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Sunset

Find and close bank accounts for dead people

Fintech
Personal Finance
Family

Use Sunset to find and close financial accounts after a death: Bank accounts, 401k, IRA, Life Insurance, Credit Cards, real estate, and more.

Top comment

Hey PH community, excited to launch another awesome product with you all. As you can imagine, this tool is a personal one. Not only did a homebrew version of this help me and my family, but we love hearing from our users how much it’s helped them in a tough time. Happy to answer any questions you have or suggestions for improvement. ========== Settling the affairs of a loved one can take months—often years—and hundreds of hours of work. Most people have to do that while grieving, but now Sunset just does it for you. With just a few minutes of work on your side, Sunset can find all the accounts and assets of your loved ones and then begin closing the ones you want help with, including: -Bank Accounts: Checking, savings, CDs, etc. -Retirement Accounts: 401k, IRA, annuity, etc. -Debts: Mortgage, personal loans, credit cards, etc. -Property & Vehicles: Personal and investment -Investment Accounts: Mutual funds, index funds, stocks, bonds, etc. -And More: Life Insurance, Unclaimed Property, Business Filings, HSA Accounts, etc. How does it work? We search public and private databases, including financial reporting from banks and investment funds. Once we’ve confirmed a match with the deceased, we automate the closure and move the funds to our management. What does it cost? Search and discovery are free. If you use Sunset to close accounts, we earn interest while they transfer to the beneficiaries, so there is also no out of pocket cost for that service. If you’ve had to manage the estate and probate process for someone, how long did it take you? We’ve heard anywhere from 200 to 500 hours! Lastly, I mentioned this in my loom video, but I sincerely hope you don’t need this product any time soon! Best, Stephen Walter

Comment highlights

This is incredible. This space has so many problems to solve and knowing you all are tackling them to help not just individuals but families is amazing and emotional. The amount of stress and anxiety this will alleviate is unmeasurable!

Stephen & team—massive congrats on the launch! 🚀

Your “hope you never need us” humility is a breath of fresh air and exactly the empathy this space deserves. A tool like this would’ve been a game-changer for me a few months back.

Quick Qs:

Is there a built-in grace period when funds move?

How do you handle it if two parties both claim the same pot?

Keep building—the world needs it. 👏

Love to see the use of AI and new tech to help with industries and use cases which need such progress for sure.

Wow. This is incredible. This would've really helped my parents when my grandparents passed away. Love that you're helping people through a difficult time.

Awesome idea, hope I never need it!

Semi related, does this also cancel subscriptions/debts that may no longer apply after death?

Like the deceased shouldnt be charged for their Netflix account anymore, right?

I take it Sunset will freeze accounts/credit cards as part of your process?

Love this so much. Would have helped a ton with a family member who passed a few years back.

That is actually a great idea! It can be a mess to do these things manually and can use a lot of your time. Would be happy to see this being successful and maybe someday an international version?

Awesome idea. What’s one thing about early usage or development that’s surprised you?

what a painful problem to solve! i've seen this challenge come up a few times and it's so painful at an already painful time

as someone who has unfortunately gone through this process 4x… the last thing anyone wants is to figure out this process while youre in the middle of grieving. thanks stephen for using your lawyerly powers for good!

do you have a way to bake this into estate plans? so like i can put you in my will as an executor of sorts?

This looks really cool. How do you make sure that the person is deceased before closing their accounts?

What happens with money after death? Are we eligible to break into the account and take that money? Shouldn't there be any administrative process?

When reading this, maybe something similar could be good for the BTC wallet. 😅

Such an important and thoughtful tool. Sunset brings clarity and compassion to a difficult process — helping families handle financial matters with less stress and more confidence when it’s needed most.