32%
US adults
with any will
with any will
Down from 33% in 2022 — the first measured decline in a decade.
A seed-stage proposition · Canberra · 2026
A living record of
your last wishes.
Legacy.ai is the first service that continuously revalidates your post-death intentions, governs the AI agent that will represent you, and brings the people you love into the conversation — while you are still here to have it.
76%
of adults under 60
have no current will
have no current will
54%
of 40-somethings carry
both parents and children
both parents and children
$22B
addressable death-tech
category by 2030
category by 2030
0
competitors combining
wishes, AI & co-deliberation
wishes, AI & co-deliberation
Chapter
I.
The Problem
A generation that won't
talk about dying — and the
families they leave behind.
Estate planning is a behavioural failure, not a product gap. Three quarters of working-age adults in Australia, the US and the UK have no current will. Of those who do, most have not updated it since a divorce, a birth, a death — or the rise of an AI economy that will outlive them.
The cost is borne in three places. Families inherit ambiguity and dispute. Hospitals and funeral directors guess at preferences. And the digital self — the photographs, the voicemails, the AI agents that will increasingly act on our behalf — is left to a patchwork of platform Terms of Service drafted before any of this existed.
"We're not avoiding the document. We're avoiding the conversation."
Existing solutions ask you to fill in a form once and forget it. None continuously revalidates your wishes. None lets the people you love participate in the deliberation. None says anything coherent about the AI that will speak in your voice after you are gone.
46%
Adults 60–69
with a will
with a will
Climbs to 80% only at age 80+ — when most planning is too late.
43%
Cite the same reason:
"Haven't gotten to it"
"Haven't gotten to it"
Procrastination, not cost, is the binding constraint.
7
Major platforms with
incompatible legacy regimes
incompatible legacy regimes
Apple, Google, Meta, Microsoft, X, LinkedIn, Instagram — each with its own rules.
Figure 01 · The cost is generational
Chapter
II.
The Market
Three adjacent categories
that nobody has yet
stitched together.
Three categories. Each backed by venture capital. Each missing the others' substance.
A
Estate & will-techDocument workflow, lawyer review
$4–6B
B
Grief-tech & digital twinsVoice clones, AI avatars, "deadbots"
Rapid growth
C
End-of-life coordinationFuneral, paperwork, family logistics
$12B
×
The intersectionLiving document · governed AI agent · co-deliberation
Unclaimed
Chapter
III.
The Solution
A wishes document that
keeps itself current —
and a constitution for the
agent that will follow.
Legacy.ai is the only service that does four things at once: captures your wishes, revalidates them on a cadence you set, governs the AI agent that will represent you after death, and invites the people you love into the deliberation while you can still hear them.
We bridge to an estate solicitor for legal-grade execution today, and graduate to fully electronic wills in jurisdictions as regulation permits. The same workflow handles funeral preferences, ongoing actions (a flower delivery every year, a letter to a grandchild on their eighteenth), and the constitutional limits on any posthumous AI you choose to enable.
Quarterly check-in · 2 of 12
If you were unable to attend, who should give the eulogy at your memorial?
"My sister Charlotte. If she declines, my closest friend at the time of my death — Legacy.ai should ask Asjad first."
Invited witnesses
C
A
M
+ 2
01 / Continuous validation
Wishes that age with you
Quarterly micro-prompts, life-event triggers, and a "last reviewed" timestamp on every clause. Courts and families will know your wishes were current.
02 / Co-deliberation
Invite the people you love
Grant discussion access to family members; grant decision authority on specific matters (the eulogy, the music, the donation). The conversation happens before grief, not in spite of it.
03 / Agent constitution
Guardrails for what comes after
Scope, lifespan, retirement ritual, voice and likeness rights, things the agent must never say or do. The first product to make this a structured legal instrument.
04 / Lawyer bridge
Court-ready when it matters
Wishes document operates as evidence of testamentary intention under Australia's dispensing-power statutes; pairs with a solicitor-reviewed will. Graduates to electronic wills as jurisdictions adopt.
Chapter
IV.
The Landscape
Eight named players.
None of them combine
what we combine.
