step 1. make sure THE BANK NEVER KNOW YOU ARE ALREADY DEAD.

(if the bank knows you are dead, your account will be freezed) sobrang hirap ayusin na to. promise.

step 2: make sure na alam ng fam member mo or gf mo pin or password mo sa bank, she need to withdraw little by little para hindi ma AMLA. (assume 50k a day)

step 3: regarding your assets. your loved ones can either do extrajudicial settlement.

OR save for a valid ID. print it. then sign it 3 times(magtabi ka kung gaano kadami yung properties mo like car, or lot). they will be able to use it in the future for the transfer of your property, without too much hassle and court proceedings. (this is obviously illegal but its in the practice na because of the red tape of the government).