The Complete Asset Inventory Checklist After Death
先人資產清單完全指南
A comprehensive, printable checklist of every type of asset to search for when a loved one passes away. Organised into 11 categories with details on where to search and who to contact. Print this page and tick off each item as you go.
一份全面、可列印的清單，涵蓋親人離世後需要搜尋的每一類資產。分為11個類別，詳列搜尋途徑及聯繫對象。請列印此頁，逐項核實。
Table of Contents
How to Use This Checklist
After someone dies, one of the most important tasks is identifying every asset they owned. Missing even one bank account, insurance policy, or property title can mean lost money that rightfully belongs to the estate. This checklist is designed to be exhaustive — not every item will apply, but by going through each one systematically, you ensure nothing is overlooked.
Tip: Print this page (Ctrl+P / Cmd+P) and work through it methodically. For each item, note whether it applies, the current status, and any reference numbers. Bring the Grant of Probate or Letters of Administration, the death certificate, and your own ID when contacting any institution.
1. Banking & Cash
Banks will not proactively notify you of existing accounts. You must contact each bank individually with the deceased's HKID number. Hong Kong has over 150 licensed banks — start with the major retail banks.
Check all major banks: HSBC, Hang Seng, Bank of China, Standard Chartered, ICBC, Bank of East Asia, DBS, Citibank, etc. Visit branches with death certificate and HKID to request a deceased account search.
Including passbook savings accounts. Check for physical passbooks at home — many older adults kept passbook accounts at multiple banks. Also check for e-Savings accounts at virtual banks (ZA Bank, Mox, livi, etc.).
Look for FD certificates or confirmation letters at home. Banks will confirm FD balances when you report the death. Note maturity dates — early termination may incur penalties but the principal is still an estate asset.
Many HK residents hold USD, RMB, GBP, or AUD savings. These may be at the same bank as HKD accounts or at separate institutions. Ask each bank to search all currency denominations.
Joint accounts with "either to sign" mandate typically pass to the surviving holder automatically outside the estate. Joint accounts with "both to sign" are frozen on death. Confirm the mandate type with the bank.
Accounts with no transactions for 12+ months may be classified as dormant. Banks still hold the funds. In Hong Kong, banks do not transfer unclaimed balances to the government — the money stays at the bank indefinitely. Contact the bank's deceased estates department.
2. Property & Real Estate
Search the Land Registry (www.landreg.gov.hk) using the deceased's name and HKID. A land search costs HK$25 online. This reveals all registered interests in Hong Kong property.
Land Registry search by name/HKID. Joint tenancy properties pass by survivorship — file a "Memorial of Survivorship" at the Land Registry. Tenants-in-common shares form part of the estate.
Offices, shops, factory units, godowns. Search Land Registry and check for tenancy agreements among the deceased's papers. Contact the property management company for any outstanding rental income.
Often purchased separately from residential units. Car parks have their own title deeds and are registered at the Land Registry. Check management office records and any monthly rental income.
New Territories indigenous villagers may hold village house lots. Search the Land Registry and contact the relevant District Lands Office. Be aware of alienation restrictions on New Grant lots.
Many HK residents own property in Shenzhen, Guangzhou, Zhongshan, or other Mainland cities. Check for property certificates (房產證/不動產權證書) at home. You will need a notarised succession certificate from a Mainland notary public. Contact the local Housing Authority (房管局) in the relevant city.
UK, Australia, Canada, USA, and Southeast Asia are common. Look for mortgage statements, property tax bills, rental income records, or correspondence from overseas solicitors/real estate agents. Each country has its own probate requirements.
3. Insurance Policies
There is no central insurance policy register in Hong Kong. Search the deceased's papers for policy documents, premium payment records, and correspondence from insurers. Check bank statements for regular premium debits.
Contact major insurers: AIA, Prudential, Manulife, Sun Life, FWD, HSBC Life, BOC Life, China Life, etc. Provide death certificate and policy number (if known). Life insurance with a named beneficiary pays directly to the beneficiary outside the estate.
