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The short answer
A letter of instruction is the unofficial document that tells your family where everything is: the accounts, the contacts, the keys, where the passwords live (never the passwords themselves), and what you want. No legal force, no witnesses, no lawyer. Write it in an evening, keep it with your documents, and update it when life changes.
Reviewed August 2026
Before you start
The practical letter your family reads first: where things are, who to call, what happens in the first week. Practical details may be more useful in a separate letter than in a will: where accounts are held, who to call, where important items are, and what you prefer. Do not include passwords or other sensitive credentials. Tell a trusted person where to find the letter and keep it current.
Hand your spouse the whole map →Premium Tool
The practical letter your family reads first: where the will is, who to call, who feeds the dog, what to cancel. Fill in the form and print it. Once you have Premium, your work saves in this browser first and syncs to your account.
This letter isn’t a legal document and doesn’t replace a will.