What to Do When a Loved One Passes Away

A structured guide to handling responsibilities, documents, and financial matters during a difficult time.

“Clarity during difficult moments is one of the greatest forms of care you can provide your family.”

1. Immediate Steps

• Secure a Medical Certificate of Death
• Inform close family members
• Coordinate funeral arrangements
• Contact memorial service providers

2. Legal Documents

• Death Certificate (PSA copy)
• Valid IDs of the deceased
• Marriage Certificate (if applicable)
• Birth Certificates of heirs
• Last Will and Testament (if available)

3. Financial Assets Processing

• Insurance claims
• Bank accounts and savings
• Investments and stocks
• Retirement funds
• Outstanding loans or liabilities

4. Properties and Ownership

• Transfer of land titles (TCT/CCT)
• Vehicle ownership transfer
• Business ownership adjustments
• Tax declarations and updates

5. Estate Settlement

• Execute the will (if available)
• Extra-judicial settlement (if no will)
• Pay estate taxes
• Distribute assets to beneficiaries

6. Important Reminders

• Do not rush financial decisions
• Secure all original documents
• Consult a professional if unsure
• Proper planning prevents delays and conflicts

Planning Ahead Makes the Difference

If you want to prepare your financial structure and avoid complications for your family, message me.

Gerard Jude Orbase
Financial Consultant
Agent Code: GERA6784
Lipa City Branch | Serving Clients Nationwide