If the deceased was diagnosed with a critical illness before death, there may be an unclaimed CI payout. Check if the policy had a CI rider or standalone CI cover. Contact the insurer's claims department.
Outstanding medical claims for treatment before death can still be submitted. Check VHIS (Voluntary Health Insurance Scheme) policies, corporate medical plans, and any top-up medical cover. Claims are usually valid up to 90 days after the policy ends.
Contact the deceased's employer HR department. Many employers provide group life cover (typically 1-3x annual salary) and may also offer accidental death benefits. Ask for the employee benefits summary.
If the deceased had a mortgage, check whether mortgage protection insurance was taken out. This may pay off the outstanding mortgage balance. Contact the mortgage lender and any insurer named in the mortgage documents.
If the deceased died while travelling or had an annual travel policy, check for accidental death cover. Contact the travel insurer and the credit card company (many credit cards include complimentary travel insurance).
4. Retirement & Pensions
The MPFA maintains a central database. Call the MPF hotline at 2918 0102 or use the "Personal Account" enquiry at mpfa.org.hk to search for all MPF accounts linked to the deceased's HKID.
Contact the deceased's current employer to identify the MPF trustee. Major trustees: Manulife, HSBC, AIA, Sun Life, BCT, BOCI-Prudential. Submit death certificate and Grant of Probate to claim.
People who changed jobs may have multiple preserved MPF accounts scattered across different trustees. Use the MPFA's "Account Consolidation" search or call 2918 0102 to locate all accounts by HKID.
Tax-deductible voluntary contributions (TVC) accounts are separate from mandatory accounts. These may be held at a different trustee from the employer scheme. Check MPFA records.
Older or larger employers (e.g., government, utilities, banks) may run ORSO pension schemes instead of or in addition to MPF. Contact the employer's HR department. The MPFA also regulates ORSO schemes.
UK State Pension (contact DWP International), US Social Security (contact SSA), Australian Superannuation (contact ATO for lost super search), Canadian CPP/OAS, Singapore CPF. Check if the deceased ever worked overseas and accumulated pension entitlements.
5. Investments & Securities
Search for brokerage account statements, contract notes, dividend cheques, and annual reports among the deceased's papers. Contact CCASS (the Central Clearing and Settlement System) via HKEX for shares held in the CCASS system.
Check with securities brokers (there are 500+ in HK). Look for monthly/quarterly statements, contract notes, or dividend notifications. Contact HKEX Investor Services at 2840 3025 for shares held in CCASS. Also check for shares held through bank securities services (HSBC, Hang Seng, etc.).
iBonds, Silver Bonds, Green Bonds issued by the HKSAR Government are held via placing banks or Hong Kong Securities Clearing Company. Corporate bonds may be held through brokers. Check for bond certificates or CMU (Central Moneymarkets Unit) statements.
Typically held through banks or fund platforms (e.g., FundRich, FSM). Check bank statements for regular investment plan debits. Contact the fund house directly if the deceased held units outside a bank — major managers include BlackRock, Fidelity, Schroders, JP Morgan AM.
Traded like stocks through brokers. The Tracker Fund of Hong Kong (2800.HK) is the most widely held. Check brokerage accounts and bank securities accounts.
Older investors may hold physical share certificates at home or in a safe deposit box. These are still valid. Contact the company's share registrar (Computershare, Tricor, Link Market Services) to verify ownership and arrange transfer. Look for certificates in safes, filing cabinets, and safe deposit boxes.
6. Business Interests
Search the Companies Registry (www.icris.cr.gov.hk) for directorships and shareholdings. Search the Business Registration Office for sole proprietorships and partnerships. Searches cost HK$22 each online.
Search the Business Registration Office by the deceased's name/HKID. The business assets and liabilities pass to the estate. You may need to wind up or transfer the business. Contact the Inland Revenue Department for outstanding tax liabilities.
Review the partnership agreement for succession provisions. The deceased's share of partnership assets is an estate asset. Contact surviving partners. Check the Business Registration records for all partnerships the deceased was involved in.
Search the Companies Registry (ICRIS) for all companies where the deceased was a shareholder or director. Review the company's Articles of Association for share transfer provisions. The shares form part of the estate and must be valued (typically by an accountant).
