Immediate steps (first 24–72 hours)
- Confirm the death (hospital, doctor, or emergency services)
- Contact a funeral home
- Notify close family members
- Secure the home and personal belongings
- Locate any will or advance directives
Important documents you may need
- Will or estate documents
- Insurance policies
- Bank and investment account details
- Government identification (SIN, health card)
- Property and mortgage documents
Who to notify
- Employer or pension provider
- Banks and financial institutions
- Insurance companies
- Government agencies (CPP, OAS, CRA)
- Utility providers
Financial and legal steps
- Arrange for death certificate(s)
- Begin probate (if required)
- Close or transfer accounts
- Cancel subscriptions and services
- Work with a lawyer or estate advisor
Why preparation matters
Most of the stress families experience comes from not knowing where things are or what to do first. Having one organized record can reduce confusion and help families act quickly and confidently.
This guide is for general information only and is not legal, financial, or tax advice. Speak with a qualified professional about your family's specific situation.
Frequently asked questions
What documents are needed when someone dies?
Typically a will, death certificate, financial records, and identification.
How should I organize documents for my family?
Group them into documents, accounts, contacts, and instructions.