Cadence, a Canadian technology company, has introduced Estate Guard™, a new capability designed to protect families and institutions from post-loss identity fraud by securing financial and digital accounts after an individual’s death. The solution aims to address the issue of unclosed accounts and unmonitored data, which exposes bereaved families to financial and emotional harm, a problem affecting millions annually in North America.
Estate Guard provides a secure method for families to identify active financial and digital accounts and notify relevant institutions. This process is crucial for mitigating exposure to post-loss identity fraud. Rachel Drew, Founder and CEO of Cadence, stated, “When someone dies, their data doesn’t. Estate Guard™ gives families and institutions a clear, secure way to see what’s at risk and act when it matters most.” By analyzing verified institutional data, Estate Guard generates an actionable protection list, enabling accounts to be monitored, closed, or transferred securely.
The service surfaces active financial and digital accounts linked to the deceased, using verified institutional data. It then creates a protection list indicating where accounts should be closed, frozen, or notifications sent. Estate Guard integrates with Cadence’s existing tools, Executor Assistant, which offers guided estate support, and Easy Notice™, which facilitates digital notifications. The system maintains privacy through strict access controls, audit trails, and enterprise-grade encryption.
Early implementation results show a reduction in the time required for account verification, converting what typically takes weeks of manual outreach into a single verified action. Automated notification workflows are replacing traditional, mail-based processes, thereby decreasing delays and improving alignment with identity protection and compliance standards. Drew added, “We’ve built the digital infrastructure that connects families, funeral providers, and financial systems. Estate Guard™ isn’t just a feature, it’s a secure foundation for post-loss data exchange in an overlooked, high-impact industry.”
Estate Guard is designed for families and executors seeking clarity immediately following a death, as well as for funeral homes, insurers, and benefits administrators who aim to extend care through protection services. Financial institutions looking to modernize their post-loss workflows are also target users. Estate Guard is currently available to business and enterprise partners across North America.
Cadence focuses on transforming life after loss by providing secure digital tools that offer structure, guidance, and peace of mind to both families and professionals.
