If you are advertising your business then you should move this topic from Legal section to Service Announcements or Service Discussion.
Keeping Bitcoin on exchange you are not really holding your Bitcoin but you are trusting Binance to hold private keys for you, and if they go bust or if governments close them you will lose everything with or without your keyco.

It is however very important to educate your family members about this and I would suggest writing instructions with backup phrase placed in tamper evident bags or envelopes, and this should be easy to understand and opened after death.
I would never keep many coins on Binance or any other ticking bomb exchange.
Not your keys, not your bitcoin.

I also noticed you are not even supporting Bitcoin with keyco when creating policy, but only BNB and USDT as I understand...
You also lose everything in case someone gets your policy number and you don't have whitelisted address or IP restrictions.