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From digital vaults and emergency cards to financial advisor programs and estate planning — every answer about IronClad Family is here.
200K+Families Protected
4.9 ★456 Verified Reviews
2U.S. Patents
46States RUFADAA Compliant
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iVaultX — Our Flagship Product
Digital Family Vaults
The most-searched questions about protecting your family's documents, accounts, and legacy in one encrypted place — answered.
A digital vault for families is a secure, encrypted repository for your most important documents, account credentials, legal instructions, and personal wishes — designed so the right people can access them at exactly the right time, even if you are not around. In 2026, the average person manages over 100 digital accounts. Without a deliberate plan, those accounts — along with the bank accounts, insurance policies, and crypto wallets connected to them — can be locked from your family forever.
iVaultX by IronClad Family goes beyond storage. It uses zero-knowledge encryption, automated delivery triggers, and a Recipient Locator so your family never faces a digital lockout during a crisis. See all features →
Your vault should cover every category your family might need urgently:
- Legal: Will, Codicil, Trust, Power of Attorney, Healthcare Directive, Guardianship instructions
- Financial: Bank accounts, investment accounts, retirement accounts, life insurance policies, annuities
- Digital assets: Cryptocurrency wallet addresses, seed phrases, hardware wallet instructions, exchange logins
- Property: Deeds, mortgage documents, vehicle titles, safe combinations, rental agreements
- Identity: Birth certificates, passports, Social Security cards, marriage certificates, military discharge papers
- Health: Healthcare directive, medical history, medication list, physician contacts, insurance cards
- Legacy: Funeral wishes, personal video messages, family history, pet care instructions, memorial preferences
iVaultX organizes all of this into categorized, encrypted vaults with unlimited storage. Explore the platform →
Standard cloud storage like Google Drive or Dropbox is designed for everyday file sharing — not legacy protection. Here is the critical difference:
- No automated delivery: Google Drive does not know when you die. iVaultX does — and automatically delivers your vault to the right people at the right time.
- No zero-knowledge encryption: Google and Dropbox can access your files. With iVaultX, even we cannot see what you store.
- No legal framework: RUFADAA gives tech companies the right to deny your family access after your death unless you have set up explicit written permissions. iVaultX integrates those permissions directly.
- No Recipient Locator: If a family member moves or changes email, iVaultX will still find and deliver to them. Cloud storage simply fails.
RUFADAA — the Revised Uniform Fiduciary Access to Digital Assets Act — has been adopted by 46 states as of 2026. It gives technology companies the legal right to deny your family access to your digital accounts after your death or incapacitation, unless you have given explicit written permission in advance. This means your spouse, children, or executor can be legally blocked from accessing bank portals, investment accounts, email, social media, and cryptocurrency — even with a valid will in place.
iVaultX is RUFADAA-compliant. We integrate the required legal permissions directly into your vault setup so your designated recipients have lawful authority to access your digital assets without court battles. Learn about our compliance →
Cryptocurrency is the most vulnerable digital asset in any estate. Without your seed phrase or private key, crypto is permanently inaccessible — no recovery process, no customer service line, no court order can unlock it. iVaultX lets you securely store:
- Cryptocurrency wallet addresses and exchange login details
- Hardware wallet PIN and seed phrases (encrypted before they leave your device)
- Step-by-step instructions for each wallet — what it contains and what your family should do
- A Codicil to your Will specifically addressing digital asset inheritance
Without a plan, your digital accounts face three outcomes: they get locked (banks, investment accounts), they get memorialized (Facebook), or they stay active and become targets for identity theft. In 2025 alone, there were 3,322 data compromises in the United States — inactive accounts belonging to deceased individuals are prime targets.
iVaultX actively ensures delivery to your designated recipients when a triggering event occurs. Unlike cloud storage that simply becomes inaccessible, IronClad Family will personally contact or locate recipients if email delivery fails — preventing families from waiting months for costly court orders.
iVaultX actively ensures delivery to your designated recipients when a triggering event occurs. Unlike cloud storage that simply becomes inaccessible, IronClad Family will personally contact or locate recipients if email delivery fails — preventing families from waiting months for costly court orders.