Search the Intellectual Property Department (ipd.gov.hk) for registered patents and trademarks. Copyright does not require registration but may generate royalty income. Check for licensing agreements, royalty statements, and any domain names generating income.
7. Government Amounts Owed
Various government departments may owe money to the deceased. These amounts form part of the estate.
File a final tax return for the deceased. If the deceased overpaid salaries tax or profits tax, a refund is due to the estate. Contact IRD at 187 8022 to notify them of the death and request clearance.
If the deceased was a property owner, check whether any rates rebates or government rent concessions are outstanding. Contact the Rating and Valuation Department at 2152 0111.
Deposits paid to CLP/HK Electric, Towngas, and the Water Supplies Department are refundable when the account is closed. Contact each utility provider with the death certificate and account details. CLP: 2678 2678. HK Electric: 2887 3411. Towngas: 2880 6988. Water: 2824 5000.
8. Digital & Online Assets
Digital assets are increasingly valuable. Check the deceased's devices (phone, computer, tablet) and email accounts for clues. Many digital services have specific processes for deceased account holders.
Email is the master key to finding other assets — search for bank statements, insurance renewals, investment confirmations. Google has an Inactive Account Manager; Apple has a Digital Legacy program; Microsoft has a Next of Kin process.
Check the deceased's phone for payment apps. Each platform has a bereavement process. PayPal: submit death certificate to customer service. Alipay HK / WeChat Pay: contact customer support with death certificate and proof of relationship. Check for stored balances.
Look for hardware wallets (Ledger, Trezor), exchange accounts (Binance, Coinbase, OSL, HashKey), recovery seed phrases written on paper, and crypto-related apps on the deceased's phone. Without private keys or seed phrases, crypto may be irrecoverable. Check email for exchange registration confirmations.
Check domain registrars (GoDaddy, Namecheap, HKDNR for .hk domains). Domains can have significant value. Look for renewal notices in email. Revenue-generating websites (e-commerce, advertising) should be identified and maintained during estate administration.
9. Physical Assets & Valuables
Physical assets should be documented, photographed, and securely stored during estate administration. Professional valuations may be needed for high-value items.
There is no central registry in HK. Contact each bank and private vault operator (Malca-Amit, Guardian, Brink's) to check if the deceased rented a box. The EBSU (Estate Beneficiaries Support Unit) at Home Affairs Dept (2835 1535) oversees the inspection process.
Check for self-storage rental agreements or regular payments in bank statements. Major operators: StorHub, RedBox, SC Storage, Spacebox. Contact each facility.
Search the Transport Department vehicle registry. Check for vehicle registration documents, insurance certificates, and tunnel tag accounts (Autotoll). Contact the Transport Department at 2804 2600 for a vehicle ownership search by HKID.
Registered with the Marine Department. Search the Shipping Register for vessel ownership. Contact the Marine Department at 2852 3001. Check for berth/mooring fees and marine insurance policies.
Document and photograph all items. Obtain professional valuations from auction houses (Christie's, Sotheby's, Bonhams HK) or certified appraisers. Check for insurance riders or scheduled items on home contents policies that may list valuable pieces.
Check home safes, bedroom drawers, and safe deposit boxes. Obtain valuations from certified gemologists or reputable jewellers. Look for purchase receipts, certificates of authenticity (e.g., GIA diamond reports), and insurance appraisals. Gold bars/coins should be weighed and valued at current spot price.
10. Debts Owed TO the Deceased
Money that other people or entities owe to the deceased is an asset of the estate. The estate administrator has a duty to collect these debts.
Check the deceased's records for loan agreements, IOUs, promissory notes, or bank transfer records showing large sums sent to individuals. Text messages and emails may contain evidence of informal loans. The estate can demand repayment.
If the deceased was a landlord, tenants may be holding rental deposits that will eventually be returned or offset against the final rent. More importantly, check for ongoing rental income owed. Review tenancy agreements and contact tenants or the property management agent.