Grief-tech builds the avatar but offers no governance. Death-planning builds the document but never revalidates. Will-tech builds the legal instrument but never asks who you want to inherit your voice.
| Player / Pricing | Continuous validation |
Co-deliberation with contacts |
AI agent constitution |
Lawyer-grade will workflow |
Posthumous actions |
|---|---|---|---|---|---|
| Legacy.aiA$79 / A$199 / A$499 lifetime | ● | ● | ● | ● | ● |
| HereAfter AIUS$3.99–7.99/mo | ○ | ◐ | ○ | ○ | ○ |
| Eternos / Uare.aiUS$25/mo | ○ | ○ | ○ | ○ | ○ |
| StoryFileChapter 11, 2024 | ○ | ○ | ○ | ○ | ○ |
| EmpathyUS$8.99/mo · $72M Series C | ○ | ◐ | ○ | ◐ | ○ |
| LanternUS$27/yr · acquired by Wellthy | ○ | ◐ | ○ | ○ | ○ |
| Trust & WillUS$199–599 one-off | ○ | ○ | ○ | ● | ○ |
| Safewill (AU)Free updates · A$15/yr | ○ | ○ | ○ | ● | ○ |
| EverplansUS$75/yr | ○ | ○ | ○ | ○ | ◐ |
● Native capability
◐ Partial / adjacent
○ Not offered
Chapter
V.
The Moat
Four reasons the
defensible version
of this product is ours.
i.
Continuous-validation data flywheel
Every quarterly check-in creates a new datapoint on intention drift, family conflict patterns, and end-of-life preference taxonomies. Within five years we own the largest longitudinal dataset on how people actually change their minds about death — a moat no one-off will service can build.
ii.
A network effect that doesn't trade on grief
Invite-driven activation, with the invitee free and the owner paid, mirrors Dropbox's permanent 60% growth lift and LinkedIn's contact-import wedge. The activation event is inviting one person — not completing a document.
iii.
Regulatory option value, not regulatory risk
NSW's dispensing power admits unsigned online-platform wills to probate today. Sixteen US states already authorise electronic wills. We are positioned to graduate jurisdiction-by-jurisdiction as the law catches up — a tailwind, not a headwind.
iv.
An ethics charter that pre-empts regulation
By adopting the Cambridge Leverhulme Centre's recommendations and Öhman/Floridi's "dignity-of-digital-remains" framing on day one, we set the standard others will be forced to meet. Ethics becomes a moat, not a cost.
Chapter
VI.
The Ethics Charter
Seven commitments. Public.
Audited. Non-negotiable.
The digital afterlife industry will be regulated. The question is who sets the standard.
Microsoft's 2021 patent for a chatbot of a dead relative generated months of bad press for a product they never built. Zelda Williams called AI generations of her father "disgusting." StoryFile entered Chapter 11 leaving its users uncertain. We will not be those stories.
Our charter is adapted from the Cambridge Leverhulme Centre for the Future of Intelligence (Hollanek & Nowaczyk-Basińska, 2024) and Öhman & Floridi's framing of digital remains as analogous to physical human remains under the ICOM Museum Code of Ethics. We publish an annual transparency report.
No. 01
Meaningful consent
Both the data donor and every interactant must explicitly agree. Consent is granular, revocable, and verified at the moment of use — not buried in a signup flow.
No. 02
Transparent identity
An interactant always knows they are speaking with an AI representation. There is no impersonation mode and never will be.
No. 03
Age-gated recipients
Only adults may interact with a posthumous agent. Children may receive written letters and scheduled messages authored by the deceased — not synthetic conversation.
No. 04
The right to retire
Every agent has a defined lifespan, a planned cessation, and a dignified "digital funeral." Persistence is opt-in and revocable by named successors.
No. 05
Opt-out for the bereaved
No surviving person can be made the recipient of agent activity against their will. Distress signals trigger an automatic pause.
No. 06
No advertising. Ever.
Grief is not a monetisable surface. The agent will never carry a sponsor message, an affiliate link, or third-party data sharing. This is a constitutional limit.
No. 07
Authored output only
The agent does not generate novel statements about identifiable third parties. It expresses what its principal authored, with clear provenance and timestamps.
Advisory Board · placeholders for confirmed appointees
A council that holds us to it.
Chair · Ethics
[ To be appointed ]Cambridge LCFI–affiliated digital afterlife researcher
Reviews and signs the annual transparency report. Veto rights on product changes touching the charter.
Estate law
[ To be appointed ]Senior succession practitioner, NSW Bar
Oversight of will-bridge workflow and dispensing-power evidence standards across Australian jurisdictions.
