The bank took a death certificate and a copy of the will and closed the account in one visit. The insurance company was fine. The car title was fine. Then somebody set an iPad on the kitchen table and everything stopped.
Devices do not work the way the rest of an estate works. There is no branch office, no notary, and nobody at Apple or Google holding a master key. What exists instead is a published set of rules, and those rules change completely depending on whether the person who died spent a few minutes on one setting while they were alive.
One note first. This is general information and not legal advice. Every estate is different, so talk with your own estate attorney about your situation.
Why a passcode is a wall, not a lock
A lock can be picked by the locksmith who built it. Encryption does not work that way. Encryption means the data on the device is scrambled, and the passcode is part of the key that unscrambles it. The company that made the phone does not keep a copy of that key.
Apple says this plainly on its support page for deceased family members. Devices locked with a passcode are protected by passcode encryption, and Apple cannot help remove the passcode lock without erasing the device. Erasing is not access. It gets you a clean phone.
Keep two things straight. The passcode protects what is stored on the device. Activation Lock is a separate feature that ties the device to the owner’s Apple Account so a stolen phone cannot be wiped and resold. Apple can remove Activation Lock. Nobody can remove a passcode.
What Apple requires when nobody was named ahead of time
If the person who died never set up a Legacy Contact, Apple’s published process in the United States is a court order. Not a death certificate. Not the will. Not letters testamentary, which is the document a probate court issues naming the executor. Apple lists exactly what that order must say.
- Whose account it was. The name and Apple Account of the deceased person.
- Who is asking. The name of the next of kin who is requesting access to the decedent’s account.
- That every account was theirs. That the decedent was the user of all accounts tied to the Apple Account.
- That you have standing. That the requestor is the decedent’s legal personal representative, agent, or heir, and that their authorization counts as lawful consent.
- That the court is ordering Apple specifically. That Apple is ordered by the court to assist in providing access to the decedent’s information from the deceased person’s accounts.
That last one is where families get stuck. A routine order appointing you executor does not order Apple to do anything. It has to name Apple and direct Apple. Getting that language in front of a judge means an attorney, a filing, and a court calendar. Doable, but slow and expensive.
What a few minutes of setup changes
A Legacy Contact is a person you name in advance who can request your Apple Account data after you die. There is no court in this path. Apple’s instructions are short. Submit the access key your loved one created, plus the death certificate.
- Setting it up takes three taps. Settings, your name, Sign-In and Security, Legacy Contact, Add Legacy Contact. Apple says you need a device running iOS 15.2, iPadOS 15.2, or macOS Monterey 12.1 or later.
- The person you name needs nothing from Apple. Apple states they need no Apple Account and no Apple device. The access key can be sent by message or printed and filed with your will.
- Approval also clears the devices. Apple says that after it approves the request, Activation Lock is removed from devices using the original Apple Account, and the requester receives a special Legacy Contact Apple Account to reach the data.
- The access has a clock on it. Apple states you can use the Legacy Contact account for three years from when Apple approves the first request, after which the account is permanently deleted. Download what matters early.
- Some things are never included. Apple excludes purchased movies, music, books, and subscriptions, plus anything in iCloud Keychain, which is where passwords, passkeys, and saved payment information live.
What Google will and will not do
Google has two tools here and they are easy to confuse. One is set up beforehand by the account owner. The other is a request made afterward by the family.
- Inactive Account Manager is the plan ahead tool. You decide how long Google should wait before treating your account as inactive, then choose who gets notified and what data they can download. Google’s Account Help says you can select up to 10 people, and contacts are only notified once the account has been inactive that long.
- The deceased user request is the afterward tool. Google’s help pages describe three paths, and you pick one. Close the account, request funds from the account, or obtain data from the account.
- Google will not hand over the login. Google states that its primary responsibility is keeping people’s information secure, safe, and private, and that it cannot provide passwords or login details.
- Getting the contents is possible but not promised. Google says that in certain circumstances it may provide content from a deceased user’s account, and that any such decision is made only after a careful review. That is a maybe, not a guarantee.
- Do not close the account first. This is the costliest mistake in the article. Google states that if you select to close the account, it is unable to process any request to turn over the contents at a later date. If there is any chance the family wants photos or messages, request the data first.
Where Texas law fits in
Texas has adopted a model law called the Revised Uniform Fiduciary Access to Digital Assets Act, which lives in Estates Code Chapter 2001. A fiduciary is a person legally responsible for handling someone else’s affairs, such as an executor. Four points matter.
- The online tool outranks the will. Chapter 2001 provides that a direction given through an online tool overrides a contrary direction in a will, trust, or power of attorney. Apple’s Legacy Contact and Google’s Inactive Account Manager are those tools. The app setting beats the estate documents.
- Your will outranks the fine print. Absent an online tool direction, a direction in a will, trust, or power of attorney overrides a contrary provision in a terms of service agreement.
- Reading messages takes more paperwork than listing them. To get the content of electronic communications, a personal representative must send a written request, a death certificate, letters or a court order, and evidence the user consented. For the catalogue alone, meaning the record of who communicated with whom and when, that consent evidence is not required.
- The company can still ask a judge, and it has time. The chapter lets a custodian require a court order, and gives custodians 60 days to comply after receiving what they need. Even the smooth version is not fast.
None of this is a trick or a loophole. Both companies built one easy door and one hard door, and the easy door only unlocks from the inside, by the account owner, while they are alive.
If you are holding the paperwork today, first find out whether a Legacy Contact or an Inactive Account Manager plan already exists, because if the answer is yes you can skip nearly everything above. If you are reading this to spare your own family the trouble, both settings are in the phone in your hand right now.
Again, this is general information and not legal advice. Talk with your own estate attorney about how your digital property should be handled in your will.
If you would like help walking through these settings, or a hand with a request already underway, that is what we do across Denton County. Reach out at harrisonward.com/contact.
Sources
- Apple Support, Request access to a deceased family member’s Apple Account
- Apple Support, How to request access to a loved one’s Legacy Contact account
- Google Account Help, Submit a request regarding a deceased user’s account
- Texas Estates Code Chapter 2001, Texas Revised Uniform Fiduciary Access to Digital Assets Act
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