Perpetual21 Blog

Protect what matters.

Guides on protecting your assets and making things clearer for the people you love.

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Your Family Can't Find Your Life Insurance Policy. Here's How to Fix That

Millions of life insurance policies go unclaimed every year because families can't find them. Here's how to make sure yours isn't one of them.

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Who Gets Your Bank Account? What Families Wish They'd Known

What happens to your bank account after death depends on how it's titled and who's named as beneficiary — not your will, and not your relationship to the deceased.

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How to Pass Your Brokerage Account to Your Heirs

Brokerage account inheritance doesn't have to mean probate or delays — here's exactly how to pass your investment accounts to your heirs without the headaches.

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What Happens to Real Estate When You Die Without a Plan?

Real estate is the most valuable asset most families own — and one of the most complicated to transfer at death. Here's what happens if you don't have a plan.

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What Happens to Your Life Insurance When You Die?

Life insurance after death doesn't pay itself — your family has to claim it. Here's why policies go unclaimed and how to make sure yours doesn't.

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What Happens to Your 401(k) When You Die?

Your 401(k) bypasses your will entirely — it goes to whoever is named on a form you probably filled out decades ago. Here's what actually happens to retirement accounts when you die, and the mistakes that cost families everything.

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What Happens to Your Crypto When You Die? (And How to Make Sure Your Family Gets It)

Roughly 3.7 million Bitcoin is permanently lost — much of it from people who died without leaving access instructions. Here's how to make sure your family can actually inherit your crypto.

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