YOUR PLAN · VERIFICATION POLICY

The rules that decide if, when, and to whom your plan is opened.

No item is released unless every required signal is true. Defaults are conservative; you can loosen them per recipient or per item.

Core verification

RULES THAT MUST ALL BE TRUE

Two trusted-verifier confirmations

Each verifier confirms independently. Confirmation is gated by ID match + relationship confirmation.

Death certificate uploaded & reviewed

Reviewed by the LovedForward team for issuing-authority match and state validation.

Manual admin signoff

A human at LovedForward signs off after reviewing the case. No automation can override this.

Waiting period after signoff

Final pause before any data is released. You can cancel during this window.

Incapacity rules

FOR MEDICAL EMERGENCIES — OPTIONAL

Allow temporary access for spouse during incapacity

Sam can request access to limited categories (medical directive, insurance, primary care contact) without full verified release.

Require medical-provider confirmation

Either a hospital case manager or your primary doctor must confirm in writing.

Per-category release timing

Edit in matrix

Category	Items	Release	Recipients
Finance — general accounts	11	After verified release	Sam, Jordan, Ellen
Finance — crypto / cold storage	2	Sam only · after release	Sam
Legal	6	Sam now · others after	Sam, Jordan
Insurance	3	Sam now · others after	Sam, Jordan, Ellen, Lia
Business continuity	4	After release	Hiroshi, Jordan, Sam, Ellen
Digital · passwords / 2FA	3	Sam only · after release	Sam
Funeral & wishes	3	Sam now	Sam, Priya
Letters & future messages	9	Each has its own trigger	Sam · Maya · Noah · Priya · Hiroshi

SIMULATION

If you were reported today, here's what would happen

T+0

Sam reports your passing from his account

Two-factor required. Time-stamped & logged.

T+0 → T+24h

Priya receives confirmation request, confirms within 6h

Identity match passes. 1 of 2 confirmations on record.

T+24h → T+48h

Sam uploads the certificate; admin reviews

Issuing-authority match: ✓ NY state · cause: natural · admin notes saved.

T+48h → T+96h

48-hour cancel window

You (impossible at this point) — or, if this is a mistake, no one — can hit "I am alive". Everything pauses.

T+96h

Recipients begin to receive items per the matrix

Sam: 38 items. Jordan: 9. Hiroshi: 4 + the letter. Maya: 3 letters now + future. Noah: 2 + future. Priya: 4. Ellen: 7. Lia: 1.

RECOMMENDED · ALL ON

Conservative defaults

All four checks active, 48-hour waiting period, incapacity rules limited. Most members keep this.

What we'll never do

· Release anything based on a missed login
· Release anything based on social signals or news reports
· Release anything based on a single confirmation
· Bypass these rules under "exigent circumstances"
· Let a court order us to release without notifying you first if alive

Emergency cancel

If a release is in progress and you're still here, use "I am alive" from any signed-in device. It cancels the release in one tap and pages the LovedForward team to call you within an hour.