What is a letter of intent or letter of instruction in estate planning?

A letter of intent (or letter of instruction) is an informal, non-binding note to your family and executor that explains the practical and personal details your legal documents don't cover. It might list account numbers, passwords, insurance policies, and key contacts; describe how to access your home and digital accounts; convey funeral or burial wishes; explain the reasoning behind certain decisions; or share guidance for raising your children. Because it isn't a legal document, it can't transfer assets or override your will — but it makes everything easier during a stressful time and reduces guesswork and family friction. Keep it with your estate documents and update it as things change. Many people fold it into an organized "when I die" file. It's one of the kindest, lowest-effort things you can leave behind, and it costs nothing to write.