11. Overseas Assets by Country
If the deceased lived, worked, or invested overseas, there may be assets in those countries. Each jurisdiction has its own probate process. A Hong Kong Grant of Probate may need to be "resealed" in other common-law jurisdictions.
Search: UK bank accounts (write to each bank), NS&I (Premium Bonds, savings), HMRC for tax refunds, DWP for State Pension. Use the free government "Tell Us Once" service. UK probate (or reseal of HK grant) is needed for assets over £5,000. Contact: GOV.UK bereavement service.
Search: US bank accounts, 401(k)/IRA retirement accounts, Social Security benefits, state unclaimed property databases (missingmoney.com). US estate tax may apply if US-situs assets exceed US$60,000 for non-residents. Contact: IRS, SSA, each state's unclaimed property office.
Search: Canadian bank accounts, RRSP/RRIF/TFSA accounts, Canada Pension Plan (CPP), Old Age Security (OAS), provincial unclaimed property registries. File a final Canadian tax return. Contact: CRA (Canada Revenue Agency), Service Canada, Bank of Canada unclaimed balances.
Search: Australian bank accounts, superannuation (use ATO's "Super Fund Lookup" and "myGov" lost super search), Medicare refunds, Centrelink benefits. Australia has a central unclaimed money register at ASIC. Contact: ATO (13 28 65), each super fund, Services Australia.
Search: Bank accounts (ICBC, BOC, CCB, ABC, CMB, etc.), property (房管局), social insurance/pension (社保局), investment accounts (stock accounts at CSDCC). Requires notarised succession certificate from a Mainland notary public. Contact: The specific bank branch where the account was opened; local 公證處 (notary office).
Search: Singapore bank accounts (DBS, OCBC, UOB), CPF (Central Provident Fund) balances, SRS (Supplementary Retirement Scheme), insurance policies via the Life Insurance Association. Singapore Grant of Probate or Letters of Administration required. Contact: CPF Board, MAS, each bank.
