There is already another thread where we were discussing this. I wouldn't complicate thing this much. What I did, I have written a short 2 page explanation of what to do in a God forbid event and left it to my wife. She would be able to react and would have access to the coins if something was to happen to me.

Everyone should do something like this and leave it someone of trust. I doesn't have to be your wife of course if you don't trust her!