Subscriptions & Services
Most of these can wait. Here's how to handle them when you're ready.
Streaming services
Netflix, Hulu, Disney+, Spotify, Apple TV+, Amazon Prime — these are not urgent. They will charge one more billing cycle. That is fine. When you're ready, most can be canceled through the account settings if you have the login. Without login access, contact customer support with the death certificate.
For step-by-step cancellation instructions on specific services, CancelFreely has detailed guides for 100+ services — including instructions for canceling on behalf of a deceased person.
Phone service
Contact the carrier. Provide the death certificate. Do not cancel the phone number until you've finished using it for two-factor authentication on their other accounts — this can take weeks or months. Ask the carrier to freeze the account against changes (prevents SIM swapping fraud) while you keep the line active.
When you're ready to cancel, return any leased equipment. Final bills are the responsibility of the estate.
Internet & cable
Contact the provider with a death certificate. If you're maintaining the home, transfer the account to your name rather than canceling. Return leased equipment (modems, routers, set-top boxes) when the service ends to avoid equipment charges.
Insurance
- Health insurance: Notify promptly. If dependents were on the policy, the COBRA or marketplace enrollment window begins from the date of notification — this has a real deadline.
- Auto insurance: Notify the insurer. If you're keeping the vehicle, transfer the policy to your name.
- Home/renters insurance: Maintain coverage on any occupied property. Some policies have vacancy clauses that limit coverage after 30–60 days.
- Life insurance: File claims directly with the insurer. See the first month guide.
Gym memberships & clubs
Most gyms, warehouse clubs (Costco, Sam's Club), and professional associations will cancel with a death certificate and a phone call or written request. Check for prepaid balances or refundable deposits. Not urgent — handle when you get to it.