I've got a good amount of BTC in various exchanges and wallets. Each of these exchanges needs username, password, and 2FA code from phone to access. I'm looking for suggestions on a solution that, in the event of my untimely demise, my wife would be able to access everything. Let's throw in the option of my phone being destroyed along with me.

LastPass has an Emergency Access feature that lets you give trusted contacts access to your password vault. To add a trusted contact, open your LastPass account and click Emergency Access. Click Give Emergency Access and type in your contact's email address. Choose a wait time for how long that contact will have to wait when they request emergency access (anywhere from "immediately" to 30 days). If your contact requests emergency access, you will have this amount of time to reject their request before they are automatically granted access.