I am sure if someone dies with a crypto bag 99 percent chances are that his portfolio will be lost, because most people will not share their passwords and private keys while they are alive even with their close ones. I think in few more years when crypto adoption will increase only then their will be some services or platforms that may offer such services to transfer the portfolio to declared wallets in case of death of hodler.
If you died tomorrow without disclosing or writing down your wallet information to any of your family members you died with your coins. Without a login password to your wallet or private key, no one will have access to your bitcoins or altcoins. thus, it is very important to keep your wallet information somewhere people can find if you die without notice.