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Frequently Asked Questions
The questions families ask. The questions agents ask. The questions we ask ourselves at 2am. All answered here, honestly.
What a Chronicle actually is and how it works.
A Chronicle is a sealed collection of voice recordings paired with an optional 529 college savings contribution — all delivered to a child or family member at a milestone you choose.
Think of it as a time capsule for your voice. You record what you want to say. You choose when it arrives — an 18th birthday, a graduation, a wedding day. The recordings are stored securely in the cloud and delivered automatically on that date, alongside any financial contributions family members have made.
There are two types: The Living Chronicle is for family and friends who want to contribute money and a recording alongside it. The Legacy Chronicle is for the person themselves — a guided interview that captures their full story, sealed in four envelopes for different moments in life.
The Living Chronicle is for contributors — grandparents, aunts, uncles, family friends. Anyone who loves a child can record a message alongside a contribution to their 529 college savings account. Both are sealed to a milestone and delivered together.
The Legacy Chronicle is for the person themselves. A guided interview walks them through three chapters of their life — their story, the good times, the hard times. Four sealed envelopes wait for specific moments: the celebration message, the hard day message, the proud of you message, and the if I'm gone recording.
Many families use both. The insured records their Legacy Chronicle. Their family fills the Living Chronicle with contributions and recordings alongside them.
The Legacy Chronicle guided interview takes about 10 minutes. Nine questions across three chapters. No preparation needed — the questions are designed to feel like a conversation, not a form.
The If I'm Gone envelope has no time limit. Some people record for 10 minutes. Some record for an hour. It's the one recording with no cap — say everything you need to say.
A Living Chronicle contribution recording is entirely up to the contributor. Most people record 1-3 minutes. Some grandparents record much longer. There's no wrong length.
Contributors to a Living Chronicle — grandparents, family, friends — don't need an account. They receive a link, click it, and record. That's it.
The insured recording their Legacy Chronicle goes through a guided flow that also doesn't require an account to start. A Chronicle Keeper is designated during the process.
Full account management — viewing your Chronicle, adding recordings, managing your Keeper — is coming in a future update. For now, your agent manages the Chronicle link on your behalf.
Everything. Any phone, tablet, or computer with a modern browser. No app download required.
The Legacy Chronicle recording experience is specifically designed for mobile — full screen, large record button, warm dark interface. The person campfire side at 10pm with their phone is exactly who we built it for.
What happens to recordings, how long they're kept, and what they contain.
Never. This is one of the most important commitments we make.
If a subscription lapses or goes inactive, the Chronicle enters grace mode. All recordings are preserved permanently. New uploads are paused. But nothing — not a single recording — is ever deleted due to non-payment or inactivity.
Grandma's recording from 1997 will still be there in 2047. That's not a marketing promise. That's infrastructure we've built specifically to honor it.
We call this the Grandma Policy. It's non-negotiable and it always will be.
Yes — before you seal it. During the recording flow you can play back your recording and re-record as many times as you need. Once you're happy, you seal it. After sealing, the recording is locked.
We designed it this way intentionally. The most honest recordings are usually the first or second take — the ones where you're still figuring out what to say. But we want you to feel comfortable, so re-record as much as you need before sealing.
Yes. A Chronicle isn't a single recording — it's a collection that grows over time. You can add new recordings at any point before the milestone arrives. The original sealed recordings stay sealed. New recordings join them.
A grandparent might record on the day the child is born, again on their first day of school, again after a big family moment. Every recording is added to the Chronicle and delivered together on milestone day.
Recordings are captured in WebM format in the browser and stored securely in our cloud infrastructure via Cloudflare R2. They're accessible via secure encrypted links — not publicly accessible, not indexed by search engines.
When the Chronicle delivers, recordings play directly in the browser. No special software or app required.
The most important role in a Chronicle — and how it works.
The Chronicle Keeper is the person the Chronicle owner designates to hold the Seal Word — a private password that, when entered, releases the full Chronicle to the family.
The Keeper is typically a trusted family member, a close friend, or in some cases the estate attorney. They're the person who decides when to release the recordings — on the original milestone date, or earlier if circumstances change.
The Chronicle Keeper role is an emotional designation, not a legal one. It carries no legal authority and creates no legal obligation. It's a role built on trust.
The Seal Word is a private password chosen by the Chronicle owner and given to the Chronicle Keeper — in person, spoken quietly. It's not stored in any digital system. It exists only between the owner and the Keeper.
When the time comes to release the Chronicle, the Keeper enters the Seal Word and every recording delivers simultaneously. It's the key that opens everything.
We designed it this way deliberately. The most sacred things shouldn't be automated. The Keeper holds the key. The Keeper decides when.
The Chronicle owner can designate a backup Keeper — a secondary person who also receives the Seal Word. We recommend doing this when setting up the Chronicle.
If both Keeper and backup are unavailable, contact our support team. We have a verification process for these situations — while we take privacy extremely seriously, we also recognize that life is unpredictable. We will work with the family to find a resolution.
This is why we recommend the Keeper write the Seal Word down and store it somewhere safe — alongside important documents, in a safe, or with their estate attorney.