Yes. Every paid iVaultX subscription includes:
- Online Will Wizard — Guided step-by-step tool to create a legal Will document
- Codicil Planner — Add or amend specific wishes, especially for digital assets and crypto
- Funeral Planner — Document your exact wishes so your family never has to guess
- Healthcare Directive — Specify your medical wishes linked to your Emergency Wallet Card
- Remote Online Notarization — Get estate documents notarized via video call without leaving home
Yes. IronClad Family offers a free 14-day trial — no credit card required. You can set up your vault, explore the platform, and see exactly how it protects your family before committing. After the trial, the full plan is $189 per year ($15.75/month) with a 30-day money-back guarantee and no hidden fees.
48% of adults have no digital estate plan.
Don't let your family face a locked screen during their hardest moment. Set up your vault in one afternoon.
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Physical Protection
Emergency Wallet Cards
A wallet-sized card that puts life-saving information in first responders' hands in seconds — linked directly to your health directive.
The Emergency Wallet Card is a personalized, durable, wallet-sized card that gives first responders and medical personnel instant access to your critical health information in an emergency. On the back is a unique QR code linked directly to your healthcare directive stored in your iVaultX vault. If you are ever unconscious or unable to speak, the people trying to help you know exactly what you want — no searching, no guessing, no delays.
When a first responder scans the QR code on the back of your card, they are taken directly to your healthcare directive — specifying what medical treatments you do and do not want. This link works without requiring login to your full vault. You control exactly what is visible. It works on any smartphone with a standard camera app — no special app required.
Two Emergency Wallet Cards are included free with every paid iVaultX annual subscription. They are also available as a standalone purchase at shop.ironcladfamily.com for $39.95. Use code FAMILY10 for 10% off. Financial advisors and real estate agents can order co-branded cards featuring their firm's name, logo, and contact information.
Yes. Co-branded Emergency Cards are available for financial advisors, real estate agents, insurance brokers, and other partners. The card features your firm's branding and contact information alongside your client's emergency health information — keeping your name in clients' wallets permanently. Multiple advisors and agents report that clients show these cards to family members, creating organic referral conversations. Explore co-branded cards →
Yes. Cards are professionally printed on durable, wallet-sized material designed to survive years of daily use. The QR code remains scannable over time. Every card is tested and certified before shipping from our US-based fulfillment center.
Your life-saving instructions. Always with you.
Included free with iVaultX, or order standalone from our store today.
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White Glove Service
Done-For-You Family Preparedness
Our specialists handle all the planning, digitizing, and vault setup on your behalf. You review, approve, and we execute.
The Done-For-You service is IronClad Family's white-glove planning service where our specialists arrange, digitize, and securely store all your important documents on your behalf — then set up your vault, recipients, and automated delivery triggers. It is ideal for people who value preparedness but do not have the time or desire to do it themselves, those overwhelmed by estate complexity, busy professionals, and anyone who simply wants it done right the first time.
- Step 1 — Consultation: A personalized call to understand your family's needs and current document situation
- Step 2 — Collection: We guide you through gathering your documents and ship you a secure collection kit
- Step 3 — Digitization: Every document is scanned in a secure monitored facility, photographed on receipt for your records
- Step 4 — Vault Setup: We upload and organize everything into categorized vaults, set up recipients, and configure delivery triggers
- Step 5 — Your Approval: You review and confirm everything before going live
- Step 6 — Physical return: Your original documents are returned in a fireproof water-resistant bag via FedEx or DHL, tracked and insured
We handle wills, trusts, codicils, life insurance policies, healthcare directives, powers of attorney, financial account records, property deeds, mortgage documents, cryptocurrency information, business succession documents, funeral plans, personal legacy video messages, and any other critical documents your family may need. Will and Codicil creation and Funeral Plan setup are available as add-ons.
Absolutely. All scanning is performed in secure, monitored locations. Every team member is bound by strict confidentiality agreements. From the moment your documents are digitized, they are encrypted using zero-knowledge encryption — meaning even IronClad Family cannot see the contents once uploaded. We do not retain physical copies after returning your originals.
