Things Seniors Should Do & Think About at the End of Life

Many elderly people worry about whether or not they have made a difference in the world and whether or not they have left a legacy. Many people’s contributions, teachings, and experiences are preserved and valued by their loved ones, but there are many additional methods for leaving a legacy that will improve the quality of life for others.

End-of-life preparation is more than just making a will and may help anyone, regardless of their financial situation. Departure from this world takes no account of age or other demographic factors.

Here are the things seniors should do or think about at the end of their life.

Collect all necessary documents.

You can make things easier for your loved ones in the future by gathering important documents like property deeds, official certifications, and contact information for the attorney, insurance broker, and doctor into one secure location.

Gathering this information in one place should make the process of creating an estate plan less time-consuming and more efficient.

Update your Beneficiaries

Make sure your beneficiaries are up to date on any life insurance policies, retirement funds, pensions, or pay-on-death or transfer-on-death (TOD) accounts you may have, as these accounts pass according to the beneficiary designations and not your will.

The best time to reassess your beneficiaries is whenever there is a significant change in your family dynamic.

“The fear of death follows from the fear of life. A man who lives fully is prepared to die at any time. Some people die at 25 and aren’t buried until 75. Death is nothing, but to live defeated and inglorious is to die daily.”

Billy Graham

Make your finances easier.

If you’ve worked a few different positions in your career, you might have many IRA accounts open with different companies. You might combine the two IRAs into a single retirement fund. Better investment options, reduced prices, a broader selection of assets, less paperwork, and simpler management are all made possible by account consolidation.

Making a living will.

A living will also known as an advance directive, is a legal document wherein you declare your preferences in the event that you become unable to express those desires yourself due to incapacity or any other circumstance.

In most cases, living wills will address issues pertaining to medical treatment that is intended to support life.

Secure your digital information.

Many people today keep not just financial, investment, and retail accounts online, but also social media profiles, all of which must be dealt with after death.

Facebook, for example, has a dedicated section where you can appoint a “legacy contact” to use your account after your death, but you should give similar consideration to your other online profiles, such as websites, blogs, and online communities.

Plan final arrangements

Donating an organ is one option for last arrangements, along with making funeral plans and determining how the costs of the funeral will be covered. Pay-on-death finances are frequently the most effective means of dealing with costs associated with funerals. The strategy you have in place for your ultimate arrangements might be a part of your estate plan.

Legacy planning

The process of selecting how exactly you would like your possessions to be distributed to your loved ones after you pass away is referred to as legacy planning. It’s essentially the same thing as “estate planning,” yet you may also leave behind things that are less tangible, like instilling specific morals in your loved ones or making a commitment to charity.

Communicate with loved ones

Putting your intentions into writing is an important step, but having that conversation with your loved ones is invaluable when it comes to estate planning. If they don’t have to second-guess your intentions, your requests have a better chance of being carried out if they are crystal clear on what you intend.

“The idea of death can be very scary, but it can be equally as transformative.”


There is much preparation to be made before passing away. The aforementioned actions are a few that you can take to ease the financial stress on your loved ones.

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