UK Edition

The will says who gets what. It does not say where anything is.

A guided planner that maps the full access chain: the phone, the email, every account, every bill and who to call first, in the order your family will need it. All in one book, in your own handwriting.

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“Very impressed by the book... It contains things I would never have thought about.”

Philip D, Lamorial Customer
Why families get stuck

The Will Is The Easy Part.

Picture a mother who did everything right. There is a will, signed and kept at the solicitor’s office. The papers are in the filing cabinet.

And still, in the weeks after she is gone, her daughter ends up at the kitchen table with a stack of post, a laptop she cannot get into, and questions nobody can answer.

  • Which email does the bank send its reset link to?
  • Which card is the streaming service billing?
  • Is there a pension, and which account does it pay into?
The will told her who gets what. Nothing told her how to get in.

So the daughter becomes a detective. She opens drawers, reads old statements and calls one company at a time. Some close the account with a death certificate. Some take weeks of back and forth. Some won’t talk to her at all without a court order.

Nobody did anything wrong. The full access chain was simply never written down in one place, in the order she would need it. That is the scavenger hunt, and it lands on the person who loved her most.

Someday it may be your daughter at your kitchen table. Here is the road she walks, and what changes when there is a plan.

The road ahead

What The Family Faces, One Stage At A Time.

Every family’s timeline is different. Each stage is calmer when the answers are already written down.

1

The first 48 hoursKeep, open, call.

  • Keep the phone line active. The verification codes go to it.
  • Open the primary email. Check for bills and account alerts.
  • Arrange care for any pets. Animals cannot wait.
  • Register the death within five days (eight in Scotland) and buy several certified copies. Each bank will want one.
  • Call the solicitor. They will help sequence everything else.
The daughter is blindsided by 100 accounts and no idea where to begin.
2

The first monthNotify, hold, cancel.

  • Tell the bank. Accounts in one name alone are frozen once the bank is told.
  • Report the death through Tell Us Once. State Pension paid for the days after death is owed back, so do not spend it.
  • Call the mortgage lender early. The mortgage does not disappear.
  • Stop the subscriptions. Cancelling a card may not cancel a direct debit.
  • Apply for the grant of probate, the document that lets the executor act. It can take weeks or months to arrive, and it does not open a single login.
The account at the first bank is frozen. The subscriptions keep billing a card at a second bank that nobody knew about.
3

The first yearSettle, close, hand over.

  • Settling the estate runs its course, commonly nine to twelve months.
  • Each pension is paid out by its trustees, guided by the expression of wish form on file. The will does not control it.
  • Decide what to cancel, transfer or hold. The cloud account with the family photos usually belongs in Hold or Transfer.
  • Find the old inboxes. Yahoo closes a mailbox after 12 months without a sign-in. Gmail, after two years.
The brokerage statements go paperless to an inbox no one can open. Its reset link goes to an old Yahoo address, closed after a year of silence. The account is still there. The door to it is not.

Timelines differ in Scotland and Northern Ireland. Where a legal step comes up, the planner points you to the right professional.

The real problem

Three Systems. None Of Them Talk To Each Other.

The solicitor holds one, the phone and computer another, the house the third. Nobody connects them, so the family does, one locked door at a time.

The will and the court

The will names who inherits. The grant of probate lets the executor deal with the bank, but it does not open logins. A lasting power of attorney ends the moment the person passes, and the expression of wish on a pension guides where that money goes, not the will.

In the plannerWhich solicitor holds the original will, whether each account is sole or joint, the expression of wish on each pension, and where every important document is kept.

The accounts and the logins

Behind almost every account is a chain of locks, and each one is a separate piece of knowledge.

  1. The primary email, where reset links land. “If your family can access this inbox, they can unlock almost every other account.”
  2. The old recovery email nobody checks anymore.
  3. The security questions answered years ago.
  4. The authenticator app. “If the phone is lost and no one knows about this app, those accounts are locked permanently.”
  5. The cloud. Apple’s Legacy Contact gives the family the photos, not one password.
In the planner
  • The primary email and the old addresses
  • Twenty recovery questions
  • The authenticator apps
  • The password manager

Every account, the full access chain, mapped out in the order they’ll need it.

The home and the bills

As the planner puts it, “Bills keep coming regardless of circumstances.” The electricity, the water, the internet, the alarm: each has a login, a billing day and a card. Subscriptions bill until someone logs in and cancels, and many simply try the next card on file.

In the plannerRoom for 18 utilities with logins and the last four digits of each card, plus every subscription and automatic payment in one place.
That is the map nobody hands you: which inbox, which account, which card, who to call first.

