FAQs

User Registration

You need to create an account by clicking this link – app.lifeledger.com – and then we need some basic information about who you are.

 

We need to pass your details on to the companies that are being notified both for their records and to contact you if necessary

Yes, simply use any device and login using your email address and password

An individual account is for when you are registering as a person who is registering a single death or life. A professional account is for the likes of solicitors, IFAs or probate services who might be dealing with multiple cases at the same time.

Identity Verification

It helps us protect you and the notified companies against fraud, by verifying you against a Government ID (passport or driving licence) to make sure they match

It’s really simple, click on the ID verification tab in your account, and then follow the instructions. You will have to hold up your Government-issued ID to the camera on your computer or mobile device, then you will need to look into the camera while it takes a photograph of your face. The identity provider we work with will then verify the authenticity of the document, check databases to ensure that the document hasn’t been stolen, and perform a biometric liveness check to match the image on the identity to the photograph.

You can always log in to your mobile phone, or someone else’s computer who does have a computer to do the ID verification. We will soon be launching a partnership with the Post Office, which will allow you to verify your ID at a branch of the Post Office.

We will store these securely on our servers while you still have an active account, these will only be passed on to companies who actively state that they need a copy of the identity (usually banks and building societies) and then only if actively requested.

Registering a Death

The first thing you need to do from your dashboard is to select ‘Register a Death’ and from then enter the details of the deceased

This is something we pass on to all the companies so that they don’t disturb you on this day to ensure that you can concentrate on grieving

We ask you to upload a copy of the death certificate as a lot of companies require this for their records. However, we do not use it as a proof of death – we match the data you give us about the deceased with the information used to formally register the death at the Register Office to help prevent any fraud.

You can create your account, and add all the details needed to notify companies so all the information is ready to go.  As soon as you have the certificate, you can upload it and press send on all the notifications.

Sometimes when one partner dies, they might have utility accounts or insurance cover in their sole name. In order for the surviving partner to receive uninterrupted service or cover we can request that the companies look to transfer or switch accounts or cover into the partner’s name.

You absolutely don’t need to upload a copy of the Will. We only ever send it out to companies who require it as part of the probate process where there are largish sums of money held by a bank or building society. Uploading it minimises the amount of contact they need to have with you.

That doesn’t matter, you can always add it to your dashboard at a later date

If the deceased had a Will, then the executors are the people charged with administering the estate. They ought to be the primary point of contact for the companies as they settle outstanding debits, or collate credits.

It doesn’t matter, you can always add all their details at a later date from your dashboard

For GDPR purposes we need to notify anyone whose data we hold in our system and are sharing with others. Once you have added them they will be notified that you have added them to this particular death registration, they will be asked to set up an account, which will be read only, unless you change their permissions?

Registering a Life

You can register either yourself or someone else so that you can start bringing all their account information into one place so that on death the account can be transferred into a registered death and all the notifications will be ready to send. It’s a little bit of forward thinking to remove the administrative burden after your or their death, and allows the relatives more time to grieve properly.

From our homepage select ‘Register a Life’ and then if you already have an account login, and if not set up a new account.  Then once you’re in, choose the option to register yourself and the fields will prepopulate.

Then you will need to enter their details into the system. If they have an email address, we will then notify them that you have registered their life on Life Ledger and they will be invited to login and view their registered life. They will only be able to view the information and won’t be able to make any changes unless they ask you to upgrade their permissions.

Sometimes when one partner dies, they might have utility accounts or insurance cover in their sole name. In order for the surviving partner to receive uninterrupted service or cover we can request that the companies look to transfer or switch accounts or cover into the partner’s name.

You absolutely don’t need to upload a copy of the Will. We only ever send it out to companies who require it as part of the probate process where there are largish sums of money held by a bank or building society. Uploading it just minimises the amount of contact they will need to have.

You simply need the account or policy number (and sort code in the case of a bank), or username – we never ask for passwords as we don’t need access to your account. So, all your information is secure.

We suggest you add collaborators (your next of kin or executors) to your account so they have access to the information.  They can then easily convert the registration to send notifications when you’re gone.

The first three companies that you add to your dashboard are free, beyond that we have a small annual charge of £10. For this we keep all your information securely stored for the year, and when it comes to renewal we prompt you to check that all your information is still correct and you haven’t transferred accounts to another company.

Sending Notifications

We are aiming to be a private sector Tell Us Once, a one-stop platform from which you can notify most of the companies you have accounts with. They will include:

  • Banks
  • Building Societies
  • Credit Cards
  • Insurance (Car, pet, health, life, travel)
  • Loyalty cards
  • Pensions
  • Social media
  • Streaming services
  • Subscription services
  • Utilities (electricity, gas, water, broadband, TV, mobile phone)

Simply, go to your dashboard and click on Add Service Provider from the top right. Then select the sector (Financial Services, Insurance etc) and then select the sub sector (Pet, Travel, Life, Health insurance) and the company. Then enter the account number or reference and click Add.

Life Ledger simply acts as a conduit between you and the companies you need to notify. We provide a platform for you to do it quickly, simply and efficiently. You are the notifier of death and the companies will liaise with you should they require any additional documents or information.

Until we have certain bits of information we can’t send the notifications. These are:

  • Deceased’s details
  • Copy of the death certificate

We also need to have verified your identity before we can send the notifications.

 

Just start again and resubmit a notification for that company adding in the correct details

The company in question will receive a notification from us with all the data they need to close, freeze or switch the account. Once they have processed the data they will send us back a reference number which will appear on your dashboard. You will receive an email from us saying that the company has processed the notification.

We resend the notification to the company after 36 hours, and after 60 hours we make a manual intervention and talk directly to the company on your behalf.