Indigenous protocols
[ To be appointed ]AIATSIS-affiliated cultural advisor
Cultural-restriction product features, sorry-business protocols, name and image conventions across language groups.
Grief & bereavement
[ To be appointed ]Clinical psychologist, grief specialism
Distress-signal protocols, recipient safeguards, escalation pathways to professional bereavement support.
Chapter
VII.
The Ask
A seed round to claim
the intersection —
before someone else does.
Seeking
A$3M seed
18 months to NSW pilot, US e-wills launch, and the first insurer / superannuation channel partnership.
Use of funds
40%
Product & engineeringContinuous-validation engine, agent constitution tooling, integrations
A$1.2M
25%
Compliance & legal architectureSolicitor partnerships, jurisdiction onboarding, custodian status
A$750K
20%
Distribution & B2B2CInsurer, super fund, charity channel partnerships
A$600K
10%
Brand & communityEthics board, transparency reporting, death-positive PR
A$300K
5%
Operations & reservesEscrow, business-continuity wind-down trust
A$150K
18-Month Roadmap
Four milestones to Series A.
Q2 · 2026
NSW pilot
1,000 paid owners under the s.8 dispensing-power framework. Three solicitor partnerships.
Q4 · 2026
US e-wills launch
Florida, Nevada, Utah, Washington. Registered qualified custodian where required.
Q2 · 2027
First B2B2C channel
Australian life insurer or super fund pilot — 100,000 policyholders covered.
Q4 · 2027
Series A ready
25,000 paid owners. A$2M ARR. Three jurisdictions live, two more in progress.
Chapter
VIII.
Objection Handling
The honest answers to
the hard questions
investors ask first.
Q.01
Isn't this just a deadbot in a nicer package?
No. The AI agent is an opt-in feature governed by a constitution the principal authors, with strict guardrails on what it can say and a mandatory lifespan. Most users will never enable it. The core product is the continuously-validated wishes document — the agent is one downstream expression of it, not the substance.
Q.02
Will the Bar associations sue you for unauthorised practice of law?
No, because we don't practise law. Will-grade workflows bundle a solicitor review (the Safewill model, validated in Australia). Wishes documents operate as evidence of testamentary intention under each Australian state's dispensing-power statute — a regime that already admits unsigned online-platform wills to probate.
Q.03
What happens if you go out of business?
Source code and customer data are held in escrow with a third-party custodian under a fail-safe wind-down trust. Every owner receives a portable, signed export on a defined cadence. We are the most boring failure in death-tech: if we go, your wishes remain intact and accessible. StoryFile's Chapter 11 informed our entire continuity architecture.
Q.04
How is this not creepy?
Because we are not selling immortality. We are selling a structured way to do something humans already do badly: tell their loved ones what they want before they die. The AI component is governed, transparent, age-gated, opt-out by default for recipients, and forbidden from advertising. The Cambridge ethics framework is our charter, not our marketing.
Q.05
Why won't Empathy, Trust & Will or Safewill just bolt this on?
They could try. Empathy's wedge is post-loss family logistics — adding pre-death deliberation cannibalises their insurer-channel narrative. Trust & Will and Safewill are document-execution businesses optimised for one-off transactions; subscription-based continuous validation breaks their unit economics. The intersection is hard to occupy from any one corner.
Q.06
Why now?
Three forces converge in 2026. (i) NSW's s.8 dispensing power has now admitted an unsigned Safewill document to probate, creating legal precedent. (ii) New York became the sixteenth US e-wills jurisdiction in December 2025. (iii) California AB 1836 and Tennessee's ELVIS Act make explicit that posthumous AI replicas need governance — and no current player provides it. The window is open.
Q.07
What's the unit economic argument?
Owner LTV at A$199/yr × 5-year retention is roughly A$1,000. Invite-driven activation should keep blended CAC under A$80, mirroring Dropbox-class viral coefficients in adjacent categories. B2B2C insurer channels target sub-A$15 CAC at the cost of revenue share. Gross margin north of 80% on the SaaS layer, lower on lawyer-bundled tiers.
Request access · partners & investors
A conversation worth
having while we can.
We are taking a small number of seed conversations and a smaller number of strategic channel partners through Q1 2026.
GENERAL ENQUIRIES
hello@legacy.ai
BASED IN
Canberra · Sydney · Melbourne