After a loved one passes, the last thing grieving family members want are calls from debt collectors.  Ensure there are no surprises by listing your financial obligations (loans, reoccurring bills, installments to be paid from your estate). Only after debts are paid from an estate will remaining assets be distributed among beneficiaries. Include specific contact information about loans, utilities, payment plans, credit cards etc. For online bill payments, indicate where your username and password information can be found.