For financial advisers, probate solicitors and bereavement services
When a partner dies, the money questions arrive all at once.
Survivor Engine helps you give a bereaved client clear answers: what they own, what they can reach and when, what tax is due, whether the money lasts, and what to do first.
It is information and decision support. You review it, you sign it, and the advice is yours.
The problem
Often the person who has died was the one who looked after the money. The person left behind may never have filed a tax return, spoken to a pension provider or read a will.
Within days they face accounts frozen until probate, letters from organisations they have not heard of, and deadlines that carry penalties. They are asked to make large decisions while grieving, and some of those decisions cannot be undone.
For the firm helping them, the work is slow. The facts sit in a dozen places, the rules differ between England & Wales, Scotland and Northern Ireland, and the figures change every tax year.
What the survivor receives
A report written for a bereaved reader
It comes in stages, so they see what matters now and are not handed everything at once. A technical appendix sits behind it for you.
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01
What they own
Each asset, who owned it, who is now entitled to it, and by what route. This covers wills, joint ownership, trusts, and the rules that apply where there is no will.
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02
What they can reach, and when
Which money is available today and which is held until probate or confirmation, with a check on whether the bills are covered in the meantime.
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03
What tax is due
Inheritance tax and income tax worked through under the rules in force on the dates that matter, with each figure traced to its source.
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04
Whether the money lasts
A lifetime projection that allows for how long they may live, investment returns, tax, children and the possible cost of care. It is an estimate, and the report says so.
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05
A safe monthly spend
A monthly figure the projection supports, for you to discuss with your client. It becomes advice only when you have reviewed and signed it.
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06
Dated deadlines and a plain action list
What must be done, by which date, and what can wait. Written in plain English and ordered by urgency.
A look at the report
One page first. The detail behind it.
This is a drawing of how a report is laid out, made for this website. The figures are invented.
What to do, in order
- This week Tell each bank. Joint accounts carry on in your name. Accounts in their sole name are frozen.
- This month Claim Bereavement Support Payment. Ask the council about the single-person discount.
- Months 2 to 6 Apply for probate. Ask each pension scheme for all the options in writing.
- No rush The house, the investments and the long-term plan can wait, and are for a conversation with your adviser.
Awaiting review and signature by the client's own authorised adviser.
What you can reach
£18,400 today
- Available now
- Held until probate
Are the bills covered
Month by month for eighteen months, while sole accounts are frozen. The dashed line is the monthly bills.
Does the money last
10,000 possible futures, from today to a long life. An estimate, not a promise.
Dates that matter
- Month 3 Claim Bereavement Support Payment for the full amount.
- Year 2 Last date to vary who inherits.
Use cases
Four households, four different answers
The same engine, run on four invented examples. Each is an illustrative scenario and not a real client. They show how much turns on where someone lived, whether they were married, and whether there was a will.
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A widow with no children
Most of the estate is frozen until probate. With no children, one inheritance tax allowance is not available on either death.
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A blended family and a young child
The will sets up two trusts. Part of what looks like the survivor's money is held for her for life, or belongs to the children.
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A spouse and two adult children
Scots law gives the survivor prior rights and legal rights. The children are entitled to a share, whatever the family expected.
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An unmarried partner
With no will, the law gives an unmarried partner nothing automatically. A claim is possible and the time limit is short.
Illustrative scenarios. Not real clients. See all the use cases, including how a planning firm, a probate solicitor and a bereavement service might use the engine.
How the law is kept current
No legal figure is written into the software
Every rate, threshold and deadline lives in a rule pack, stored with the official page it came from. This is what happens to each one.
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Step
Stored with its source
Each figure sits in a rule pack beside the official page it was taken from.
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Step
Re-read and compared
The engine fetches the official page again and compares what it says with the pack.
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Step
Set aside if changed
A changed figure is quarantined. If the page changes but the figure does not, nothing happens.
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Step
Decided by a person
A reviewer sees the old value, the new value and the passage read, and approves or rejects it.
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Step
Kept on the record
Every proposal, approval and rejection keeps its history.
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Step
Adopted by a professional
A named reviewer with a stated credential adopts the pack.
Not yet done
156 source checks. Each is tied to an official page. On 15 November 2026 all 156 matched.
Two tax years. 2026/27, and 2027/28 as a separate pack in which each figure is labelled as enacted, announced, proposed or carried forward.
Where this stands. No pack has yet been adopted by a tax professional, so every report is stamped as a draft. How law changes are reviewed
Who it is for
Used by a firm, never direct by the public
An authorised adviser is responsible for anything given to a client.
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Financial planning firms
You see bereaved clients regularly and prepare each case by hand. Survivor Engine does the fact-finding, the arithmetic and the paperwork, and shows how each number was reached.
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Probate solicitors
You already hold the estate data. Hand the survivor on with a prepared case, or keep the relationship through an in-house planner.
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Bereavement services
Working with an authorised adviser, give the people you support a calm, ordered picture of where they stand.
Indicative pricing
Planning figures, being tested with pilot firms
These prices are indicative. They may change, and they are not an offer.
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Private pilot
Free
three live cases
In exchange, your firm's reviewer checks the rule pack and, if the pilot works for you, you provide a written reference.
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Per case Indicative
£250 to £400
per case
For firms with a small number of bereavement cases a year.
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Per adviser Indicative
£300 to £500
per adviser, per month
A subscription for firms with regular volume, including the monitored rule pack for each tax year.
More for advisers, and the questions your compliance officer will ask
What you can rely on
Every figure can be traced
- Every legal figure carries its source and can be traced from the report back to the official page.
- Output is marked as information until a named, authorised adviser signs it. The sign-off is bound to the exact content signed.
- A tamper-evident record is kept of every sign-in, case change, calculation, upload, sign-off and rule change.
- Irreversible actions carry a cooling-off period, and large transfers a delay involving a trusted contact.
- Every report states what the model does not cover.
- Client data is not sent to AI services or third-party analytics.
Security in brief
How client data is looked after
- Two-step sign-in: a password, then a code from an authenticator app.
- Each firm's data is kept separate from every other firm's.
- Case data is kept for six years after a case is closed, longer for pension-transfer advice, and can be exported or erased.
- Health information is stored only with recorded consent.
- National Insurance, bank account and card numbers are refused or masked.
- Encrypted backups are taken daily to a second server, with a restore test every week.
These describe the staging service, which holds sample data only. Security and data protection in full
Where things stand
What is done, and what is not
We would rather you knew before you asked. This list is updated when something changes, and not before.
| Item | Status |
|---|---|
| Rule-pack figures checked against official sources | Done: 156 of 156 |
| Two-step sign-in, separation between firms, retention and erasure, encrypted backups | In place on staging |
| Internal security test: 46 checks, with 10 weaknesses found and fixed | Done, internal only |
| Rule packs adopted by a tax professional. Until then every report is stamped as a draft | Not yet |
| Independent penetration test | Not yet |
| ISO 27001 or any other security certification | None held |
| Data protection impact assessment | Draft, not signed |
| Open for real client data | Not yet: private pilot |
Private pilot
Talk to us about a pilot
We are working with a small number of firms in a private pilot. If you help bereaved clients and would like to see a sample report, we would be glad to hear from you.
The button opens an email to george.amoako-atta@quantumsyndicate.ai. The website has no forms and collects nothing.
If you have been bereaved yourself
We are sorry for your loss. Survivor Engine is used through advisers and cannot help you directly from this website. The government's step-by-step guide is a good place to start: What to do when someone dies (GOV.UK).