Because you are your own bank then you have to put in a provision that in the event of any of the above ,then you have a way to recover your funds.
Death - if is a significant amount then you can always make a back up with a will and a solicitor will execute your wishes .
Fire - keep a back up some other place than your house
Loss - again you can make backups
Okay , bitcoin is owned by an unknown company, atleast for me because I haven't seen the company of bitcoin and for me even if it is owned by a company that is widely known , the rules here in this world of virtual currency is that we can secure or not our investment, the only way to secure this type of investment is through paper wallet and I do not see anything that we can do if ever you die,your investment will just be put on waste.