If Something Happens
To Me.
The one document your family needs. A complete checklist of every financial account, policy, property, document, and instruction — so your loved ones aren't left searching in the worst moment of their lives.
90% of Indian families don't have this document. It takes 30 minutes to fill out. It could save your family months of confusion, legal fees, and lost assets.
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What's Inside the Family Emergency File
10 sections covering every aspect of your financial life. Fill it out once, update it annually, and keep it where your family can find it.
account_balance 1. Bank Accounts & Fixed Deposits
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- check_box_outline_blank Bank name, branch, account number
- check_box_outline_blank NRE / NRO / Savings / Current type
- check_box_outline_blank Joint holder details
- check_box_outline_blank Nominated beneficiary
- check_box_outline_blank Net banking credentials location
- check_box_outline_blank FD maturity dates and auto-renewal status
trending_up 2. Investments
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- check_box_outline_blank Demat account details (broker, DP ID)
- check_box_outline_blank Mutual fund folios (AMC-wise)
- check_box_outline_blank SIP details and mandate bank
- check_box_outline_blank PPF / NPS / EPF account numbers
- check_box_outline_blank AIF / PMS commitments
- check_box_outline_blank Unlisted shares or startup equity
health_and_safety 3. Insurance Policies
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- check_box_outline_blank Term life — policy number, sum assured, nominee
- check_box_outline_blank Health — policy number, hospital network, family covered
- check_box_outline_blank Motor — policy number, renewal date
- check_box_outline_blank Premium payment dates and auto-debit bank
- check_box_outline_blank Claim process contact for each policy
apartment 4. Property & Real Estate
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- check_box_outline_blank Address and type (residential / commercial / land)
- check_box_outline_blank Sale deed and title document location
- check_box_outline_blank Outstanding home loan details
- check_box_outline_blank Rental income and tenant agreements
- check_box_outline_blank Property tax payment status
- check_box_outline_blank RERA registration number (if applicable)
monetization_on 5. Gold & Valuables
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- check_box_outline_blank Physical gold — location and approximate weight
- check_box_outline_blank Digital gold — platform and account
- check_box_outline_blank Sovereign Gold Bonds — demat or certificate
- check_box_outline_blank Locker details — bank, branch, key location
- check_box_outline_blank Jewelry — approximate value and location
history_edu 6. Will & Estate Documents
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- check_box_outline_blank Will exists? Location of original
- check_box_outline_blank Executor name and contact
- check_box_outline_blank Trust documents (if any)
- check_box_outline_blank Power of Attorney — who holds it, scope
- check_box_outline_blank Succession plan for business interests
person 7. Key Contacts
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- check_box_outline_blank Chartered Accountant — name, phone, email
- check_box_outline_blank Lawyer — name, phone, specialization
- check_box_outline_blank Financial advisor / wealth manager
- check_box_outline_blank Bank relationship manager
- check_box_outline_blank Insurance agent / POSP
- check_box_outline_blank Trusted family member for financial matters
devices 8. Digital Life
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- check_box_outline_blank Email accounts and recovery methods
- check_box_outline_blank Password manager — which one, master access
- check_box_outline_blank Subscriptions with auto-renewal (list all)
- check_box_outline_blank Social media accounts
- check_box_outline_blank Cloud storage (Google Drive, iCloud, Dropbox)
- check_box_outline_blank Crypto wallets and seed phrase location
language 9. NRI-Specific (if applicable)
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- check_box_outline_blank NRE / NRO account details
- check_box_outline_blank Overseas bank accounts and investments
- check_box_outline_blank LRS utilization this financial year
- check_box_outline_blank FEMA compliance status
- check_box_outline_blank Power of Attorney holder in India
- check_box_outline_blank Tax filing status — both countries
- check_box_outline_blank DTAA benefits being claimed
emergency 10. Emergency Instructions
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- check_box_outline_blank First 24 hours — who to call, what to secure
- check_box_outline_blank First week — insurance claims to file, accounts to freeze
- check_box_outline_blank First month — legal steps, succession certificate if needed
- check_box_outline_blank Ongoing — SIPs to continue or stop, EMIs to manage
- check_box_outline_blank Important passwords or access codes
Why This Matters
6-18
months for succession certificate
Without a will or documented asset list, your family faces months of legal process and INR 10-20 lakh in costs.
60%
of nominees are outdated
Most Indians haven't updated nominees since account opening. Ex-spouses, deceased parents, or missing nominees create legal nightmares.
INR 7L Cr
in unclaimed assets
India has over INR 7 lakh crore in unclaimed deposits, insurance, and shares — because families didn't know they existed.
Get Your Family Emergency File
30 minutes now could save your family months of confusion later.
Found gaps while filling this out?
Missing nominees, no will, inadequate insurance, FEMA non-compliance — every blank field is a risk. ZenoWealth helps you close every gap with 12 wealth verticals under one platform.
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