If the Seal Word is lost, contact our support team. We have an identity verification process for this situation. It's not instant — we take security seriously — but we will work with verified family members to restore access.
We're developing a formal lost Seal Word protocol. In the meantime, store it safely. It's important.
Yes — and it's one of the most natural fits. Estate attorneys already hold the most important documents in a client's life. A Chronicle Keeper designation is a meaningful extension of that relationship.
The attorney holds the Seal Word alongside the will and other documents. When the time comes, they release the Chronicle as part of the estate administration. It makes the attorney relationship even more valuable — and more emotionally significant — for the family.
How the financial layer works and what it means for families.
A 529 is a tax-advantaged savings account designed for education expenses. Contributions grow tax-deferred and withdrawals for qualified education expenses — tuition, books, room and board — are tax-free at the federal level.
Anyone can contribute — grandparents, aunts, uncles, family friends. There are no income limits for contributors. Contributions up to $18,000 per year per contributor don't trigger gift tax implications.
If the child doesn't attend college, the account owner can change the beneficiary to another family member or roll funds to a Roth IRA. The money doesn't disappear.
No. Tomorrow From Today is the Chronicle platform — the voice recording, the guided interview, the milestone delivery. The 529 account is set up and managed by a licensed professional — your agent or financial advisor — through an existing brokerage platform.
We provide the contribution link and the recording layer. The investment product is handled through your professional's licensed relationship. Questions about the specific 529 account should go to your licensed advisor.
The minimum contribution through a Living Chronicle is $25. Anyone — grandparents, family friends, coworkers — can contribute as little as $25 alongside a recorded message.
There's no maximum per contribution, though contributions above $18,000 per year from a single contributor may have gift tax implications. Consult a licensed financial advisor for guidance specific to your situation.
This is a question we take seriously and one that needs a specific answer from a licensed financial advisor familiar with your account structure.
In general, 529 funds can be transferred to another beneficiary in the family. If a beneficiary passes away, the account owner typically has options — transfer to a sibling, roll to a Roth IRA, or in some circumstances withdraw with applicable taxes and penalties waived for death.
Each situation is different. Please discuss this with your licensed financial advisor before making any decisions.
We flagged this as a critical compliance question for families with children who have disabilities or special circumstances. Speak with both a financial advisor and an attorney.
No. We take $0 on contributions. Grandma's $100 goes entirely to Emma's 529. Our revenue comes from professional subscriptions — agents and attorneys who offer Chronicles to their clients.
We believe this is the right model. Taking a percentage of a child's college fund doesn't sit right with us. The Chronicle is a gift. The money should arrive whole.
How and when Chronicles are delivered — and what happens when plans change.
The primary delivery goes to the beneficiary — Emma on her 18th birthday, for example. The Chronicle Keeper receives a simultaneous notification that delivery has occurred. The account holder (if still living) can optionally be notified as well.
The Chronicle Keeper receives confirmation of delivery — not the content of the recordings. The recordings go directly and privately to the beneficiary.
This is an important practical question we're actively solving. Current best practice: make sure the Chronicle Keeper's contact information is kept current, as they can trigger early release and facilitate delivery if the original email is outdated.
We're building a Chronicle owner login that will allow families to update contact information over time. In the meantime, contact our support team if contact details need to be updated.
Individual recordings are sealed to their milestone and cannot be changed after sealing. However, the Chronicle Keeper can trigger early release of the entire Chronicle at any time using the Seal Word — for example, if the contributor passes away before the milestone and the family wants the recordings delivered sooner.
New recordings can always be added to the Chronicle at a different milestone. The original sealed recordings remain intact.
The recording stays sealed until the milestone — exactly as intended. Grandma's recording sealed for Emma's 18th birthday will be there on Emma's 18th birthday, even if Grandma passed away at Emma's 16th birthday. That's the point. That's the product.
If the family wants the recording released early — which some families prefer when a contributor passes — the Chronicle Keeper can use the Seal Word to release the full Chronicle early.
We're also building a release contact field — a person the contributor designates who can request early release of their specific recording if something happens to them before the milestone. That feature is coming soon.
If you're a contributor who wants to designate an early release contact, contact your agent or our support team. We can add this manually while the feature is in development.
How we protect recordings and what we never do with them.
Never. We do not listen to, transcribe, analyze, or access the content of any recording. Ever.
Recordings are encrypted at rest and in transit. They're stored in secure cloud infrastructure and accessible only via secure links tied to specific Chronicles. Nobody at Tomorrow From Today has access to the content of your recordings.
This is not a terms-of-service promise that gets walked back. It's a design principle. The infrastructure is built so that even we can't access the content without the Chronicle Keeper's Seal Word.
For agents using the Chronicle link generator — no client data is stored on our servers. The link is generated locally in your browser from the information you enter. Nothing is transmitted to us except when a client actually opens the link and begins their Chronicle.
When a client begins recording, we store the audio file and the minimal metadata required to deliver it at the milestone — name, milestone date, Chronicle Keeper contact. We don't store policy numbers, coverage amounts, or any insurance-specific data.
We never store your client list. We never store policy data. Your client data stays in your system.
