & MONEY, PERSONAL FINANCE

What They Say About Us