The Done-For-You service starts at $499 for the Essential package and $988–$1,299 for Premium lifetime packages depending on estate complexity and document volume. Will, Codicil, and Funeral Plan setup are available as add-ons. Schedule a free consultation for a personalized quote →
Let us handle everything.
Have your entire legacy organized by our specialists in days, not months. Free consultation to start.
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For RIAs & Fee-Only Planners
Financial Advisors & RIAs
How iVaultX helps advisors differentiate in a commoditized market, retain clients through the $84 trillion wealth transfer, and generate $50K–$150K+ in new annual revenue.
80%
of widows leave their advisor within a year of a spouse's death
$84T
transferring between generations — 70% changes advisors in year one
$400K
new planning engagements surfaced by one RIA from 30 client reviews
$127K+
average additional revenue for advisors in their first year with iVaultX
iVaultX is perfect for fee-only advisors because it adds genuine client value without selling products. It is not a financial product, investment vehicle, or insurance policy — so there are zero fiduciary conflicts. You are simply recommending a valuable service, comparable to referring an estate attorney. The zero-knowledge architecture means you never hold or see client data. Compliance teams at RIA firms managing over $1.2B in AUM have cleared iVaultX in as little as one week.
Fee-only advisors can sponsor clients' vaults under their brand, offer the first year free as a client gift, or structure a separate family protection planning fee — earning $50K–$150K+ annually through planning services, not commissions. Learn about the advisor program →
Research shows 80% of widows leave their financial advisor within a year of their spouse's death — typically because the advisor only had a meaningful relationship with one spouse. iVaultX changes this by engaging the entire family through a co-branded vault. Both spouses use it, adult children see your branding, and when a death occurs, the surviving spouse already has a trusted working system the advisor helped set up. The advisor becomes indispensable rather than replaceable at the most critical moment.
An estimated $84 trillion in assets will transfer between generations over the next decade, and 70% of inherited wealth changes advisors within the first year. iVaultX helps advisors engage the next generation early — adult children who use a co-branded vault their parents' advisor set up are far more likely to stay with that advisor when they inherit. Multiple advisors using iVaultX report adult children of existing clients proactively calling to become clients themselves because of the vault their parents showed them.
When clients complete their vault, the platform surfaces planning gaps that create natural advisory conversations: stale beneficiary designations that conflict with current estate plans, unprotected digital assets not covered by existing legal documents, life insurance shortfalls identified during document inventory, missing healthcare directives and powers of attorney, and cryptocurrency with no succession plan. One $1.8B Midwest RIA ran Family Protection Reviews with 30 clients and discovered stale beneficiaries in 18, unprotected digital assets in 12, and life insurance shortfalls in 9 — surfacing $400K in new planning engagements in a single quarter.
The 1% AUM benchmark is under pressure as robo-advisors and index funds commoditize investment management. Advisors who thrive are expanding into holistic services that technology cannot replicate: estate coordination, family protection planning, digital asset management, and legacy planning. iVaultX is the operational layer that makes holistic planning tangible — giving every client a living, organized family protection system they can see and use, not just a financial plan on paper. When a client asks why they should pay your AUM fee, you walk them through what the vault does for their entire family. The conversation shifts completely.
RUFADAA — the Revised Uniform Fiduciary Access to Digital Assets Act — has been adopted by 46 states and gives tech companies the legal right to deny families access to digital accounts after a death unless explicit written permission was granted in advance. For advisors, your clients' digital assets — bank portals, investment accounts, cryptocurrency — can be legally locked from heirs without proper planning, even when you have done everything else right. iVaultX integrates RUFADAA-compliant permissions directly into every client vault, closing the digital gap in every estate plan you manage.
Most advisors are client-ready within days. IronClad Family provides onboarding support, proven conversation scripts, co-branded client materials, a co-branded advisor portal, and an ROI calculator to project your revenue opportunity. We select only one advisor partner per geographic market — first movers own the family protection story in their area.
Only one advisor per market.
The advisors implementing iVaultX now are building practices their competition cannot touch. Check if your market is still available.
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For Agents & Brokerages
Real Estate Agents
Turn a closing gift into a lifetime client connection — and keep your brand in every wallet you touch.