No. We don't sell, rent, or share client data with any third party for marketing purposes. Ever.
We share data only with service providers required to operate the platform — our cloud storage provider, our email delivery service — and only to the extent necessary for them to do their job. They are bound by data processing agreements and cannot use the data for their own purposes.
See our Privacy Policy for the complete picture.
This is a question we take seriously and have thought carefully about.
In the event Tomorrow From Today ceases operations, our commitment is to give users a minimum of 6 months notice and provide a full export of all recordings and metadata. The Chronicle belongs to the insured — not to us. The recordings are theirs and they will have them.
We're also building export functionality so Chronicle owners can download their recordings at any time — regardless of our business status. Your recordings are yours.
Questions from insurance agents and estate attorneys about offering Chronicles.
No license is required to offer the Chronicle recording and voice legacy features. Any licensed insurance agent can offer the Legacy Chronicle and Living Chronicle voice recording components.
The 529 contribution layer — where family members contribute money to a college savings account — requires securities licensing (Series 6, 63, or equivalent) to facilitate. Agents without these licenses can still offer the full Chronicle recording experience without the financial contribution component.
If you hold the appropriate license or work with a licensed co-professional, upload your credentials in your agent portal to unlock the contribution features.
Yes. Always. The Chronicle belongs to the insured, not to you and not to us.
If a client leaves your book — for any reason — their Chronicle stays with them. The recordings are theirs. The financial contributions are theirs. The Seal Word is their Keeper's.
We believe this is right. You gave them something priceless. That gift doesn't come with conditions. And honestly — a client who leaves their agent but keeps their Chronicle is a client who will speak well of you forever.
We call this the Raging Walruses Clause. Even if swept away by raging walruses, the Chronicle stays with the insured.
No. Recordings are private and accessible only to the Chronicle owner, the Keeper, and ultimately the beneficiary. You will never have access to the content of what your clients record.
What you can see in your agent dashboard: how many clients have an active Chronicle, how many recordings have been added, how many family contributors have joined, and aggregate engagement signals. The content remains completely private.
This privacy protection is a selling point. Your clients can record with complete confidence that nobody — not you, not us — is listening.
Use the Chronicle Link Generator in your agent portal. Enter your client's name, the child's name, gender for pronouns, and choose Legacy or Living Chronicle. One click generates a personalized URL.
Copy the link and send it however you prefer — text message, email, or hand them a printed QR code. The client clicks it and starts immediately. No account required on their end.
The link takes about 30 seconds to generate. No client data is stored on our servers in this process.
Five times a year — on the child's birthday, the first week of school, end of school year, Valentine's Day, and Christmas — a warm email arrives in the family's inbox. It gently reminds family members that the Chronicle exists, invites them to add a recording or contribution, and links them directly to the Living Chronicle.
Your agency name and contact information appears in the footer of every email. It's not aggressive marketing — it's a warm, emotional touchpoint that keeps your brand associated with the most meaningful thing in their family's life.
Families can unsubscribe from campaign emails at any time. Chronicle delivery emails — the ones that actually deliver the recordings on milestone day — are transactional and cannot be unsubscribed from.
The harder questions. We'd rather answer them honestly than pretend they don't exist.
We're deeply sorry if you're reading this question because it's relevant to you.
The Chronicle and its recordings belong to the account holder — typically a parent or the insured. They can choose to preserve the Chronicle as a memorial, transfer the recordings, or request deletion. We will honor whatever the family decides.
For 529 funds, the account owner typically has options — transfer to a sibling, roll to a Roth IRA, or withdraw with certain tax treatments. Please consult a licensed financial advisor. This situation requires specific guidance.
Contact our support team at contact@tomorrowfromtoday.com. We will handle this with the care it deserves.
Before sealing — re-record as many times as needed. The recording isn't locked until you explicitly seal it.
After sealing — sealed recordings cannot be changed. This is by design. The sealed recording is a promise. We take that seriously.
If there are exceptional circumstances — a recording that contains something genuinely harmful, threatening, or that the person sincerely regrets — contact our support team. We will review the situation on a case by case basis. We are humans and we will treat it that way.
A Chronicle is not a legal document. The Chronicle Keeper role carries no legal authority. Recordings are not notarized, witnessed, or legally certified in any way.
If recordings are subpoenaed as part of a legal proceeding, we will comply with valid legal process as required by law. We will notify the account holder to the extent permitted by law.
For anything that needs to carry legal weight — advance directives, wills, power of attorney — please work with a licensed estate attorney. A Chronicle is a complement to those documents, not a replacement.
This is an important question and one we're actively working to address properly.
For children with disabilities, 529 funds have additional flexibility — they can be rolled into an ABLE account, which is specifically designed for individuals with disabilities and provides similar tax advantages.
For the voice recordings themselves — we're building accessibility features including transcripts and alternative delivery formats. If you have a specific situation, contact us and we'll work with you directly.
This is a conversation we're having with our licensed co-professionals and legal counsel to ensure we handle it correctly.
We'd rather answer it than have you wonder. Reach out directly — a real person will respond.
✉️ contact@tomorrowfromtoday.com