Jeremy Toeman, founder of the site Legacy Locker, recognized that when he was on a plane and wondered what would happen to his online life if it crashed. While his will leaves everything to his wife, including all of his digital assets, Toeman realized how difficult it would be for her to access his accounts.

"My GoDaddy account would belong to her, but it doesn't solve the practical reality of how she would get access to it," he said. He experienced a similar scenario after his grandmother died, and he tried to get the password for her e-mail account -- only to give up because of the hassle.

So Toeman built his company to change all that. Legacy Locker allows users to set up a kind of online will, with beneficiaries that would receive the customer's account information and passwords after they die.