Maybe there could be a system where if your BTC client isn't opened for a pre-determined length of time (a few months I suppose), it automatically divides it up properly and sends it out to your loved ones.

I realize that doesn't make much sense, because you have to turn on your computer and log in for the BTC client to do anything. I just thought of it a few seconds ago and typed it out as I was still thinking about it. Maybe someone else can finish that idea.

Or you could just give your loved ones the password for your computer. I know it's hard to trust anyone else with a computer's master password, but if you can't trust your loved ones not to use the password when you're alive, then maybe you should rethink giving them your entire fortune when you pass away. Or you could have a special password just for the BTC client on your computer that's given to your lawyer and they can't show it to anyone until you die, and then when you put it into a computer it sends out your remaining BTC... or something like that...

I realize none of these solutions are completely perfect (yet) and they need to be more thought-out. But that's a really interesting question. Never really thought about that... Just my 0.02 BTC.