CONCEPT ONLY
AssetCadet Is a Service Concept
AssetCadet is not an operating service. This guide is published for free as a public resource. If you are interested in building this service together, contact Mr Ko.
Contact Mr Ko on WhatsApp如何使用此清單
親人離世後，最重要的任務之一是確認其擁有的所有資產。即使遺漏一個銀行帳戶、一份保險單或一份物業契約，都可能意味着遺產中有一筆合法權益被永遠遺忘。此清單力求窮盡所有可能 — 並非每項都適用，但逐一檢查可確保萬無一失。
提示：請列印此頁（Ctrl+P / Cmd+P），逐項核實。每一項資產記錄其是否適用、處理進度及參考編號。聯繫任何機構時，請攜帶遺產承辦書（或遺產管理書）、死亡證明書及本人身份證。
1. 銀行及現金
銀行不會主動通知您先人是否有帳戶，您必須逐一聯繫各銀行，以先人的身份證號碼進行查詢。香港有超過150間持牌銀行 — 請先從主要零售銀行開始。
聯繫各大銀行：匯豐、恒生、中銀香港、渣打、工銀亞洲、東亞、星展、花旗等。攜帶死亡證明書及身份證到分行，要求進行已故客戶帳戶搜索。
包括存摺儲蓄帳戶。在家中檢查是否有實體存摺 — 許多長者在多家銀行開設存摺帳戶。亦需檢查虛擬銀行的電子儲蓄帳戶（ZA Bank、Mox、livi等）。
在家中尋找定期存款證書或確認函。向銀行報告死亡時，銀行會確認定期存款餘額。留意到期日 — 提前解約可能有罰息，但本金仍屬遺產資產。
不少港人持有美元、人民幣、英鎊或澳元儲蓄。這些帳戶可能與港幣帳戶在同一銀行，也可能在其他機構。請要求每家銀行搜索所有幣種的帳戶。
「任何一方簽署」的聯名帳戶通常會自動歸存活持有人所有，不計入遺產。「雙方簽署」的聯名帳戶則會在其中一方去世後被凍結。請向銀行確認帳戶授權類型。
超過12個月無交易的帳戶可能被列為休眠帳戶，但銀行仍持有資金。在香港，銀行不會將無人認領的餘額轉交政府 — 資金會無限期留在銀行。請聯繫銀行的已故客戶部門。
2. 物業及房地產
請透過土地註冊處（www.landreg.gov.hk）以先人姓名及身份證號碼進行查冊。網上查冊費用為每次HK$25，可查出先人在香港所有已登記的物業權益。
透過土地註冊處以姓名/身份證查冊。聯權共有物業按「長命契」由在生持有人自動繼承 — 需向土地註冊處提交「尚存者備忘錄」。分權共有的份額則屬遺產的一部分。
寫字樓、商舖、工廠大廈單位、倉庫。查冊土地註冊處並在先人文件中尋找租約。聯繫物業管理公司查詢是否有未收租金收入。
車位通常與住宅單位分開購買，擁有獨立業權，在土地註冊處有獨立登記。檢查管理處紀錄及任何月租收入。
新界原居民可能持有村屋地段。查冊土地註冊處並聯繫相關地政處。留意新批地段的轉讓限制。
許多港人在深圳、廣州、中山或其他內地城市擁有物業。在家中尋找房產證/不動產權證書。需要由內地公證處出具的繼承權公證書。聯繫相關城市的房管局。
英國、澳洲、加拿大、美國及東南亞為常見地區。在先人文件中尋找按揭月結單、物業稅單、租金收入紀錄或海外律師/地產經紀的通信。每個國家有各自的遺產認證要求。
3. 保險
香港沒有中央保險紀錄。在先人文件中搜尋保單文件、保費繳付紀錄及保險公司通信。檢查銀行月結單是否有定期保費扣款。
聯繫各大保險公司：友邦、保誠、宏利、永明、富衛、匯豐人壽、中銀人壽、中國人壽等。提供死亡證明書及保單號碼（如有）。指定受益人的人壽保險直接支付給受益人，不計入遺產。
若先人在去世前曾確診危疾，可能有未索取的危疾賠償。檢查保單是否附有危疾附加保障或獨立危疾保單。聯繫保險公司的索償部門。
先人去世前的醫療費用仍可提交索償。檢查自願醫保計劃（VHIS）保單、公司醫療計劃及任何額外醫療保障。索償通常在保單結束後90天內仍有效。
