As large language models increasingly power personal assistants, users expect them to reason over multimodal life histories, from recognizing people to understanding events to aggregating patterns, yet existing benchmarks primarily target concept-level recognition. We introduce Life-Bench, a fully synthetic, human-verified multimodal benchmark of over 11,800 question-answer pairs across 10 tasks, organized by required evidence scope: concept identification, event understanding, and aggregated reasoning. The benchmark's photo-centric personal histories are distributionally aligned with real user accounts under embedding statistic. The interconnected structure of personal data invites graph-based solutions; we propose LifeGraph, a personal knowledge graph framework providing structured retrieval with on-demand access to source visual evidence, showing particular promise on event and aggregated tasks. Systematic evaluation of four retrieval paradigms on Life-Bench demonstrates that accuracy degrades sharply with evidence scope, falling below 0.40 on aggregated tasks, and that no single paradigm dominates across categories. Performance beyond concept recognition remains modest for all evaluated methods, establishing personalization over multimodal histories as an open challenge and Life-Bench as a testbed for future progress.

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