The most personal things people leave behind now sit inside their accounts: years of photos, conversations, documents. If nobody knows the password, all of it quietly disappears one day. If everybody knows it, the account was never private in the first place.
Google, Apple and Facebook offer a middle path you set up in advance: someone you trust gets access only after a death is documented, or after the account has gone silent for a period you choose, and only to the data you ticked. Instagram and WhatsApp have no such setting, so there the preparation is making sure your family knows what to do.
This guide walks through today's screens on all five: where to click, how many people you can name, what transfers and what never does. It is one sitting now, and a yearly check afterwards.