聯繫先人僱主的人力資源部。許多僱主提供團體人壽保障（通常為年薪的1-3倍），並可能提供意外身故賠償。索取僱員福利摘要。
若先人有按揭貸款，檢查是否購買了按揭保險。此保險可能會償還未償還的按揭餘額。聯繫按揭貸款機構及按揭文件中列明的保險公司。
若先人在旅途中去世或持有全年旅遊保單，檢查是否有意外身故保障。聯繫旅遊保險公司及信用卡公司（許多信用卡附有免費旅遊保險）。
4. 退休金及強積金
積金局設有中央資料庫。致電強積金熱線 2918 0102 或透過 mpfa.org.hk 的「個人帳戶」查詢，搜索所有與先人身份證號碼關聯的強積金帳戶。
聯繫先人的現職僱主以確認強積金受託人。主要受託人：宏利、匯豐、友邦、永明、BCT、中銀保誠。提交死亡證明書及遺產承辦書以申索。
轉換工作的人可能有多個保留帳戶分散在不同受託人。使用積金局的「帳戶整合」搜索功能或致電 2918 0102 以身份證號碼查找所有帳戶。
TVC帳戶與強制性帳戶分開管理，可能由與僱主計劃不同的受託人持有。請向積金局查詢。
較大型或歷史悠久的僱主（如政府、公用事業、銀行）可能設有ORSO退休計劃作為強積金的替代或補充。聯繫僱主人力資源部。積金局亦監管ORSO計劃。
英國國家退休金（聯繫DWP International）、美國社會保障（聯繫SSA）、澳洲退休公積金（透過ATO搜索遺失公積金）、加拿大CPP/OAS、新加坡CPF。檢查先人是否曾在海外工作並累積退休金權益。
5. 投資及證券
在先人文件中搜尋經紀帳戶月結單、買賣合約單、股息支票及年報。透過港交所聯繫中央結算系統（CCASS）查詢以CCASS系統持有的股票。
聯繫證券經紀（香港有500多家）。尋找月/季度結單、合約單或股息通知。致電港交所投資者服務 2840 3025 查詢在CCASS持有的股票。亦需檢查透過銀行證券服務（匯豐、恒生等）持有的股票。
香港特區政府發行的iBond、銀色債券、綠色債券透過配售銀行或香港結算持有。企業債券可能透過經紀持有。檢查債券證書或CMU（中央結算系統）結單。
通常透過銀行或基金平台（如FundRich、FSM）持有。檢查銀行月結單是否有定期投資計劃扣款。若先人在銀行以外直接持有基金份額，聯繫基金公司 — 主要管理人包括貝萊德、富達、施羅德、摩根資產管理。
與股票一樣透過經紀交易。盈富基金（2800.HK）是最普遍持有的ETF。檢查經紀帳戶及銀行證券帳戶。
年長投資者可能在家中或保管箱持有實物股票證書。這些證書仍然有效。聯繫公司的股份過戶登記處（Computershare、卓佳、Link Market Services）核實持股並安排轉讓。在保險箱、文件櫃及銀行保管箱中尋找。
6. 商業權益
透過公司註冊處（www.icris.cr.gov.hk）搜索先人的董事及股東身份。透過商業登記署搜索獨資經營及合夥業務。網上查冊費用為每次HK$22。
以先人姓名/身份證號碼向商業登記署查冊。業務資產及負債均歸入遺產。可能需要結束或轉讓業務。聯繫稅務局查詢未繳稅項。
查閱合夥協議中的繼承條款。先人的合夥資產份額屬遺產資產。聯繫在世合夥人。查冊商業登記紀錄以確認先人參與的所有合夥業務。
透過公司註冊處（ICRIS）搜索先人作為股東或董事的所有公司。查閱公司章程細則中的股份轉讓條款。股份屬遺產的一部分，需進行估值（通常由會計師進行）。
透過知識產權署（ipd.gov.hk）搜索已註冊專利及商標。版權無需註冊但可能產生版稅收入。檢查授權協議、版稅結算單及任何產生收入的域名。
7. 政府欠付款項
多個政府部門可能欠付先人款項。這些金額構成遺產的一部分。
為先人提交最終報稅表。若先人多繳薪俸稅或利得稅，退稅款歸遺產所有。致電稅務局 187 8022 通知死亡並要求清稅。
若先人為物業業主，檢查是否有未退還的差餉寬減或地租減免。聯繫差餉物業估價署 2152 0111。
向中電/港燈、煤氣公司及水務署繳付的按金在帳戶關閉時可獲退還。攜帶死亡證明書及帳戶資料聯繫各公用事業供應商。中電：2678 2678。港燈：2887 3411。煤氣：2880 6988。水務署：2824 5000。
8. 數碼及線上資產
數碼資產的價值日益增加。檢查先人的裝置（手機、電腦、平板電腦）及電郵帳戶以尋找線索。許多數碼服務平台設有專門的已故帳戶持有人處理程序。
電郵是尋找其他資產的「萬能鑰匙」 — 搜索銀行月結單、保險續保通知、投資確認書等。Google設有「閒置帳戶管理員」；Apple設有「數碼遺產」計劃；Microsoft設有「近親」處理程序。
