____of _____ (Bank Name). Banks, insurance companies, title companies, and others often tell people to file a Small Estate Affidavit (SEA) without thinking about the.A letter of instruction is a cheat sheet for anyone involved in settling your affairs. Unlike a will, this letter has no legal authority. The Federal Emergency Management Agency (FEMA) has developed the Online Letter of. Step 1 Fill out the attached Letter of Instruction. •If you are an Individual making the request, please complete Sections 1, 2, and 4 on the next page. A transfer on death deed (TODD) is a legal document that allows a person to transfer ownership of their property after they die. This guide is designed to teach you how to write a letter of instruction for heirs, or anyone else who may benefit from a little more direction. Responsible for managing multiple medium to large complex construction projects, applying industry-tested risk-management principles and methods.