So we put it in a book.

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The planner

Meet The 'End of Life' Planner & Journal By Lamorial.

The navy Everything They'll Need planner, UK Edition, with gold foil lettering, on a marble table.

It’s a real, printed planner for everything they’ll need. You fill it in by hand, at your own pace, and keep it where your family will find it.

  • 83 guided pages across 9 sections.
  • Every page tells you what to write. You are never staring at a blank page.
  • Pencil-friendly. The planner’s own advice: “Write in pencil if you can. Passwords change.”
  • Large, high-contrast print.
  • Nothing is stored online. No app, no login, no subscription.
The household manual that has only ever lived in your head, written down for the people you love.
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What’s inside

83 Guided Pages. Every Page Tells You What To Write.

The First 48 Hours

One page for whoever picks up the book on the day it matters: eleven steps, in order. “You do not need to do everything today.”

Everything feels urgent at once.

Phone & Digital Access

Start here. This is what unlocks everything else. The phone and its network, the primary & recovery emails, authenticator apps, the password manager and twenty recovery questions.

Passwords change. These answers never do. And no one can get in without them.

Financial Accounts

Room for eight bank accounts, each marked sole or joint, and nine credit cards. Pensions, ISAs and investment accounts, the mortgage, loans and benefits.

On a pension, the expression of wish guides where the money goes. “The will does not control this.” No one checks a form they do not know exists.

Home & Vehicles

Eighteen utilities and home services, each with its login, billing day, card and auto-pay. The alarm code, the Wi-Fi, where the deeds are kept, the spare keys and two vehicles.

The post piles up. “Letting it accumulate creates identity theft risk.”

Subscriptions & Auto-Payments

A 20-row monthly table with Netflix, Spotify and Amazon Prime already listed. Annual memberships, cloud storage marked Cancel, Transfer or Hold, and a Cancellation Log.

“Services from £3 a month to £1,000 a year will keep charging until someone logs in and cancels.”

People to Call

The solicitor and which documents they hold, the accountant, the executor and the financial adviser. Doctors, allergies, both lasting powers of attorney, the neighbour with the key, and care notes for two pets.

“In any financial or legal emergency, call the solicitor first.” First, they have to know which solicitor.

Social Media & Digital Assets

Nineteen platforms, three more email accounts, online shopping and any Buy Now, Pay Later balances. For a crypto wallet, where the recovery words are kept, never the words themselves.

“Social media accounts don’t close automatically.” Without the logins, they “can remain active indefinitely.”

Important Documents

A location register, not a storage place: “Write where each document is kept, not the document details themselves.” The vital records, twenty-one document locations and the safe.

The register office asks for her parents’ full names and where she was born. “Most families cannot answer them from memory.”

Personal Messages

Optional pages for the words only you can write: A letter to my children, 'What I Want You to Know', Final Wishes & Requests and One More Thing.

The practical pages still do their job. The words you meant to say stay unsaid.

Keeping This Planner Current

When to update it, an annual review page, and the last step of all: where this planner is kept, and who has been told.

“It means nothing if no one can find it.”

Also inside: a plain-English glossary and a checklist of the paperwork banks ask for.

A look inside

Open It, And You Know What To Write.

The planner open to the Phone and Digital Access pages.
Phone & Digital Access: the device, the account behind it, the network and the Apple Legacy Contact, each on its own labelled line.
The UK Edition planner in an open desk drawer beside a passport and a set of keys.
The last step is a page called Where This Planner Is Kept: which room, which drawer, and who has been told. If it ever moves, one text tells them. “That one sentence could save months.”
The sizeLarge A4 pages, with plenty of room to write clearly.

So what does it cost to get all of this written down?

The math

Two Different Jobs. Two Very Different Prices.

A solicitor’s will and lasting powers of attorney for a couple commonly run about £1,000 to £2,500, and it is worth it. Those are the legal documents, and this book does not replace any of them.

But a solicitor will not write down which inbox gets the reset codes, which card the water bill charges, or where the spare garage key lives. That is a different job.

The solicitorabout£1,000 to £2,500Settles who inherits and who speaks for the estate.
The planner£35Records where everything is, how to get in, and who to call first, in your own handwriting.

Typical range, estimate only. Fees vary by firm and region.

Two versions of the same month.

