Employee Benefits · Family Continuity
Your benefits stack protects income.
It doesn't protect clarity.
It doesn't protect clarity.
When an employee passes or becomes incapacitated, families face weeks of administrative complexity that no insurance policy prevents. SmartHeritance closes that gap — quietly, and at no operational burden to your team.
SOC 2 Type II certified
•
Bank-grade encryption
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Zero employer access to employee records
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No complex HR integration required
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Deploys in days, not months
THE BENEFITS GAP
The benefits stack stops at protection. It doesn't cover continuity.
Modern benefits programs are thoughtfully built. Life insurance, disability, EAPs, financial wellness tools. But they share a quiet assumption: that when the worst happens, families will know what to do next. They rarely do.
01
Insurance pays. It doesn't organise.
A payout is only useful when a family can locate the policy, understand the claim process, and navigate the accounts that follow. Without an organised record, weeks of disruption become months.
↑ Claims delays average 6–18 months without organised documentation
02
The disruption extends into the workplace.
Employees navigating a family transition spend significant time on financial administration during work hours — managing institutions, accounts, digital access and ongoing obligations — often while still performing their role.
↑ 48% report measurable decline in work performance after a loss
03
Digital complexity has made this worse.
The average adult manages 160+ accounts. Without structured documentation, families
must reconstruct a complete financial picture from scratch, under grief, and under pressure.
↑ $77B in unclaimed assets in the US — due to
poor documentation, not absence of wealth
“The question HR leaders are beginning to ask has shifted. Not just ‘do we offer coverage?’ — but are we ensuring clarity for families?”
$75B
Estimated annual cost of grief-related productivity loss to US employers — via presenteeism, absenteeism, and extended disruption.
69%
Of employees are more likely to stay with employers who offer comprehensive,
holistic benefits that reflect genuine long-term care.
54%
Would consider leaving their current role for better well-being benefits — including those that address family stability, not just personal health.
How it Works
A structured continuity benefit. No operational burden on your team.
SmartHeritance gives each employee a private, guided system to organise their financial and digital life. It requires no HR overhead, involves no access to employee data, and deploys in days.
1
Employees are pre-provisioned and onboarded via a custom URL
HR sends a benefit announcement with a custom sign-up link. Employees verify via OTP to their work email. No separate IT integration required.
2
Each employee builds a private continuity record
Guided templates walk them through every account, policy, digital asset and essential instruction. SmartSync automatically discovers and maintains updates over time.
3
Information releases only on the employee's terms
Each employee designates who receives what, and under what conditions. Employers never see any employee data — zero-knowledge architecture ensures absolute privacy.
4
HR receives only enrollment and usage metrics
HR sends a benefit announcement with a custom sign-up link. Employees verify via OTP to their work email. No separate IT integration required.
What the benefit delivers
Financial accounts organised and accessible
Banks, retirement, investments, loans, safe deposits
Insurance policies documented and located
Life, disability, property — policy numbers and contacts
Digital assets structured and transferable
Accounts, subscriptions, crypto, cloud storage
Trusted people designated, conditions set
Controlled release to the right people at the right time
Records maintained automatically over time
SmartSync flags renewals, new accounts and changes
Family receives a clear roadmap, not a crisis
Structured guidance when it matters most
Strategic Value
What SmartHeritance delivers for your organisation.
🎯
Differentiates your benefits portfolio
Family continuity is an emerging benefits category. Offering it before it becomes standard positions your organisation as a
genuine leader in holistic employee care.
Competitive differentiation in talent acquisition
📈
Reduces disruption after a family event
Employees with organised records spend less time on administrative tasks during crisis. Shorter periods of disruption mean faster recovery and more stable team performance.
Measurable reduction in productivity drag
🔗
Complements life insurance meaningfully
SmartHeritance doesn’t replace insurance — it makes insurance more useful. Families who know where policies are claim faster and with less stress. The benefit amplifies what you already offer.