Gift baskets fade. iVaultX does not. When you gift a client an iVaultX digital vault at closing, you give them something that protects their most important real estate, financial, and legal documents — deeds, mortgage records, insurance policies, estate plans — all in one encrypted place. Your co-branded Emergency Card lives in their wallet permanently. Clients who add documents see your branding continuously. When they or a family member need a trusted real estate advisor again, your name is front and center.
- Property deeds and title documents
- Mortgage and refinancing documents
- Homeowner's insurance policies and claim history
- HOA agreements and renovation records
- Estate planning documents — Will, Trust, Healthcare Directive
- Financial account information and life insurance policies
- Cryptocurrency and digital asset instructions
- Emergency contacts and medical information linked to their wallet card
The co-branded Emergency Card features your name, photo, brokerage information, and contact details alongside your client's emergency health information. It functions as a permanent business card your clients keep in their wallet — and as a life-saving emergency tool they never throw away. Clients naturally show these cards to family members who ask about them. Multiple agents report adult children, parents, and siblings of clients calling to inquire about buying or selling because of the card they saw. See the agent program →
Yes. Clients can designate recipients for specific vaults so that when property and financial assets transfer to the next generation, everything is organized and delivered correctly. This positions you as the agent who helped the entire family — not just the original buyers. When heirs inherit property and need a real estate agent, they are far more likely to call the agent who was already part of their family's planning story.
Schedule a free 30-minute consultation at ironcladfamily.com/real-estate-agent. We will walk you through co-branding options, card ordering, bulk vault pricing for client gifting, and how to introduce iVaultX naturally at closings. Most agents are ready to gift their first vault within a week of their initial call.
Stand out from every other agent in your market.
Give clients a closing gift that protects their family for life — with your brand on it.
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For Attorneys & Legal Professionals
Estate Planners & Attorneys
How estate planners use iVaultX to close the gap between well-drafted documents and families who can actually find and access them.
The most common reason well-drafted estate plans fail families is access — not legal deficiency. Families cannot find the will. They do not know where the life insurance policy is. They cannot access locked digital accounts. They do not know the passwords. They did not know there was a second retirement account. iVaultX solves the access problem by ensuring every document your client signs is organized, encrypted, and automatically delivered to the right people at the right time — turning a static document into a living, accessible plan.
Estate attorneys who recommend iVaultX report spending less time on probate emergencies and more time on planning work — because their clients' families arrive prepared, not searching. Learn about estate planner partnerships →
iVaultX is specifically designed to close the digital asset gap that RUFADAA creates. Clients can store cryptocurrency wallet addresses, seed phrases, online account credentials, and specific instructions for digital asset access — all encrypted and accessible only to designated recipients at the right time. The vault supports codicil creation specifically for digital assets. Because 46 states have now adopted RUFADAA, including digital asset instructions in every estate plan is essential — and iVaultX makes that operationally simple for both attorney and client.
No. Recommending iVaultX is comparable to recommending a secure document storage service or a fireproof safe. IronClad Family is not a legal document drafting service — it is a secure storage, organization, and automated delivery platform. The legal documents remain yours to draft and execute. iVaultX ensures those documents are accessible and delivered correctly, which complements and enhances your estate planning work rather than competing with it.
When clients go through vault setup, they surface gaps they did not know existed: stale beneficiaries that conflict with the current will, digital assets not covered by existing legal language, missing healthcare directives, and crypto holdings with no succession plan. Estate attorneys who partner with IronClad Family use vault setup as a structured review process that consistently uncovers new engagement opportunities within their existing client base.
Yes. iVaultX serves clients at every level — from young families establishing their first will and emergency plan to high-net-worth individuals with complex multi-state estates, business succession plans, and significant digital asset portfolios. The platform's unlimited vault structure accommodates complex estates with multiple properties, businesses, and planning documents, while remaining simple enough for any client to navigate independently.
Make your estate plans actually work.
Every document you draft deserves a delivery system. Let's talk about how iVaultX can become part of your practice.
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Trust & Privacy
Security & Privacy
IronClad Family was built by cybersecurity professionals holding two US patents. Here is exactly how we protect your most sensitive information.
