Introducing Keepacy™

Today we are turning Keepacy™ on for the public, and the only honest thing to say first is this: we wish nobody needed it.

But here we are. Two-thirds of American adults have no estate plan. Most of the rest have documents scattered across attorneys, filing cabinets, and email folders that no one in their family knows how to access. When something happens — sudden, expected, it does not really matter — the people you love are left guessing. They guess for weeks. They guess for months. They guess while they are grieving.

That gap, between "I have it covered" and "my family can find it," is the gap Keepacy was built to close.

Where this started

A few years ago, someone close to us went through what we now call the second loss. Not the loss of the person — the loss that comes after, when nobody can find the will, the policies, the account list, the wishes that were sworn to be written down somewhere. There were three months of phone calls. Two probate hearings. An unclaimed life insurance policy that surfaced nine months later. None of that pain was about money. It was about not knowing.

We kept hearing the same story from different families. Drawers full of paper. A lawyer somewhere whose name no one quite remembered. A spouse who used to "handle all that stuff." A safe combination written on the back of a recipe card. We started building Keepacy because that gap was enormous, and nobody was filling it.

What Keepacy actually is

In plain language: Keepacy is an encrypted vault where you store the things your family will need, and a quiet check-in system that makes sure those things actually reach them when the time comes.

Three steps. That is the whole product:

• Store what matters — wills, life insurance policies, account info, attorney contacts, safe combinations, letters to your kids, even videos.
• Choose your people and decide who receives what. You are in charge of who sees which document and when.
• Live your life. We check in gently — text, email, and phone over a nine-day window — and only act if you stop responding.

That last part is what most products miss. Google Drive does not check in on you. A binder in the closet cannot tell anyone it exists. Your filing cabinet will never call your daughter. Keepacy can.

Why this matters more than it should

A few numbers we cannot stop thinking about:

• $7.4 billion in life insurance benefits sit unclaimed in the United States right now, mostly because families never knew the policies existed.
• 36% of parents with minor children have no will at all.
• 48% of Americans with $1M+ in assets still do not have an estate plan.
• 43% of people who do not have a plan say the reason is simply procrastination.

We want to turn "eventually" into "ten minutes from now."

Who we built this for

If you are a parent who has had even one quiet thought about what would happen to your kids if you did not come home tonight — this is for you. If you recently lost someone and saw, up close, what unprepared looks like — this is for you, and we are sorry. If you are the responsible sibling whose phone rings first when something breaks, the caregiver who already keeps everyone else's appointments straight, the small business owner whose family does not know the bank login — this is for you.

You do not have to be wealthy. You do not have to have an attorney. You do not have to know what you are doing. You just have to have ten minutes and one document worth uploading.

What is free, and what is not

We made Keepacy free to start, on purpose. If you have a bank account, kids, or a partner who would not know where to begin if you were suddenly gone, you should not have to pay to do something about that. The free tier gives you one document, one beneficiary, and email check-ins. It is enough to be useful. For some families, it is enough, full stop.

If you want unlimited documents, up to five beneficiaries, and the full multi-channel check-in across SMS, email, and voice, the Individual plan is $9.99 a month or $89 a year.

If you have a larger household — multiple kids, a blended family, aging parents, anyone where a single will and a single proxy do not capture the whole picture — the Family plan covers up to ten beneficiaries and lets you decide which documents go to which person. So your son sees the things meant for him, your daughter sees the things meant for her, and the executor sees what they need to do their job. It is $14.99 a month or $129 a year.

That is it. Two paid plans. No upsells in the dark. No add-ons designed to extract more from grieving families. We do not want anyone making a buying decision in their worst moment.

A note on safety, because this is exactly the data that matters

We take this seriously. Documents are encrypted with AES-256-GCM before they leave your device, and they stay encrypted at rest. By design, your documents are never decrypted until someone reviews, validates, and approves of a death certificate or an incapacitation letter from a physician. That is the only path — no admin override, no support shortcut, no "just this once."

The release path is also slow on purpose. Three channels. Nine days of escalating check-ins. A human in the loop. We designed the system to be paranoid about false releases, because every false release damages the trust families place in the system.

Keepacy is built and operated in the United States, which means we work within RUFADAA — the framework that governs how digital assets pass to fiduciaries here. For American families, that is one less variable to navigate when something goes wrong.

A few words for the professionals

If you are a life insurance agent, a financial advisor, or an estate planning attorney, you have probably watched this same problem from the other side. You sell a policy or draft a will, and then a year later a surviving spouse walks in and cannot find it. Keepacy is the layer that makes the work you have already done actually reach the family. We have a referral program live today for advisors and attorneys who want to send clients our way, and we are actively building toward co-branded vault programs for credit unions, community banks, and agencies. If that sounds like your firm, reach out — we would love to talk.

What is next

This is a launch, not a finish line. On the roadmap: a small physical QR card that backs up vault access for the technically anxious, deeper integrations with the financial institutions our users already trust, and a steady stream of small improvements driven by what real families ask us for. We will keep shipping, and we will keep listening — because that is how we got here.

Thank you

To the early users who patiently worked with us through the first versions of this product and told us the truth — thank you. To the families who shared what they wished had been different — thank you. We built this for you, with you, and because of you.

Your family will already be doing the hardest thing they have ever done. The least we can give them is a map.

Create your free vault at keepacy.com. It really does take about ten minutes. We are glad you are here.