Most of us now have multiple on-line accounts that require some sort of password in order to access that account. Concerns about privacy and protecting assets make us inclined to keep these passwords secret. Unfortunately, very few people consider what happens if they die and no one can access their on-line accounts.
Your asset protection/estate planning should include leaving a list of on-line accounts (including passwords) with a trusted advisor or family member. This will avoid a lot of wasted time and effort in the event of your death or disability.