檢查先人手機上的支付應用程式。各平台均設有喪親處理程序。PayPal：向客服提交死亡證明書。AlipayHK/微信支付：攜帶死亡證明書及關係證明聯繫客服。檢查帳戶餘額。
尋找硬件錢包（Ledger、Trezor）、交易所帳戶（Binance、Coinbase、OSL、HashKey）、寫在紙上的助記詞，以及先人手機上的加密貨幣應用程式。沒有私鑰或助記詞，加密貨幣可能無法追回。在電郵中搜索交易所的註冊確認。
查詢域名註冊商（GoDaddy、Namecheap、HKDNR的.hk域名）。域名可能有顯著價值。在電郵中尋找續期通知。產生收入的網站（電子商務、廣告）應在遺產管理期間予以識別及維護。
9. 實物資產及貴重物品
實物資產應在遺產管理期間記錄、拍照並妥善保管。高價值物品可能需要專業估值。
香港沒有中央登記冊。逐一聯繫各銀行及私人保管庫經營者（Malca-Amit、Guardian、Brink's）查詢先人是否有租用保管箱。民政事務處遺產受益人支援組（2835 1535）負責監督檢視程序。
檢查銀行月結單是否有自存倉租金定期扣款。主要經營者：StorHub、RedBox、SC Storage、Spacebox。逐一聯繫各設施。
透過運輸署車輛登記搜索。檢查車輛登記文件、保險證書及隧道繳費帳戶（Autotoll）。致電運輸署 2804 2600 以身份證號碼查詢車輛擁有權。
在海事處登記。透過船舶登記冊搜索船隻擁有權。致電海事處 2852 3001。檢查泊位費及海上保險保單。
記錄並拍攝所有物品。從拍賣行（佳士得、蘇富比、邦瀚斯香港）或認證估價師取得專業估值。檢查家居保險的附加保障或列明貴重物品的清單。
檢查家中保險箱、臥室抽屜及銀行保管箱。從認證寶石學家或信譽良好的珠寶商取得估值。尋找購買收據、真品證書（如GIA鑽石報告）及保險估值報告。金條/金幣應稱重並按當前現貨價估值。
10. 他人欠付先人的債務
他人或機構欠付先人的款項是遺產的資產。遺產管理人有責任追收這些債務。
在先人紀錄中尋找借貸協議、欠條、本票或銀行轉帳紀錄（顯示大額款項匯給個人）。短訊及電郵可能包含非正式借貸的證據。遺產可要求還款。
若先人為業主，租客可能持有的租金按金最終會退還或抵扣最後租金。更重要的是，檢查是否有未收取的租金收入。查閱租約並聯繫租客或物業管理代理。
11. 各國海外資產
若先人曾在海外生活、工作或投資，該國可能存有資產。每個司法管轄區有各自的遺產認證程序。香港的遺產承辦書可能需要在其他普通法司法管轄區「重新蓋章」。
搜索：英國銀行帳戶（逐一致函各銀行）、NS&I（Premium Bonds、儲蓄）、HMRC退稅、DWP國家退休金。使用政府免費的「Tell Us Once」服務。超過£5,000的資產需要英國遺產認證（或重新蓋章香港承辦書）。聯繫：GOV.UK喪親服務。
搜索：美國銀行帳戶、401(k)/IRA退休帳戶、社會保障福利、各州無人認領財產資料庫（missingmoney.com）。非居民在美國的資產超過US$60,000可能需繳納美國遺產稅。聯繫：IRS、SSA、各州的無人認領財產辦公室。
搜索：加拿大銀行帳戶、RRSP/RRIF/TFSA帳戶、加拿大退休金計劃（CPP）、老年保障金（OAS）、各省無人認領財產登記冊。需提交加拿大最終報稅表。聯繫：CRA（加拿大稅務局）、Service Canada、加拿大銀行無人認領餘額。
搜索：澳洲銀行帳戶、退休公積金（使用ATO的「Super Fund Lookup」及「myGov」遺失公積金搜索）、Medicare退款、Centrelink福利。澳洲在ASIC設有中央無人認領款項登記冊。聯繫：ATO（13 28 65）、各退休公積金基金、Services Australia。
搜索：銀行帳戶（工商銀行、中國銀行、建設銀行、農業銀行、招商銀行等）、物業（房管局）、社會保險/退休金（社保局）、投資帳戶（中國結算的股票帳戶）。需由內地公證處出具公證繼承書。聯繫：開戶的銀行分行；當地公證處。
搜索：新加坡銀行帳戶（DBS、OCBC、UOB）、中央公積金（CPF）餘額、補充退休計劃（SRS）、透過壽險公會查詢保險保單。需取得新加坡遺產承辦書或遺產管理書。聯繫：CPF Board、MAS、各銀行。