Zero-knowledge encryption means your data is encrypted on your device before it ever travels to our servers. IronClad Family holds the encrypted data but does not hold the encryption keys — so we literally cannot see what you store. Think of it this way: we are the security guard protecting a locked steel box. We keep the box safe, but we never have the key to open it. Only you and the recipients you authorize can decrypt and access your vault.
This is verified. Jim, one of our skeptical customers, specifically tested this claim: "I put IronClad Family to the test. I discovered they genuinely cannot read my information. Finally, a platform that does what it says."
No. Zero-knowledge architecture makes it technically impossible for IronClad Family staff to access your vault contents under any circumstances. This is not a policy — it is an architectural constraint baked into how the encryption works. Your keys never leave your device in unencrypted form. Even in the event of a data breach, your information would be useless to any attacker because they would only have encrypted data with no corresponding keys.
- Two-factor authentication (2FA): Required for all accounts — even if your password is stolen, no one can access your vault without your device
- Daily security scans: Continuous monitoring for intrusion and vulnerabilities
- OWASP Top 10 compliance testing: Regular audits against the industry's most critical security risks
- Enterprise-grade infrastructure: Built on Microsoft Azure with military-grade encryption standards
- Two US patents: Our security approach is patent-protected and independently reviewed by security researchers
Yes. IronClad Family is a veteran-owned cybersecurity company founded with a mission to protect American families. Our founding team holds advanced degrees in cybersecurity, US patents in family protection technology, and has published peer-reviewed academic research on security certification frameworks. The same discipline that goes into military-grade security design goes into every aspect of iVaultX.
Because of zero-knowledge encryption, IronClad Family cannot reset your password — we do not have access to your keys. If you forget your master password, you must use the unique recovery key generated during your account setup. This is why it is critical to store your recovery key safely in a secure physical location separate from your devices — ideally in a fireproof safe or with a trusted person. Your recovery key is the only way to regain access if you are locked out.
Built by cybersecurity professionals. Tested by skeptics.
Read the full technical breakdown of how IronClad Family protects your data.
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Plans & Pricing
Pricing & Plans
Transparent pricing. No hidden fees. 30-day money-back guarantee on every paid plan.
Free Trial
$0
14 Days — No Card Required
- 1 vault & 1 file upload
- 1 recipient
- Zero-knowledge encryption
- Manual delivery
Most Popular
iVaultX Annual
$15.75/mo
$189/year — Cancel anytime
- Unlimited vaults & uploads
- Unlimited recipients
- Automated delivery triggers
- 2 Emergency Wallet Cards
- Will, Codicil & Funeral Planners
- Remote online notarization
- Recipient Locator service
Done-For-You
$499+
White-glove service
- We digitize all your documents
- Full vault setup & organization
- Recipients & delivery configured
- Originals returned securely
- Ongoing support included
For less than $16/month you get unlimited vaults, real zero-knowledge encryption, a built-in Will and Codicil Planner, a Funeral Planner, automated delivery, two Emergency Wallet Cards, remote online notarization, and a Recipient Locator service. A single session with an estate attorney costs $200–$500 and covers one document. Probate court to unlock a digital account can cost $5,000–$50,000+ and take months. iVaultX covers your entire family's legacy — continuously updated and automatically delivered — for the price of a streaming subscription.
Yes. IronClad Family offers a 30-day money-back guarantee on all paid plans. If you are not completely satisfied within the first 30 days, contact us at admin@ironcladfamily.com for a full refund — no questions asked.
Yes. Financial advisors, real estate agents, insurance brokers, employee benefit providers, and family offices can access partner pricing for client gifting and bulk vault subscriptions. Emergency Wallet Card bulk orders with co-branding are also available. Contact us at admin@ironcladfamily.com or visit ironcladfamily.com/advisors-and-agents to discuss options.
Yes. No long-term contracts, no cancellation fees, no exit penalties. Cancel your subscription at any time. Your vault and all contents remain fully accessible until the end of your current billing period. Your data is never deleted without your explicit instruction.
14 days free. No credit card.
Start protecting your family in the next 30 minutes. Cancel anytime. 30-day money-back guarantee.
Still have questions?
Our team is ready to help by phone, email, or you can chat with Jessica — our AI family protection specialist — right on the website.