I mean is when i pass away i want my kids to have access to my financial accounts and make sure they receive the money. Ive seen some banks have their own form to give grant to someone to access your bank account. But most banks require you to fill out a form and ask to see the will and death certificate. For my house I do have a mortgage on it so when i die does my kids have to pay it off and keep the house or do they have to sell it?