But don't worry: Legacy Locker's one-of-a-kind "life insurance policy" for computer passwords is looking to change that.

The idea is simple. With Legacy Locker, your computer passwords are accessible even after you're six feet under. You store passwords in the system and, in the event of your demise, it provides those passwords to those you designate as "beneficiaries."

Legacy Locker's service includes financial accounts, online banking accounts, online bill-pay programs, e-mail, instant messaging programs, social networking profiles--any account with a password.

This may be important for your survivors to reach out to your friends to let them know you're gone (though I think they would figure it out eventually). Or, if you pay your mortgage or bills online, it allows your spouse to continue making mortgage payments or pay bills even after you've become worm food.

Legacy Locker can even send a final farewell letter to your friends and family after you're gone. If you're a social media fanatic, you can arrange for a Legacy Locker representative to publish (or "tweet" for all the Twitter groupies out there) your final farewell on your profile.

Otherwise, how will the Facebook, MySpace, Digg or Twitter world be notified of your demise?

Why not simply store your passwords in a safe deposit box or with a lawyer? First of all, that's low-tech. Second, Legacy Locker is proactive. It periodically attempts to log on to systems for you; if you've changed your password, it alerts you to update your password in their system.

The service claims to be highly encrypted. Passwords will only be provided to beneficiaries who confirm your death with a copy of the death certificate.

Legacy Locker costs $29.99 per year or $299.99 for a lifetime subscription.

Presently, InsWeb.com does not offer life insurance specifically designed for computer passwords. We do, however, provide free term life insurance quotes to consumers looking to secure the financial futures of their loved ones (which we feel is a bit more important than life insurance for computer passwords).

Nobody wants to think about what would happen to their computer passwords after they're gone. But in the age of technology, the "computer password life insurance discussion" is a necessary part of life.

Don't take your secrets to the grave. If you use the Internet, iPhone, video game console or any piece of technology that requires a password, talk to your loved ones about insuring your computer passwords--before it's too late.