It's not just contacts. It's all the essential information. Sadly, I am presently dealing with the aftermath of my DH's death. He was reasonably well organised but even so some of it has been very difficult, especially the current finances. He was old-fashioned in that, despite everything I had to say about it over the years, and especially lately, his salary/pension went into an a account held in his own name, from which all bills were paid. That of course was blocked immediately, and because he was not here to give his authority, the bank was unable to transfer anything to the joint account. I have had to contact every single direct debit payee individually to change all the accounts and payment details, and am still waiting for any money at all to come through to what had been the joint account - normal cashflow is now dire. (Not helped by bank errors, and their holding everything up because his credit card was, would you believe it, in credit - to the princely sum of 1p! Yes, 1p). It will all work itself out but I would have had enormous problems had I not had any money of my own saved in instant access accounts to tide me over. Also, you really need to go through deep savings and life insurance policies and check the small print. One policy, which was originally taken out as mortgage endowment, will not pay out until the Building Society we happened to have the mortgage with at the time, over twenty years ago and long-since redeemed, has traced the papers and signed away their rights to it.
I am spending this weekend going through all financial paperwork, weeding and filing, so that it is all absolutely clear for the DC when the time comes.