It is like, "What happens to my house when I die?", right? So first of all, I assume that you definitely need to share it to your family. Needless to say it, but it is true. Do not be greedy and selfish to your family.
If all could be planned, but when death comes suddenly and never anyone know. We haven't had a chance to tell all of the assets of our crypto wallet or exchanger. I think all of that will be lost if a family of no one knowing access to crypto.