I just wanted to post some food for thought. Over the last 3 months, my brother in law from Odessa, and my father from Kentucky passed away. When it comes to your loved ones being able to complete all necessary financial matters suck as bank accounts, 401K, Roth IRA, and life insurance policies, and so on, success for them is up to you. If this process is easy or difficult is 100% dependent if "you" prepared your love ones before your number comes up!! I suggest putting all life insurance doc's, 401k doc's, bank account info, all phone numbers needed, all email addresses needed, point of contact information in one specific place, brief your Ukraine wives on what to do and how to go about this. Living in Ukraine will most likely complicate these matters a bit for your wives. Remember you wont be around to help them.........be proactive in such matters for them. Just saying !!