Without it: The reset link goes to an old Yahoo address no one knew about.
With it: The Master Key page: the primary email, the old recovery address, and the steps to reset it.
Without it: A savings account she opened years ago never comes up. It sits untouched for fifteen years, then goes into the dormant assets scheme.
With it: Every account, what it is for, and the name of someone at the bank who knows her.
Without it: Years of air miles and hotel points, worth real money, expire because nobody knew the accounts existed.
With it: Every rewards program, the rough balance and the login, so the family can use or transfer the points before the accounts close.
And the planner is right where she said it would be, because she told someone.
In their words

From The Families Who Bought It.

From a retired financial adviser

Closing estates has become increasingly complicated in this era of paperless statements, subscriptions, automatic bill payments, crypto wallets, endless passwords and cell phones. This planner helps you organize all those details and more in one place.”

Wendy D. Lamorial Customer
From a professional organiser

Not only is it beautifully bound and well presented, but it contains more information than any other planner I have seen... It is not just passwords.”

Denise B. Lamorial Customer
From someone already organised

I am an exceptionally organized person... However, the planner had 6 more questions that I had not covered and about 10 suggestions for my existing information. Well worth the purchase.”

Jill M. Lamorial Customer
On her mother’s affairs

I manage my mother’s estate and finances... this book puts it all in one easy booklet (which is simple yet beautiful) that I can grab and go... I will be purchasing another for myself and one for my sisters too!”

MarieAnne D. Lamorial Customer
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For the people you love

Most People Order More Than One.

More than half of our orders are for two or more planners.

One for you and your husband. One for your sister and yourself. One for each of the children. Everyone holds the same map.

Two UK Edition planners on a kitchen counter beside a coffee and a set of keys.

If It Is For Your Children

You are not starting a hard conversation. You are handing them a book, and the moment they open it they understand what you have done for them.

“I absolutely love it, I bought one for myself and 1 for my 90 year old mother. She loved it too... this is far more organized and helps make sure you don’t forget any information.”

Fran P. Lamorial Customer

Order two and the second planner is 50% off. Order three and the third is free. Choose yours below.

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'End of Life' Planner & Journal, UK Edition

The End of Life Planner & Journal, UK Edition.
What you get

The Printed Planner & Free Shipping

83 guided pages across 9 sections. Large A4 pages.

  • A free e-bookWith For Both of Us and The Whole Family.
  • The Fillable Digital Edition, freeWith The Whole Family.
30DAY FREE
RETURNS

Use your planner.30-day free returns.

If it’s not the right fit for your family, email us for a full refund. No return fee, no hidden costs. That’s our guarantee.

Questions

Good To Know.

I already have a will. Do I still need this?

The will says who inherits, not where the accounts are, which inbox gets the reset codes, or who to call first. The planner sits beside the will. It does not replace it.

We are not wealthy. Is this for us?

It matters even more. In a modest estate, the family usually sorts it out alone: an old workplace pension, a joint account, a mortgage, a dozen subscriptions. The planner records where each one is and who to call.

Is filling it in going to feel heavy?

Mostly, no. It reads like a household manual: which email, which bank, which card, where the deed is. The personal letters at the back are optional.

Is it safe to write passwords on paper?

Nothing is stored online, so there is no account to hack. Keep the book somewhere secure, like a locked drawer, a home safe or our fire- and water-resistant Protection System folder. The planner even asks you to write where the safe combination is kept, not the combination itself.

Does it work in Scotland or Northern Ireland?

Yes. Where the rules differ, such as confirmation in Scotland instead of probate, the planner points you to the right professional. It is not legal, financial or tax advice.

It looks like a lot. What if I don’t finish it?

Every page tells you what to write, and you skip what does not apply. Start with the phone and the email, then take one section at a time. In the planner’s own words: “It is detailed. It is extensive. That is the point.”

What exactly do I get?

One printed planner per copy: 83 guided pages across 9 sections. For Both of Us and The Whole Family also include a free e-book, and The Whole Family adds the Fillable Digital Edition, free.

What about shipping and returns?

Shipping is free on every order. And you have 30 days: if it is not right for your family, email us for a full refund.

The last step

Give Them The Map, Not The Scavenger Hunt.

The planner’s last step ends with these words: “You have done something most people never get around to. Your family will be grateful, even if they never tell you.”

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From £35 · Free Shipping · 30-Day Free Returns

This planner is a personal organisation tool, not a legal document, and not legal, financial, medical or tax advice. It does not replace a will, a trust, a power of attorney or a licensed professional. Rules on probate and pension nominations differ between England and Wales, Scotland and Northern Ireland. Cost figures are estimates only and prices are in pounds sterling. Timelines reflect published guidance at the time of writing and may change. Customer quotes reflect each customer’s own experience.

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