Higher perceived value across the benefits stack
💡
Addresses financial stress at its source
55% of employees worry about personal finances daily. Continuity planning reduces a specific, significant source of that anxiety — uncertainty about what would happen to their family.
Supports broader financial wellness goals
⚡
Low cost, zero administrative burden
SmartHeritance is designed to deploy with minimal HR effort. Employee accounts are pre-provisioned. Onboarding is self-serve. Reporting is aggregate-only. No internal data ever changes hands.
High-value benefit with negligible overhead
🤝
Signals long-term organisational intent
Benefits that extend care beyond the immediate employment relationship build deeper loyalty. SmartHeritance demonstrates that your organisation thinks about employees as whole
people, not just contributors.
Drives retention and long-term engagement
The business case for continuity as a benefit
Employees are measurably more loyal to organisations that invest in family-level care. These figures reflect the ROI opportunity.
79%
Consider benefits when choosing a job
69%
More likely to stay with comprehensive benefit employers
20%
Higher retention in organisations with strong benefits packages
The Employee Experience
What your employees actually receive.
Each employee gets a private, structured system for organising their financial and digital life. Confidential, guided, and built to stay current as their circumstances evolve.
🏦
Financial
–Bank accounts
–Investment accounts
–Retirement funds
–Mortgages & loans
–Safe deposit boxes
📋
Insurance & Legal
–Life insurance policies
–Property & casualty
–Disability coverage
–Wills & trusts
–Property deeds
🔐
Digital
–Online accounts
–Cryptocurrency
–Subscriptions
–Email & cloud accounts
–Password records
💌
Personal
–Final wishes & instructions
–Key contacts & advisors
–Important documents
–Vehicle information
–Personal messages
Implementation
Deploys in days.
Not months.
SmartHeritance is built for HR teams who don’t have bandwidth for complex rollouts. The entire onboarding process is handled by the platform. Your role is to announce the benefit and share a link.
No IT integration required
No employer visibility into employee data
Flexible rollout — outside of open enrolment if needed
Employees leave? Account gracefully dissociates from company eligibility
HR receives aggregate adoption reports only
1
Employee accounts pre-provisioned
SmartHeritance provisions accounts using employee email addresses provided by HR. No employee action required at this stage.
2
HR sends the benefit announcement
A single email with a custom URL. SmartHeritance provides the template. HR sends it. That’s the extent of the launch.
3
Employees self-onboard via OTP verification
Employees sign up using their work email. Identity is verified via OTP. The guided setup experience handles the rest.
4
HR receives enrollment and usage reporting
Aggregate data only. No access to any employee’s legacy records — ever. Privacy is structural, not a matter of policy.
Privacy & Security
Designed for absolute privacy. Yours, and your employees'.
What employees record is deeply personal. SmartHeritance is built on the principle that neither employers nor our own team should ever have access to it.
🔒
Bank-Grade Encryption
AES-256 encryption at rest and in transit — the same standard applied by major financial institutions globally.
🏛️
SOC 2 Type II Certified
Independently audited and certified for security, availability, and data integrity. Compliance documentation available on request.
👁️
Zero-Knowledge Architecture
No SmartHeritance employee can access employee records. Neither can yours. Privacy is structural — built into the architecture, not enforced by policy alone.
⚙️
Condition-Based Release
Records are shared only when an employee’s pre-defined conditions are verified. No information moves without explicit, prior consent.
A note for HR and legal teams: SmartHeritance never stores, processes, or reports on the content of employee records. Employer access is limited to aggregate enrollment metrics. Full compliance documentation is available upon request.
Partner With Us
Bring family continuity to your benefits stack.
SmartHeritance is available to employers, employee benefit brokers and life insurance providers. We work directly with People leaders to scope the right rollout for your organisation.
No IT integration or complex setup
Deploys outside of open enrolment periods
Fully private — zero employer data access
Flexible pricing for employer-sponsored or employee-paid models
White-label options available for insurance and benefit providers
Compliance documentation provided on request
Request a Demo
We’ll walk you through the benefit, the implementation process, and pricing. No commitment required.